Women and Wealth
Financial strategy for women navigating career breaks, divorce, inheritance, and retirement with confidence.
General Advice Warning: Any advice on this site is general in nature only and has not been tailored to your situation and needs. Please seek personal advice prior to acting on this information. Before acting on this content, consider its appropriateness to your objectives, financial situation and needs.
Women face distinct financial planning challenges that standard advice often overlooks. Career breaks for caregiving, the superannuation gap, divorce and separation, longer life expectancy, and the emotional complexity of inherited wealth all require tailored strategies — not generic recommendations.
Build MyWealth works with women at every stage of life to build, protect, and transfer wealth with clarity and confidence. We provide advice that is structured, evidence-based, and designed around the specific financial realities women face.
Why Women Need Tailored Financial Advice
The superannuation gap between men and women at retirement remains significant. Career breaks, part-time work, and the gender pay gap all compound over decades. Women also tend to live longer, meaning retirement savings must stretch further. Divorce and separation can reset financial positions entirely, and inherited wealth often arrives without a framework for managing it.
Tailored advice addresses these realities directly — not as exceptions to a standard model, but as the starting point for strategy design.
What We Cover
- Super catch-up strategies — Maximising contributions after career breaks using carry-forward provisions and spouse contributions
- Divorce and separation planning — Structuring financial affairs during and after separation, including super splitting and asset protection
- Insurance structuring — Income protection, life, and TPD cover designed for women’s specific career and family circumstances
- Investment strategy — Building long-term wealth with a focus on risk-appropriate growth and income generation
- Estate planning — Wills, testamentary trusts, and binding nominations that reflect blended families and caregiving roles
- Retirement income planning — Modelling retirement income needs that account for longer life expectancy and healthcare costs
Related Strategy Pages
- Retirement Planning Strategy — Pension strategy, drawdown planning, and retirement income modelling
- Estate Planning Strategy — Wills, powers of attorney, binding nominations, and testamentary trusts
- Risk Insurance Strategy — Life, TPD, income protection, and trauma insurance structuring
- SMSF Strategy — Self-managed super fund strategies including Division 296 planning
- Intergenerational Wealth Transfer — Structuring wealth transfer across generations
Sangram Rana is an IFA Excellence Awards finalist: Risk Adviser of the Year 2022, 2023, and 2025, SMSF Adviser of the Year 2022 and 2023, and Client Outcome of the Year 2022. Published in the Australian Financial Review, Money and Life, SmartCompany, Inside Small Business, Professional Planner, Life Insurance Guide, CommBank Brighter Magazine, and Benefolk. Corporate Authorised Representative, Lifespan Financial Planning AFSL 229892.
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Build MyWealth is a trading name of Accounting Cloud Pty Ltd. Sangram Rana is a Corporate Authorised Representative of Lifespan Financial Planning Pty Ltd AFSL 229892. This page contains general information only and does not constitute personal financial advice. Financial Services Guide available at lifespanfp.com.au.
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