Women are often at the centre of their family financial decisions, from day-to-day budgeting and care-related spending, to later-life care planning and inheritance. For many, this creates a sandwich generation, with care and financial responsibilities flowing to parents and children at the same time.
Despite this, only 10% of women regularly see a financial adviser (LV= Wealth and Wellbeing 22, 2026).
How to build trust with the women inheriting yesterday’s money, influencing today’s spending and deciding where wealth goes next.
If women do not feel recognised in advice conversations, advisers may risk losing client relationships and associated assets following inheritance, bereavement or divorce. But when advisers engage women well, they can build deeper family relationships, strengthen client trust and support better long-term outcomes across generations.
To explore these themes in more detail, email our team to book a meeting at [email protected].
“53% of women have, or expect to receive an inheritance.”
Inheriting yesterday’s wealth
Women seeking financial advice were 45% more likely than men to have inherited assets (Unbiased, 2025) and yet nearly one-third of women who inherited from parents had no prior conversations about the transfer (UBS, 2025).
Moments like this can bring sudden financial responsibility and may increase a client's vulnerability or susceptibility to harm. Building trust before and during these transitions can help you retain family relationships and support clients through complex decisions.
Influencing today’s wealth
Women often play a central role in household financial decisions, family budgeting and care-related spending. In fact, 56% of women make most everyday household purchasing decisions, compared with 15% of men (Fawcett Society and Starling Bank, 2020).
Recognising these responsibilities can help you ask better questions and uncover pressures that may otherwise remain hidden.
Deciding tomorrow’s wealth
As women live longer and take an increasingly active role in financial decision-making, they can have significant influence over where family wealth goes next.
Only 34% of female clients said they would remain with the family adviser after widowhood or divorce, while advisers expected 62% to stay (Schroders and Ad Lucem, 2024). Stronger conversations today can help protect advice relationships for the future.
LV= can help you engage women more effectively at these key stages of the wealth journey. Take a look at our resources to see how we can help you build trust and support better client outcomes.
“30% of women haven't considered how they will fund later-life care.”
We are proud to support women in the advice profession by sponsoring the Professional Adviser Women In Financial Advice Awards 2026 for a second year, which celebrate the achievements of women working within the financial advice community and also the wider financial services arena.
We also support the Women’s Wealth Alliance and are pleased to share their guide to careers in personal finance. Grounded in research on women’s lived experiences it explores the reality of working in personal finance through a female lens.
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