@t_ruthSorry, my language may have been confusing in my earlier post. In my current program, we get a Master's along the way to the PhD. When I mentioned my thesis above I was referring to the Master's proposal. My current program has given me the option of receiving a terminal master's degree given the current situation. So essentially, I would be completing a Master's at this school as if I was just in a master's program, and then applying to other schools for their PhD programs next cycle and coming in as a student with a master's degree to start in Fall 2024. I do not want to rush my PhD!
In regard to transferring, I just moved my family to this current city six months ago. We chose this location to be closer to family, job opportunity for my partner, and good cultural location for us. The new institution is in a quintessential college town with less opportunity for my partner. In addition, it is not a Psychology or Neuroscience program that my advisor is moving to, but rather a more specialized department with more clinically oriented students. While I have been assured by my department head and other faculty that I could get a job in academia in my chosen department with a PhD from a different specialty as long as I publish in relevant journals, it still worries me to switch program focuses in that way.