Broker Check

Focus on Women's Financial Goals

  • Women control some $10 trillion in U.S. financial assets; by the end of the decade, that figure will rise to $30+ trillion.
  • Women control 40% of global wealth.  That share is expected to grow as high as two-thirds of global wealth in the next decade. 
  • Whether through work, business ownership or life events such as the loss of a partner, divorce or inheritance, women find themselves in control of the highest percentage of financial assets than at any time in recorded history.
  • It's essential to be able to support the life you want to live. That includes paying bills, saving for long-term goals, and preparing for the future.
  • Being financially independent helps you take care of your own needs and also helps others.
Source:  Credit Suisse Research Institute’s “2018 Global Wealth Report.” (Jan 26, 2023)

Intelligent Investment Management, LLP here to help.

In a world where women consistently earn less than men for the same skills, we're responsible for demanding more.

Is it important for a woman to be financially independent? 

Financial independence means having the ability to support oneself financially without assistance.

Being financially independent is an important goal for people of all backgrounds, but it is  particularly important for women who are independent and have been challenged in this  arena.     

Financial Tips for Women of any age

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  • Time of change
  • Graduating from college
  • Moving out of parents' house
  • Getting your first grown-up job

Important Things You Can Do

  • Establish a plan and begin to save NOW
  • Create an emergency fund (6+ months of expenses)
  • Stick to a  budget
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  • Increased financial responsibility
  • Major life events: marriage, children, purchasing a new home
  • Contribute or establish your retirement plan(s)

Important Things You Can Do

  • Discuss your financial life with your partner and reveal any debt
  • Budget for children's education
  • Realistic expectations for buying a home-what can you afford?
  • Stick to a budget
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  • By now, you will have experienced major milestones
  • Need to prepare for more changes ahead

Important Things You Can Do 

  • Stay up to date on financial goals
  • Continue to contribute to your retirement plan(s)-401(k), IRA's
  • Be your own advocate in your career
  • Stick to a budget
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  • Biggest financial challenge: taking care of aging parent(s)
  • Formulating a financial plan to ensure that parents are cared for
  • Catch up contributions to your retirement investments
  • Planning for long term health care for your self

Important Things You Can Do

  • Make sure you have a financial plan
  • Work with a professional
  • Stick to a budget
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  • Focus on retirement and legacy plans
  • Have a discussion with your children about your money and what it means to you

Important Things You Can Do

  • Re-evaluate your investments
  • Determine how you want to spend your assets in retirement:
    • leave to children
    • donate to non-profit organizations that have meaning to you
  • Stick to a budget
<div class="richText font-family-goldman-Sans-dt-mobile-sizes"><div class=" contentgsambaseenmarket-insightsgsam-insights2022women-retirementjcrcontentrootbackground_132031325backgroundbackgroundtext_copy_copy_copy cmp-text richText" id="#findings"><br/></div></div><div class="richText"><div class=" contentgsambaseenmarket-insightsgsam-insights2022women-retirementjcrcontentrootbackground_132031325backgroundbackgroundtext_copy cmp-text richText"><b>RETIRED WOMEN REPORT RECEIVING </b></div><div class=" contentgsambaseenmarket-insightsgsam-insights2022women-retirementjcrcontentrootbackground_132031325backgroundbackgroundtext_copy cmp-text richText"><b>LESS THAN 70% </b><b>OF THEIR </b><b>PRE-RETIREMENT </b></div><div class=" contentgsambaseenmarket-insightsgsam-insights2022women-retirementjcrcontentrootbackground_132031325backgroundbackgroundtext_copy cmp-text richText"><b>INCOME IN RETIREMENT</b></div></div>


Yet women continue to live longer than men, suggesting the biological differences also have a role. According to the U.S. Centers for Disease Control, the average American man will live to age 76, while the average woman in America will live to age 81. (Mar 25, 2020)

Having access to a plan that provides personalized  guidance on savings and investment strategy that can adjust and re-calibrate with life events, can help individuals better reach retirement with sufficient savings to maintain their standard of living.


More than 60% of women stated that they retired earlier than planned and 66% retired for reasons outside their control.

Not reaching one's desired retirement age reduces the amount of time available to save for retirement and can place added pressure on those savings to last longer than expected. The majority of women respondents faced this risk and are more likely than men respondents to retire early because of external factors like health and taking care of a family member.

Check out this important video


Women report they are anxious and concerned about their ability to save for retirement, yet almost 70% of women respondents manage their own savings.
This does not reflect their desire for help and advice.

Intelligent Investment Management, LLP 
can assist you in planning for your future.
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