From landing your first job to navigating relationships, raising children, and caring for aging parents, each stage of life brings new responsibilities and new financial questions. Your actions and decisions carry financial implications, not just for you but for your family. For many women, managing money can feel like one more task on a never-ending to-do list. But for the women we work with, staying proactive with their finances isn’t about adding more pressure. It’s about creating options, confidence, and peace of mind for the moments that matter most.
Combining your financial knowledge with guidance, accountability, and partnership can take your financial plan and foundation to the next level. Working with a trusted advisor can help you stay on track, filter out the noise, and make informed decisions that reflect your values and goals. You don’t have to figure it all out alone. In fact, research shows that you’re more likely to reach your goals with the right team by your side.
Here are three guidelines we make sure to discuss with every woman we partner with. These will help you to plan proactively for your financial future and navigate the important transitions life brings.
Build Your Financial Team and Revisit Annually
No one builds a secure financial future alone. Nearly 3 in 4 women who work with a financial advisor say they wish they had started sooner. A strong team provides guidance, structure, and confidence as your life and priorities evolve.
In addition to planning, make it a habit to reassess. Review your financial plan at least once a year, or anytime you experience a major life change. Use these check-ins to update your goals, adjust savings and investments, and make sure your plan reflects your reality.
Women often encounter specific financial turning points that require thoughtful preparation and support. The best way to navigate these life changes is to plan in advance and avoid being on your back foot as the situation presents itself. Key areas to focus on include the following.
Marriage and Divorce
These events reshape your financial responsibilities and legal rights. Talk through finances early in your relationship, and if you’re separating, work with professionals to ensure your financial independence is protected. Update accounts, insurance, and estate documents as needed.
Career Pivots and Professional Growth
Whether you’re taking time off, switching industries, launching a business, or returning to the workforce, your financial plan should evolve with you. A financial partner can help you evaluate compensation, benefits, and how to keep saving and investing through transitions.
Caregiving Responsibilities
Women are more likely to become caregivers for children, aging parents, or both. These roles can impact their incomes, savings, and career trajectories. Build flexibility into your plan, and explore resources like long-term care insurance or family care agreements.
Longevity and Independence
Women tend to live longer than men, which means planning for a longer retirement is essential. Account for rising health care costs, inflation, and the potential need to manage finances on your own in later years. Preparing now supports peace of mind and long-term security.
While many women tend to value independence, it’s important to lean on trusted advisors. A financial advisor can offer clarity, accountability, and partnership, especially during market swings, job changes, or moments of uncertainty. With the right support, you can move forward with confidence, not fear. Many women say working with a financial professional helps them feel more prepared for their financial future. Nearly 3 in 4 say they wish they had met with one sooner, underscoring how valuable early and ongoing financial guidance can be in building confidence and reducing stress.1
Build Your Foundation Early and With Intention
The strongest financial game plans start with small, consistent steps. Whether you’re in your first job or navigating a career change, laying the groundwork early sets you up for flexibility later.
We know firsthand how powerful it can be to take control of your financial life with clarity and intention. A great first step is automating what you can — savings, retirement contributions, even debt payments. It takes the pressure off daily decision-making and keeps your progress steady.
Employer Benefits
We also encourage you to take full advantage of your employer benefits. Too many people miss out on valuable perks like 401(k) matching, Health Savings Accounts, dependent care accounts, and insurance options that can quietly strengthen their financial foundation.
Roth IRA
If you’re early in your career, a Roth IRA can be a smart move that offers tax-free growth now and tax-free withdrawals in retirement. The earlier you start, the more time your money has to grow.
Managing Debt
When it comes to debt, focus on high-interest balances first, but don’t neglect building some emergency savings along the way. You don’t have to choose one or the other — just have a plan.
And don’t wait to start saving for long-term goals. Even small contributions to something like a Roth IRA or a 529 plan for your children can add up over time, thanks to the power of compounding.
Stay Invested
Life changes — your plan can too, but your discipline shouldn’t. Just like a strong team sticks to its playbook during high-pressure moments, your financial success depends on staying calm and consistent.
We’ve walked alongside clients through all kinds of market conditions, and we know that staying grounded is often more important than chasing perfection. It all starts with having an investment strategy that reflects your goals, your timeline, and your comfort with risk. Once that’s in place, it becomes your guide — evolving when your life or priorities change.
When markets get noisy or unpredictable, it’s easy to feel anxious. We’ve seen how fear can lead to decisions that pull people off track. But a well-built plan is designed to weather ups and downs. Trusting that plan and giving yourself permission to not react emotionally can make all the difference. When uncertainty creeps in, we’re here to be a steady sounding board, helping you zoom out and stay focused on the bigger picture.
Some of the most successful investors aren’t the ones trying to time things just right. They stay invested and give their money time to grow. Compounding is powerful, but it needs consistency. We believe in staying the course and letting time do its work.
Above all, we want you to know that confidence doesn’t come from knowing everything — it comes from having the right support. You don’t have to do this alone. With the right plan, the right team, and the discipline to keep showing up, you can build something strong and lasting. We’re in this with you.
At Curi Capital, we believe financial empowerment is a team effort. That’s why we partner with women at every stage of life to create clarity, confidence, and a sense of control around their financial goals. No matter where you’re starting from, we’ll help you take your next step — with strategy, support, and a team behind you.
1 Women taking on more financial responsibility | Allianz Life. (n.d.). Allianz Life.
https://www.allianzlife.com/about/newsroom/2024-press-releases/women-taking-on-more-financial-responsibility
The opinions and analyses expressed in this presentation are based on Curi Capital LLC’s (“Curi Capital”) research and professional experience and are expressed as of the date of this presentation. Certain information expressed represents an assessment at a specific point in time and is not intended to be a forecast or guarantee of future performance, nor is it intended to speak to any future time periods. Curi Capital makes no warranty or representation, express or implied, nor does Curi Capital accept any liability, with respect to the information and data set forth herein, and Curi Capital specifically disclaims any duty to update any of the information and data contained in this presentation. The information and data in this presentation does not constitute legal, tax, accounting, investment, or other professional advice.
The opinions and analyses expressed in the article are based on Curi Capital, LLC's research and professional experience. The information and data in this article do not constitute legal, tax, accounting, investment or other professional advice. Investors should consult with their trusted professionals prior to taking any action.
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