The Great Wealth Transfer: What Every Woman Needs to Know Before Inheriting
With trillions of dollars set to change hands over the next two decades, women are poised to inherit a significant portion of America’s wealth. Yet many report feeling underprepared or overwhelmed when it comes to managing it. This isn’t just a financial shift. It’s a cultural one. Let’s talk about how women can be ready not just to receive wealth, but to grow, protect, and pass it on with confidence.
The Numbers Don’t Lie. Women Are at the Center of It All
According to the 2025 Citizens Bank survey:
- Women are expected to control $34 trillion in investable assets by 2030.
- 84% of women say they lack confidence in managing inheritance money.
- More than a third of women (35%) don’t yet have an estate plan.
These numbers aren’t about capability. They’re about access, encouragement, and proactive planning.
Wealth Isn’t Just About Money — It’s About Meaning
Inheritances don’t always come with instructions. And when women report feeling overwhelmed or unsure of what to do next, it’s not because they aren’t capable. It’s because wealth comes tangled in emotion, family dynamics, and uncertainty. Also, many woman assume that their spouse has this covered. Which, unfortunately, is not always the case. As we have said before (and statistics support) women outlive men. Given this, women must be involved and confident.
That’s where estate planning (or as we call it, ‘life planning’) makes all the difference.
Whether you’re preparing to receive an inheritance or passing one on, having clear legal documents in place (like a trust, will, power of attorney, and healthcare directives) gives structure to your wishes. It turns questions into clarity. It protects your values and your people. And it ensures that what you’ve built or inherited is preserved with purpose.
The truth is: planning isn’t just about protecting dollars. It’s about honoring your story, your choices, and the generations who come next.
So, What’s Next?
At The Law Offices of Mark F. Moss, PLLC, we believe life planning should be accessible, empowering, and built around what matters most to you. If you’ve been putting off your estate plan, or if you’re unsure how to handle what’s been passed down to you, we’re here to help. Ready to get started? Book a consultation today online or call (904) 329-7242, and let’s create a plan that gives you confidence, clarity, and control.