Women Are On Track To Inherit The World's Wealth, LFG Daily - November 26, 2025

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Luke Lloyd, CEO Lloyd Financial Group

Why Women Are on Track to Control Most of the Wealth — And Why Financial Planning Needs to Catch Up

There’s a massive shift happening in wealth in America, and most people aren’t talking about it. Over the next couple of decades, women are expected to control more wealth than men — not because of some cultural slogan or empowerment campaign, but because of demographics, longevity, career trends, inheritance patterns, and the way life actually plays out.

Here’s the simplest place to start: women live longer. A lot longer. On average, men die five to seven years earlier, and in many marriages, the husband is older to begin with. That means the odds are overwhelming that women outlive their spouses, and with that longevity comes something people rarely think about — financial responsibility. The person who lives the longest makes the final financial decisions, whether they planned to or not.

And that’s where the wealth transfer begins.

But it doesn’t stop there. Women are earning more than ever before, graduating from college at higher rates, entering leadership positions, starting businesses, inheriting assets from parents, and then — later in life — inheriting again from spouses. It’s a double-wave transfer, and it’s already underway. In the next decade alone, women are projected to control the majority of the $30+ trillion wealth transition happening in the U.S.

The surprising part? Many women never saw it coming. Even today, in a lot of households, men still handle the investing, the retirement accounts, the insurance decisions, the tax planning — not because women aren’t capable, but because traditional roles hung around longer than anyone expected. So what happens? Suddenly, at 62… 68… 74… women find themselves holding the accounts, signing the documents, and making choices with real financial consequences — often at the most emotionally vulnerable moment of their lives.

And here’s another layer: women spend more years in retirement. They spend more years single (after 65 years old, younger men tend to stay single longer). They spend more years with healthcare costs that rise as they age. So even though they will control more wealth, they also face a higher risk of running out of it. Longevity is both a blessing and a budget line item.

All of this creates a strange contradiction: women will control more wealth, but are statistically less confident about investing decisions. Not because they’re worse at it — actually, when women invest, studies show they outperform men because they trade less and stay disciplined — but because society trained men to speak the language of money and trained women to “be careful” with it.

That’s changing — fast. Younger women are investing earlier. They’re asking smarter questions. They’re rejecting the idea that money conversations are masculine. But the real tidal wave is with women in their 50s, 60s, and 70s — the ones about to inherit or already doing it.

Financial planning needs to meet them where they are, not where old stereotypes assumed they would be.

Women don’t want charts and jargon. They want clarity, structure, security, purpose, confidence, and someone who won’t talk down to them or glaze over their concerns. They want planning that accounts for living longer, spending differently, supporting adult children, caring for aging parents, protecting dignity, and ensuring independence.

This isn’t just a demographic trend. It’s a wake-up call for advisors, for families, and for anyone who thinks wealth planning should look the way it did in 1985.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

Colin Symons, CIO Lloyd Financial Group

Retail Sales were weaker than expected, at 0.2% m/m vs. exp. 0.4%. The Control Group was -0.1% m/m vs. exp. 0.3%, which will hit GDP.

PPI number is stale, from September. Headline PPI was 0.3% m/m but I’d call it a modest slowdown, as Core was 2.6% Y/Y vs. exp. 2.7% and prev. 2.9%. M/m it was only 0.1%. You can pound the slowdown drum a little harder. Services PPI is slowing down, but airfares at 4% m/m will increase PCE. If anything, inflation looks more like it’s heading to target.

Pending Home Sales for October was 1.9% m/m vs. est. 0.5%.

Consumer confidence to 88.7 vs. est. 93.4. Expectations fell and the labor index went negative.

BoJ is preparing markets for a rate hike as soon as next month, as the yen continues to fade.

MIT says China has overtaken the US in global “open” AI models, based on downloads.

NVDA was weak as GOOG TPUs performed well against NVDA’s GPUs but by the end of the session were down only 3%.The whole NVDA-centric cabal of stocks struggled vs. the GOOG-centric stocks, though the separation wasn’t huge, or likely overly lasting, in my mind.

SoftBank (an NVDA stock) bounced back nicely in Japan, overnight.

The SPX broke back above the 50SMA (50-day Simple Moving Average.)

Dallas Fed, Jobless Claims, and Beige Book, today.

What does it all mean? Data shows inflation remains tame and liquidity is looking better, which should give markets a boost.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

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