Women have many challenges when building wealth – a gender pay gap, potential lack of earned income while caring for children and parents, an aversion or lack of understanding of the markets, and a statistically longer life span. Women executives are incredibly busy working to build careers while juggling personal lives.

Most women understand how important investing is, but remain on the sidelines. According to a 2018 report by S&P Global, only 26% of women invest in the stock market. In addition, there is little representation of women in the investment profession. Only 18% of CFA Charterholders are women, and only 31% of U.S. financial advisors are women.

In some cases women come into wealth at stressful times, including the death of a spouse or a divorce. These are difficult and challenging times to learn about financial and investment management. We are dedicated to helping women understand and build wealth over the long-term, and to assisting them through transitions in an organized, methodical and understandable way.

During your prime income-earning years, we’ll help keep you laser-focused on your career. We’ll help you ensure that you are on the right track in terms of your income, spending, saving and investing so that your hard-earned funds are optimized. We’ll provide cash flow projections for you and assess your long-term outlook and asset allocation under a range of scenarios, keeping in mind potential expenditures, such as educational expenses. In coordination with your CPAs and estate attorneys, we will help with tax planning and your legacy. We’ll also help your children learn about the markets and investing from an early age.

Retirement is a major transition and requires careful consideration and planning well in advance. We’ll help you consider your changing sources of income, expenses and assets in the planning period. During this period your asset allocation may evolve, and income generation often becomes more of a focus. As well, estate planning and charitable giving may become increasingly important, and together with your other trusted advisors we will assist you in establishing a plan in line with your long-term goals.

Beyond simply writing a check to a charitable organization, there is a wide array of charitable giving options which have varying benefits, restrictions and tax impacts, including gifts of appreciated stock, establishing donor-advised funds, charitable trusts and/or private foundations. With your advisors, we’ll help you understand which options serve your goals and financial circumstances best, and will ensure your investment portfolios are managed and deployed in line with your charitable giving goals.

Foundations and non-profits under $100mm can get lost in the shuffle, overlooked by consultants and asset management companies. With extensive experience on non-profit boards, we are able to add a Trustee’s perspective to our investment management expertise to further the mission of your organization. We will assist with establishing or amending your organization’s Investment Policy Statement. We will ensure that investment portfolios are in line with the IPS framework, coordinate with you on liquidity needs, provide regular, periodic reporting to the Finance Committee and overall governing Board, and will serve as a financial sounding board for additional strategic topics.