Retirement planning is undergoing a fundamental shift, and women are at the center of it. Over the next decade, a historic wealth transfer will give women unprecedented financial power. At the same time, women continue to face unique retirement challenges that mean planning must look different than it has in the past.
Women are projected to inherit over $30 trillion by 2030 as Baby Boomers pass down wealth. Yet, women’s retirement readiness lags men’s on average. This gap isn't due to lack of ability — it's tied to systemic financial realities, life expectancy differences, and workforce trends that have disproportionately affected women for generations.
The result? Women stand to become one of the most financially influential groups in retirement planning and the industry is finally paying attention.
Women generally live longer than men, often 5+ years longer. Longer life spans require retirement plans that deliver lasting, reliable income. It’s not just about saving; it’s about sustaining quality of life for decades.
Women are more likely to take time out of the workforce for caregiving and are overrepresented in part-time roles. These career pauses affect:
Even with progress in workplace equality, these patterns still affect savings trajectories.
New research shows women may exhaust traditional retirement portfolios more quickly because longevity amplifies market-risk exposure. Traditional 60/40 strategies may not always suit those with longer time horizons and more years of market volatility ahead.
Women frequently express a desire for:
That means retirement planning must evolve from simply building assets to building durable income strategies.
Women engage deeply in financial education and long-term planning. Studies show women investors often:
When women are supported and empowered financially, they are better able to provide for their financial future.
Policy is catching up to women’s needs:
Employers are increasingly adopting plan features designed to boost participation and savings among women, and it's paying off.
Whether you’re planning as an individual, a business owner, or both, women’s evolving financial role reshapes retirement priorities.
A successful retirement plan for women should feel intentional, flexible, and focused on lifetime stability.
Female employers and women-led firms are also changing plan design trends. As a woman business owner, you can:
When business strategy and retirement strategy work together, wealth builds faster and with more control.
The future of retirement planning is female and more strategic, more personalized, and more income-focused than ever before. Women are assuming more financial power, reshaping financial norms, and creating demand for retirement solutions that recognize longevity, life balance, and financial security.
The industry is evolving in response, but the most effective change begins with personalized planning and education.
RMC Group supports individuals and business owners in building retirement plans designed for long-term stability, sustainable income, and personal goals. We understand the unique challenges and opportunities women face in planning for the future, and we help design strategies that reflect real lives — career pauses, longevity, life changes, and evolving priorities. Whether you're planning for yourself, your family, or your employees, our team can help you create a retirement plan that lasts.
Ready to build a retirement strategy with confidence? Contact RMC Group to start planning for a secure and rewarding future. Schedule a meeting today with one of our Retirement Planning Consultants, click here.