The Rising Power of Women’s Wealth: Empowering Financial Futures With Sequoia Financial Group

The financial landscape in America is shifting, with women poised to control an unprecedented amount of wealth in the coming years. Research from McKinsey & Company indicates that within the next three to five years, a significant transfer of assets—estimated at $30 trillion—will place more financial power in the hands of women than ever before. This shift marks a major transformation in wealth distribution and presents significant opportunities for financial planning and investment strategies tailored to women’s needs.

Several factors contribute to this change, including the growing representation of women in high-earning professions, increased female entrepreneurship, and the substantial role women play in generational wealth transfer.

Men and women often approach financial management differently. Studies show that women are more likely to seek professional financial advice and tend to be more cautious in their investment strategies, prioritizing long-term security and personal goals over high-risk ventures.

Sequoia recognizes the importance of supporting women in these evolving financial roles. Our approach includes personalized wealth planning, comprehensive financial analysis, and long-term investment strategies designed to align with women’s unique financial priorities. Through specialized services, we aim to empower women with the knowledge and resources needed to navigate their financial futures confidently while preserving and growing their wealth.

Empowering Women to Build Their Financial Futures

Many women, despite their success in various fields, often hesitate to make bold financial decisions. Studies indicate that even when women possess the same or greater financial knowledge as men, they tend to underestimate their abilities. This self-doubt leads to conservative investment choices, such as favoring cash savings and low-risk assets over diversified investments like stocks, real estate, or business ventures. Additionally, financial resources aimed at women often emphasize budgeting and saving rather than investment and wealth-building. While caution can be beneficial, excessive risk aversion can limit long-term financial growth and wealth accumulation.

Sequoia emphasizes empowering women through education and hands-on financial guidance. We highlight key investment principles such as patience, continuous learning, and balancing risk to build long-term financial success. Understanding when to cut losses, leveraging everyday insights for investment opportunities, and taking small, confident steps into the investment world can help women become more financially independent. With additional education and reasonable goal setting, women can develop stronger investment strategies and build lasting wealth. 

Understanding that financial empowerment goes beyond investment management, Sequoia provides insightful discussions, educational materials, and personalized plans designed to resonate with values-driven approaches. Our budgeting resources, investment platforms, and goal-tracking solutions are crafted to help women navigate their financial lives with clarity and purpose. Whether planning for retirement, funding education, or building generational wealth, these tools offer guidance and flexibility to accommodate shifting life stages and financial needs. 

Additionally, Sequoia provides financial guidance to help clients navigate major life transitions, such as the loss of a spouse, divorce, or a significant career advancement. These events often bring complex financial decisions, and our advisors offer professional insight so that clients are well-prepared for their next chapter. Whether managing inheritance and estate plans after losing a spouse, understanding asset division and tax implications during divorce, or optimizing compensation and benefits following a career shift, we tailor financial strategies to each client’s unique situation. 

With a focus on long-term financial stability, we deliver robust investment strategies, tax planning, and ongoing support to help clients make informed decisions. Our comprehensive approach means individuals can confidently transition through life’s changes while securing their financial future. Through compassionate guidance and strategic planning, we empower clients to achieve financial peace of mind, no matter what life brings their way. 

By fostering a supportive environment for meaningful financial discussions and strategic wealth planning, Sequoia empowers women to take charge of their financial futures.

Overcoming Longevity Risks

Women tend to live longer than men, with life expectancy differences varying by country. In the U.S., women outlive men by approximately five to six years. This longevity gap makes retirement planning crucial, as women often face financial challenges such as rising healthcare costs, inflation, and periods of living alone. With 10,000 Baby Boomers turning 65 daily until 2030, and 7 in 10 people requiring long-term care in their lifetime, strategic financial planning is essential. 

A major challenge for women is the risk of outliving their savings. Lower lifetime earnings due to wage gaps and career interruptions can lead to smaller retirement savings and reduced Social Security benefits. To address this, women should adopt proactive financial strategies, including investment diversification and long-term care planning. Additionally, healthcare costs are typically higher for women due to their longer lifespans and increased likelihood of needing long-term care. It is important to have a plan to mitigate these risks, whether through insurance coverage or self-insuring by building sufficient assets to cover these potential expenses. 

Key financial strategies for women include: 

• Start Investing Early – Small contributions grow over time through compound interest. 

