The Great Wealth Transfer

When my husband passed away, I didn’t just lose the love of my life—I inherited the full weight of running my creative agency without his unwavering support, managing the estate and household finances, and making sure our family stayed financially secure.

It was overwhelming. I had to learn, decide, and act—often all in the same day. But through the grief, I discovered something powerful: financial literacy isn’t optional. It’s power and freedom.

Now, I’m raising my daughters to own their worth, understand their money, and never be afraid to take the driver’s seat in their own financial futures.

We are in the midst of The Great Wealth Transfer - about $84 trillion expected to be handed down through the generations over the next 20 years. And women, due to female longevity, are set to inherit a significant share of that from the passing of their parents and husbands. But this isn’t just about money changing hands. It’s about who holds the capital, and what they choose to do with it.

When women hold the wealth, everyone benefits. As founder of Ellevest Sallie Krawcheck said, “What is a world when wealth is feminized? It is a better world, for everybody.”

Companies like Dow Janes exist to teach women from Gen Z up, the financial strategies that will help put them in control of their money and their future.

Let's all teach our daughters and the women in our lives that we can’t control everything life throws at us, but we can control how prepared we are to stand strong and live life on our own financial terms.

As for my daughters, I take hope in this:

A few years ago, when one of my daughters introduced me to her boyfriend at the time she opened with, "Mom, he has a really great FICO score!"

Grace Creative is a leading advertising agency redefining marketing to consumers 50+.