Why Women Need a Different Financial Strategy

Let’s be real: the financial world wasn’t exactly built with women in mind. For decades, the “traditional” financial strategy assumed a straight path: work full-time, retire at 65, collect Social Security, live off a pension, and coast into your golden years.

But here’s the truth: that model doesn’t fit most women’s lives.

Whether it’s stepping away from the workforce to raise children, caring for aging parents, facing divorce, living longer than men, or simply being paid less for the same work—women’s financial journeys come with unique twists and turns. And those twists mean you can’t just follow a one-size-fits-all plan.

1. Women Live Longer

The average woman outlives the average man by about five years. That means more years of expenses, more healthcare costs, and a greater need for sustainable retirement income. Translation: your money needs to last longer.

2. The Pay Gap Adds Up

Yes, it’s 2025 and we’re still talking about it. Women, on average, earn less than men over their lifetimes. Less income means less opportunity to save, invest, and contribute to Social Security—making smart financial strategies even more important.

3. Career Interruptions

Many women take time out of the workforce for caregiving—whether for kids, grandkids, or elderly parents. Those breaks can reduce lifetime earnings, retirement savings, and Social Security credits. A tailored plan helps fill those gaps.

4. Divorce & Widowhood

By age 65, nearly half of women will be single due to divorce or widowhood. Without planning, those transitions can create financial chaos. With planning, they can be turning points toward empowerment.

5. Different Priorities

Women often prioritize family well-being, generosity, and security over pure growth. That doesn’t mean we avoid investing. It means we value strategies that balance risk, protect wealth, and create legacies.

What This Means for You

You don’t just need “a financial plan.” You need a financial strategy built for your life. That means:

• Planning for a longer retirement than the average man.
• Building flexibility to handle career pauses.
• Securing your independence through divorce, widowhood, or caregiving.
• Making your money align with your values.

And here’s the good news: with the right strategy, women can not only overcome these challenges but thrive financially.

Free Download: The Women’s Financial Strategy Blueprint

I created a simple guide to help you think through the unique factors that matter most for women’s financial success. Inside, you’ll find:

✔️ A checklist of women-specific financial considerations
✔️ Key questions to ask about retirement planning
✔️ Tips for turning career interruptions into opportunity
✔️ How to build confidence in every financial season

Download Your Free Blueprint Here

Investment advisory services offered through Kingsview Wealth Management, LLC (“KWM”), an SEC Registered Investment Adviser. Insurance products and services are offered and sold through Kingsview Trust and Insurance Services (“KTI”), by individually licensed and appointed insurance agents. KWM and KTI are subsidiaries of Kingsview Partners. KWM is an investment adviser registered with the Securities and Exchange Commission (“SEC”). Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.