As a woman, a financial advisor, a mother of four, a wife, and a daughter who has cared for aging parents, I’ve lived many of the transitions and challenges that high-earning women face. I’ve also changed careers, taken time off to raise my children, and returned to the workforce with a renewed sense of purpose. These experiences have shaped not only how I view financial planning, but how I help other women approach their wealth with confidence and clarity.
Financial planning is deeply personal, and for women, especially those with high earning potential, it often requires a tailored approach that reflects the realities of our lives. From career shifts to caregiving roles, longevity, and legacy goals, thoughtful planning can help us protect, grow, and purposefully use our wealth.
1. Career Trajectories and Earning Patterns
Women’s careers often don’t follow a straight line. Whether it’s stepping away to raise children, caring for loved ones, or pivoting into new roles, these transitions can impact income, retirement savings, and investment strategies. I’ve seen how flexible financial planning that accounts for pauses and pivots can empower women to stay on track and build long-term wealth, even when life takes unexpected turns.
2. Longevity and Healthcare Considerations
Women tend to live longer than men, which means our retirement plans need to stretch further. We must think about healthcare, long-term care, and how to sustain our lifestyle for decades. Planning for longevity isn’t just about numbers, it’s about peace of mind. It’s about knowing that we’ll be okay, and that we won’t be a financial burden to those we love.
3. Risk Tolerance and Investment Approach
I’ve worked with women who are cautious investors and others who are bold and growth oriented. There’s no one-size-fits-all approach. What matters is aligning your investments with your values, goals, and comfort level. Your portfolio should reflect this, balancing growth, protection, and flexibility, so you can feel confident in every market cycle.
4. Estate, Legacy, and Intergenerational Wealth
Many women I work with are the financial stewards of their families. They care deeply about how their wealth will impact future generations and the causes they believe in. Whether it’s through charitable giving, trusts, or legacy planning, a thoughtful financial plan can assist in fulfilling family objectives and legacy goals.
5. Empowerment Through Education and Engagement
Historically, women have faced barriers to financial confidence and literacy. Too often, women feel intimidated by financial jargon or worry they’re “not good with money.” But I believe, and have witnessed, that with the right guidance, women become incredibly powerful financial decision-makers. Women should feel safe asking questions, exploring options, and taking control of their financial futures.
6. Life Transitions and Flexibility
Life is full of transitions including marriage, divorce, career changes, caregiving, and retirement. I’ve walked through several of these stages myself. That’s why I believe financial plans need to be adaptable and should evolve as life does. Because when your financial strategy is flexible, you’re better prepared for whatever comes next.
Financial planning for women isn’t just about numbers, it’s about life. It’s about creating a strategy that supports your goals, your family, and your future. As someone who’s lived many of these experiences, I’m passionate about helping women feel confident, informed, and empowered in their financial journey.
Let’s talk about how thoughtful planning can help you balance wealth, life, and legacy. I’d love to help you explore your options and build a plan that reflects your unique path.
