THE MOMENTS THAT MATTER

The key life events that can leave women at a financial disadvantage, and the steps you can take to become more financially independent

‘We’re all in this together’. It might be a phrase we’ve heard quite a lot recently, nevertheless, it’s still an apt opening to a game-changing report by Insuring Women’s Futures.

More and more organisations are championing change when it comes to women’s financial security – and this report, ‘Securing the financial future of the next generation’ is a call to action for every woman and girl to take steps to secure her financial future.

Money can still be a taboo subject for many women, despite us facing a number of challenges when it comes to building up a comfortable amount of retirement savings. The gender pay gap, pensions gap and any time taken away from work to look after family all have an impact.

The programme identified six key moments in life that disproportionately impact women when compared to men generally.

Identifying these pivotal life events presents an opportunity for women to

6 ‘Moments that Matter’ in the lives of young British women

1 Growing up, studying an re-qulifying

2 Entering and re-entering the workplace

The programme identified six key moments in life that disproportionately impact women when compared to men generally

3 Relationships: making up and breaking up

5 Later life, planning and entering retirement

4 Motherhood and becoming a carer

6 LIll health, infirmity and dying

make a real difference to their financial security, by strengthening their financial resilience at those times. I would strongly recommend that you read the report, and use the information to help you plan the financial future you desire: www.insuringwomensfutures. co.uk/resources

STARTING THE CONVERSATION The Insuring Women’s Futures programme encourages girls and women to engage in their own financial life journey – to start making shortterm decisions, to create a future plan, and to arm themselves with knowledge.

Most importantly, it’s up to women to feel empowered to discuss their finances. A professional financial adviser can help equip you with the information you need to make The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. informed decisions that will impact your short- and long-term financial independence and resilience.

As an adviser with Wellesley Wealth Advisory, a practice with over £600 million funds under management, I am here to help you plan for the future, while taking into account key life events, such as those six ‘Moments that Matter’ – and beyond. I will also provide the emotional discipline required to ensure plans are acted upon, by offering guidance, support and stability to help you stay on course

to reach your financial goals.

Wellesley Wealth Advisory is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Groups wealth management products and services, more details of which are set out on the Groups website www.sjp.co.uk/products.

Wellesley Wealth Advisory is a trading name of Wellesley Investment Management Ltd.

◗ Samantha Kaye Chartered Financial Planner & Adviser Wellesley Wealth Advisory Wellesley House, 50 Victoria Road, Burgess Hill, West Sussex RH15 9LH 01444 849809 samantha.kaye@sjpp.co.uk www.wellesleywa.co.uk