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Retirement by Design: Why Women Deserve a Financial Plan as Powerful as Their Purpose

Retirement by Design: Why Women Deserve a Financial Plan as Powerful as Their Purpose

July 31, 2025

At GAMSG Financial Advisors, we understand that women are often the heart of their families, the drivers of their businesses, and the visionaries behind some of the most meaningful contributions to their communities. Yet when it comes to retirement planning, far too many women have been underserved or worse, left out of the conversation altogether.

Whether you're managing a household, leading a company, supporting loved ones, or stepping into a new season of life, your financial future deserves a plan that reflects your story, not someone else’s assumptions.

That’s why we created The Women’s Guide to Retirement Planning and are sharing insights from the Allianz Women-Owned Business Study. Together, these two resources were designed to help women like you plan confidently, build wealth intentionally, and retire with purpose.

Access Both Guides Below:
Download The Women’s Guide to Retirement Planning
Download Allianz 2023 Women-Owned Business Study Highlights


The Reality: Women Face a Different Financial Journey

The statistics tell the story:

  • Women live 5 years longer than men, on average

  • 70% of Americans over 65 will need long-term care, and women often need it nearly twice as long

  • Women are more likely to experience career interruptions for caregiving, which reduces lifetime earnings and retirement savings

  • Divorce can result in a 23–40% income drop for women

  • Only 1 in 5 women feel confident they’ll have enough to retire comfortably

These realities don’t have to define your future, but they should shape your plan.


Business Owners: You’ve Built a Business - Now Build a Legacy

From the Allianz Women-Owned Business Study:

  • 92% of women business owners say their advisor should understand issues specific to women-led businesses

  • 56% do not have a succession or exit strategy

  • 79% have key employees critical to long-term continuity, but many lack retention benefits or buy-sell agreements

  • A significant percentage have not taken advantage of women-owned business certifications, government contracts, or succession planning resources

At GAMSG, we work with women entrepreneurs to:

  • Design retirement strategies that integrate with business income and assets

  • Create continuity plans, buy-sell agreements, and retention tools for key employees

  • Explore how tools like life insurance and executive benefits can protect your company and your family

  • Build financial plans that transition you from business ownership into a retirement life you choose


What You’ll Learn in The Women’s Guide to Retirement Planning

This isn’t a generic brochure, it’s a focused guide to help women prepare for life’s next chapter. Topics include:

  • How to generate reliable income throughout retirement

  • Social Security planning, especially for divorced or widowed women

  • Healthcare and long-term care considerations

  • Estate planning essentials: wills, powers of attorney, guardianship designations, and trusts

  • Financial strategies for navigating life events like divorce, remarriage, or widowhood

  • Business owner-specific retirement considerations


Let’s Make Sure Your Retirement Reflects You

You’ve taken care of others, now it’s time to take care of your future.

Schedule your complimentary planning session
https://calendly.com/kwebb-3/gamsg-financial-advisors-introductory-consultation

Prefer to speak with someone first?
Contact my Executive Assistant, Adriane Holland
📧 adriane@gamsg.biz
📱 (678) 488-0336


At GAMSG Financial Advisors, we help women craft financial strategies that honor their purpose, protect what they’ve built, and provide clarity in every chapter of life.

Let’s design a plan that reflects you.

Kevin C. Webb

Disclaimer:
This content is for informational purposes only and is not intended as financial, legal, or tax advice. The views expressed are those of the author and are subject to change based on market and other conditions. Investment strategies, including the use of life insurance, annuities, or retirement accounts, should be reviewed in the context of your individual goals, risk tolerance, and financial situation.
GAMSG Financial Advisors is a registered investment advisor in the State of Georgia. Please consult with a qualified financial, legal, or tax professional before making any decisions regarding your financial strategy.