Next Chapter Financial & Business Solutions is a family-owned business designed with you and your story in mind. Through one-on-one consultations and check-in points, we are ready to help you reach your financial and business goals.

We have experience working with people that have a single income, married, have children, retired, just starting their small business or have been in business for a while. We are eager to hear about your individual story and empower you with the tools to write your next chapter.

Philippe Cruz is a certified Dave Ramsey Financial Coach who has over 10 years of experience working in accounting and finance. He received his undergraduate degrees in Accounting, Finance, and Management Information Systems from the University at Buffalo and his Finance MBA from Medaille College. Philippe specializes in budget development, dissolving debt, and building wealth.