A Woman Has a New Career That Calls for a New Financial Plan

An adviser suggests tweaks to make her cash flow and retirement investments more strategic

After 20 years in the pharmaceutical industry, Kristine Maine is plotting a new career and wants to get her retirement savings back on track.

Ms. Maine, 51, says she’s playing catch-up after bringing in very little income over the past 18 months, time she spent caring for a sick relative and laying the groundwork for new jobs. She’s currently working as a real-estate agent and, as a registered nurse, is launching a business working with those who struggle with addiction. Between her two jobs, Ms. Maine expects to make at least...