1. Create each chapter as a separate document.
2. When you are done with each chapter and have completed using it with Reference Manager, make a backup using the Save As option from the File menu.
3. In each chapter document copy, with most versions of Word, click Remove Field Codes from the Reference Manager toolbar. If you are using Word 2007 with Reference Manager 12 choose "Convert Citations and Bibliography" and "Convert to Plain Text". This will remove the link between the document and Reference Manager. The document will now appear as plain text.
4. You can now copy and paste the text from the copy of your documents with no field codes into a master document.

Note: If you also want a master bibliography in addition to the chapter bibliographies, you will need to do the following:

1. With the original copy of your chapter documents (the ones with field codes), click Revert to Original Text from the Reference Manager toolbar. In Word 2007 with Reference Manager 12 choose "Convert Citations and Bibliography" and "Convert to Unformatted Citaitons". This will revert the citations to their temporary format and remove the bibliography. Click on Remove Field Codes from the Reference Manager toolbar to make this copy of the master document plain text. In Word 2007 with Reference Manager 12 choose "Convert Citations and Bibliography" and "Convert to Plain Text".
2. Merge all the unformatted document chapters into a master document.
3. In the master document, click on Generate Bibliography from the Reference Manager toolbar.
4. When this is done, make a backup of this master document using the Save As option from the File menu.
5. Click on Remove Field Codes from the Reference Manager toolbar to make this copy of the master document plain text. In Word 2007 with Reference Manager 12 choose "Convert Citations and Bibliography" and "Convert to Plain Text".
6. You can now copy the chapter bibliographies into this new master document from the copy of your chapter documents with the field codes removed.