Women and Wealth: Guiding the $84 Trillion Transfer
Dr. Sara Stolberg Berkowicz shares insights on women and wealth. Over the coming decades, an unprecedented $84 trillion wealth transfer is expected. Because women statistically outlive men, widows will inherit much of this wealth first—creating both opportunity and responsibility. Women will increasingly guide family legacies, shape charitable giving, and manage investments that outlast their spouses.
Advisors who build trust with both partners, engage female spouses, and encourage equal decision-making position themselves to support this transition. Research shows younger women are narrowing the retirement savings gap, with Gen Z balances nearly matching men’s, and they demonstrate disciplined, long-term investment habits. Empowering women before they inherit ensures this historic wealth shift strengthens families, communities, and financial security for generations.
