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Welcome to
Financial Empowerment Month
brought to you by the Abacus Women’s Initiative

We’re glad you’re here!

Below you’ll find tools and resources designed to inspire you around your money and increase your financial education.

In this complimentary eBook, you will get actionable steps on investing, setting S.M.A.R.T. goals,
protecting what you’ve got, and more!

Download: Female Empowerment Month

By providing your email address, you’ll be signed up to receive periodic emails and financial education from Abacus,
which you can unsubscribe from at any time.


Women and men face many of the same financial challenges. However, studies show that women have some unique financial needs because they:

  • Earn less compared to men1
  • Take more time out of the workforce2
  • Have less saved in retirement accounts3
  • Live longer so need to have saved more4
  • Invest 40% less than men5


Women are increasingly taking control of their money

  • Women are starting to invest more than in the past, save a higher percentage than men, and tend to have slightly higher returns when they do invest!6
  • By 2028, women will control 75% of discretionary spending around the world7
  • Women will control two-thirds of US wealth by 20308
  • 44% of women (and climbing) are the breadwinners in their homes9

We recognize the unique position that women are in and are passionate about changing the conversation. The Abacus Women’s Initiative was launched in 2017 to provide focused financial education, resources, and support for women in our communities and within our company to take control of their money.

(1) U.S. Census Bureau. (2019). Current Population Survey, Annual Social and Economic (ASEC) Supplement: Table PINC-05  (2) AARP Florida, June 28, 2012, The Sandwich Generation: You Are Not Alone, Caregiving in the United States; National Alliance for Caregiving in collaboration with AARP. November 2009.  (3) Vanguard How America Saves 2017  (4) CDC/NCHS Data Brief – Mortality in the United States, 2017  (5) Wealthsimple Survey 2018  (6) Fidelity Investments Survey 2017 –  (7) EY-Harnessing the power of women investors in wealth management . (8) FWAC Women of Wealth Report 2012 . (9) Prudential Study 2014 – Financial Experience and Behaviors Among Women


Barbara Wolf

"Guiding clients who may be new to managing money from feeling overwhelmed or anxious to feeling confident about their money is fun and rewarding."

Mary Beth Storjohann

“Helping women business owners figure out their “enough” numbers – immediate & future - gives them the power to make clearer and more strategic business decisions.”

Beth Greulich

"We can play the role of a financial partner who empowers our clients to say "no" when faced with difficult financial decisions in family matters."

Kate Barron-Alicante

"Our clients are often incredibly capable people who want to confirm where they are financially so they can move forward and make some big choices about work and life."

All Abacus advisors are Certified Financial Planners CFP®


Being organized and educated

Being educated about your investing, savings, and spending goals

Properly navigating the financial impacts of divorce

Having a secure plan in place if paying for college

Increasing peace-of-mind (and excitement) as you near retirement

Seeking support after the loss of a loved one

Reviewing your options before a career change

Seeking support from a professional around complex decisions

Giving to charities & causes that are meaningful to you

Spending your time on what matters most


Financial Boot Camp for Young Professionals
October 10 | Oakland, CA | Register for Bootcamp

Personal Finance Workshop
October 17 | Santa Monica, CA | Register for Workshop

Financially Empowered Women: Real Questions, Straight Answers
October 18 | Sebastopol, CA | Register for Event


How do I know I have enough?
Before you know if you have enough financially, you have to determine what “enough” looks like to you. Do you have enough to be safe in an emergency? Do you dream of owning a home? Traveling the world? Paying for your children’s college tuition? Having your own business?
Once you know your goals, take a good, honest look at your current financial situation and determine the steps you need to achieve them.
Remember, “enough” is a relative, and very personal concept that is hardly measured by dollars alone. “Enough” relates to more than just the money. Consider your current home, your job, your health, and your relationships with family and friends. How does “enough” look now?

When is the best time to invest?
Yesterday. Yep – because over the long term the markets tend to go up and you’ll benefit from compounding!

How much risk should I take in my investment portfolio?
Your investment allocation will be unique to your needs. Two key things to consider: How long before you need the money? How will you react if the market takes a major dip?
If you don’t need the money for a long time and are not reactive to market ups and downs, the more risk you can take. If you need the money sooner, you may want to adjust your allocation so all your money is not dependant on the market performance for the next few years alone. We recommend speaking with an investment professional before making changes to your portfolio.

Do I need an estate plan?
Perhaps. Most people need at least a Will. Many also benefit from having a Financial Power of Attorney, and an Advanced Healthcare Directive. In some states, a revocable Trust is valuable, too.

How much house can I afford?
Experts recommend spending no more than ⅓ of your take-home pay on housing (mortgage payment, home insurance & property taxes).

I’m a Millennial. What Money Moves Should I Make?

Make these financial decisions as a young adult and set yourself up for financial success down the road.
read more

Should I Retire at 65?

Instead of racing to the end of your career, think about what you want your 60s, 70s and beyond to look like, and start planning for that vision.
read more

How to Manage Your Finances as a Couple

Some helpful tips on how to maintain a healthy stream of communication around your finances and how to organize your important financial documents so that no one is left in the dark.
read more
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