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Meet Your Coach:
Phil Cruz, MBA
Meet Your Coach: Melanie Cruz, PMP
Financial Coach
Financial Coach
Founder of Next Chapter Financial & Business Solutions, Phil brings over 10 years of experience in financial coaching, business development, and leadership training. He received his undergraduate degrees in Accounting, Finance, and Management Information Systems from the University at Buffalo and his Finance MBA from Medaille College. Phil specializes in budget development, dissolving debt, and building wealth.
Business Coach & DISC Trainer
Business Coach & DISC Trainer
Melanie Cruz is a Lead Business Coach and Employee Development Consultant who has over 15 years of experience working in project management, program management, change management, and training/development. She received her undergraduate degrees in Communications and Psychology and master degree in Higher Education Administration from the University at Buffalo. Melanie specializes in people, process, and leadership development.
Why We Do this work
Why We Do this work
After witnessing too many talented professionals struggle with financial stress, poor business foundations, or unclear direction, we founded this practice to bridge the gap. Our mission is to provide not just answers—but transformation.
Our Approach
Our Approach
🌱 Rooted in empathy: Every client has a story. We meet you where you are.
📈 Data-driven and goal-focused: Whether personal budgets or business growth, we use proven methods.
🔍 Clarity through personality insights: With DISC, we unlock how you communicate, lead, and succeed.
Credentials & Certifications
Credentials & Certifications
Financial Coach Certification
Certified DISC Trainer
Years in 20 industry/business
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