• Maximize Retirement Investments – Utilize employer-sponsored plans, pension benefits, and investment vehicles available in addition to those that may be provided by employers. 

• Invest Regardless of Employment Status – Stay-at-home spouses can contribute to IRAs if their partner earns income. 

• Plan for Longevity – Prepare for 20–30 years in retirement by understanding Social Security, pensions, and healthcare costs. 

Common financial pitfalls to avoid: 

• Don’t delay planning – Prioritize retirement savings. 

• Be proactive – Take an active role in financial planning. Take advantage of educational materials and learn all you can; take charge of your future. 

• Don’t put children’s education before retirement – There are no retirement loans. 

• Don’t ignore investing basics – Learning investment strategies maximizes savings. 

By taking proactive steps, women can secure a stable financial future and sufficient income throughout retirement. 

Supporting Entrepreneurship Ventures

According to the 2024 Wells Fargo Impact of Women-Owned Business Report, women-owned businesses continue to fuel the economy, representing 39.1% of all businesses – over 14 million – employing 12.2 million workers and generating $2.7 trillion in revenue.8   

Women-owned businesses face unique challenges in funding, scaling, and sustaining their ventures. One of the most significant barriers is access to capital. Women entrepreneurs often receive less funding than their male counterparts due to systemic biases, limited networking opportunities, and a lack of representation in venture capital and banking institutions. Many women-owned businesses rely on personal savings or small loans, which can restrict their growth potential. Additionally, navigating the complexities of business financing, from securing grants to understanding investor expectations, can be daunting without proper guidance and support. 

Sustaining a women-owned business requires long-term financial planning, risk management, and strategic reinvestment. Economic fluctuations, cash flow management, and competition can pose threats to business longevity. Women entrepreneurs also face challenges in maintaining a work-life balance while ensuring business success. Without a strong support system and trusted financial professionals, maintaining profitability and long-term growth can be challenging. 

Sequoia empowers women entrepreneurs by providing tailored financial planning and investment strategies to help them sustain their businesses. By fostering financial literacy, offering guidance, and advocating for women in business, we are dedicated to bridging the gap in sustaining women-owned enterprises. 

Long-Term Planning Focused on Legacy

Long-term wealth planning is about more than just financial security—it’s about creating a meaningful legacy that reflects personal and family values for generations to come. Thoughtful wealth management ensures that assets are preserved, grown, and distributed in a way that aligns with an individual’s vision for the future. This often includes charitable giving, family trusts, and investment strategies designed to support causes that matter most. For many, especially women who are increasingly taking charge of their financial futures, legacy planning is an opportunity to empower future generations, foster community growth, and drive positive social change. 

Sequoia understands that wealth is deeply personal and should be managed with intention. Their approach to long-term wealth planning is rooted in a holistic understanding of each client’s unique goals, values, and aspirations. By integrating estate planning, tax strategies, and philanthropy, Sequoia helps clients structure their wealth to support both their families and the broader community. They emphasize financial education and empowerment, ensuring that women, in particular, have the knowledge and confidence to make informed decisions that create lasting impact. 

Through personalized guidance, Sequoia assists women in leveraging their wealth to drive meaningful change. Whether through philanthropic initiatives, impact investing, or multigenerational wealth transfer strategies, Sequoia helps clients align their financial plans with their deepest values. Their commitment to education and empowerment ensures that women can take an active role in shaping their financial legacies, leaving behind not just wealth, but a profound and lasting contribution to society. 

Conclusion

The financial landscape is undergoing a transformative shift, with women poised to control an unprecedented amount of wealth. This moment presents an extraordinary opportunity to reshape financial strategies, close confidence gaps, and make sure women have the tools to build lasting financial security. As women continue to rise in financial influence—whether through career advancement, entrepreneurship, inheritance, or investment—the need for tailored financial guidance has never been greater. 

Sequoia is deeply committed to empowering women with the knowledge, confidence, and strategic planning necessary to navigate their financial journeys. By fostering financial literacy, offering personalized wealth management, and supporting major life transitions, Sequoia makes sure that women can make informed decisions that align with their goals, values, and aspirations. 

Beyond financial security, Sequoia is dedicated to helping women build meaningful legacies—whether through generational wealth transfer, philanthropy, or entrepreneurship. With impeccable guidance and a commitment to long-term success, Sequoia Financial Group and Sequoia Sentinel stand as trusted partners, empowering women to take control of their wealth and shape their financial futures with confidence and purpose.