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Breaking long documents into smaller segments is a fundamental challenge in information retrieval. Whether for search engines, question-answering systems, or retrieval-augmented generation (RAG), effective segmentation determines how well systems can locate and return relevant information. However, traditional methods, such as fixed-length or coherence-based segmentation, ignore user intent, leading to chunks that split answers or contain irrelevant noise. We introduce Intent-Driven Dynamic Chunking (IDC), a novel approach that uses predicted user queries to guide document segmentation. IDC leverages a Large Language Model to generate likely user intents for a document and then employs a dynamic programming algorithm to find the globally optimal chunk boundaries. This represents a novel application of DP to intent-aware segmentation that avoids greedy pitfalls. We evaluated IDC on six diverse question-answering datasets, including news articles, Wikipedia, academic papers, and technical documentation. IDC outperformed traditional chunking strategies on five datasets, improving top-1 retrieval accuracy by 5% to 67%, and matched the best baseline on the sixth. Additionally, IDC produced 40-60% fewer chunks than baseline methods while achieving 93-100% answer coverage. These results demonstrate that aligning document structure with anticipated information needs significantly boosts retrieval performance, particularly for long and heterogeneous documents.