Why Women?

A primary concern of women is that they will be old and poor. And the simple truth is that women do have unique planning needs. Look at these facts:

  • 80% of American women will find themselves the sole keepers of their personal finances at some point during their lives, however, most of those women feel financially insecure, despite controlling more wealth, having more education and being more involved in financial decisions.
  • Depending on the occupation women still make anywhere from .77 to .91 cents on the dollar less than men. The good news is that in younger generations the wage gap appears to be closing.
  • Women’s careers are often interrupted by family needs, both childcare and eldercare which limits their opportunity for income growth, contributes to the wage gap, and disrupts ability to save for retirement.
  • Many women start out in similar careers earning less than men either because of systemic bias or because men have better negotiating skills.
  • Widows who left the finances up to the men in their lives are in need of guidance and a trusted adviser.
  • Over the next 20 years baby-boomer women will inherit wealth from both their parents and their spouses creating a need for sound investment advice.
  • 50% of all women fear losing everything and becoming “bag ladies”.
  • Two-thirds of women over age 65 rely on Social Security as their primary source of income. Consequently, women are twice as likely as men to live out their golden years at or below poverty levels.

That is why it is so vital that women plan, save, and invest now: it’s the most empowering way to secure your financial future.

Empowering Women

Cathy’s clients are individuals who admit they need help and want to work with someone they can trust; who are savvy about money but who “know what they don’t know”; and who could do it themselves, but don’t have the time or the interest. Cathy loves

working with women who are in charge of the finances for themselves or for their families. She works with many savvy women who are smart and capable but who want to work with an expert on their financial planning and investment management. She is motivated by personal passion and satisfaction and specializes in helping women to work through their unique financial issues, including:

  • Getting over the fear of not having enough.
  • Developing a sustainable saving and investing process.
  • Understanding the balance between risk and reward in investing.
  • Getting spending under control.
  • Deciding when to retire.
  • Weighing benefits of a career or job change.
  • Becoming financially independent after divorce or death of a spouse.
  • Managing sudden wealth.
  • Buying or selling a home or refinancing a mortgage.
  • Taking on the care and financial support of elderly parents.
  • Negotiating salary, perks and bonuses.
  • Saving for competing goals.
  • Evaluating the need for long-term care insurance.
  • Providing a space to discuss emotional issues that revolve around money.

Planning for unexpected life events: divorce, disability, illness. Getting where she is now took a great amount of effort, she says. “It was hard and challenging being an independent financial advisor and at the same time, a small businessperson. But it was worth it – I love what I do!”

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