Estate Planning During Menopause
Did you know women outlive men by 5-7 years on average, yet 58% of us have no estate plan whatsoever? Let that sink in.
INSIDE THIS ISSUE:
Discover why menopause is your golden opportunity to secure your financial legacy
Learn three essential estate planning documents every woman needs now
Uncover how hormone changes might actually improve your financial decisions
THE CHANGE THAT CHANGES EVERYTHING
Why menopause is actually your financial superpower
Listen, your body isn't the only thing transforming during this time. Your entire financial picture is shifting too. What connects our experiences is how perimenopause often coincides with peak earning years, children leaving home, and aging parents needing care. This perfect storm means it's time to get your estate planning right.
The reality for so many of us is that menopause symptoms can impact our careers and income. Some women find themselves reducing hours, changing positions, or even considering early retirement. This can put a serious dent in your retirement savings if you don't have a plan.
The truth? Menopause can actually sharpen your financial focus. I've seen time and again how women in this phase become more decisive and clear about what truly matters. . The fog lifts, and suddenly you're more decisive about what truly matters for your legacy. That's the truth.
Your menopause moment is prime time to:
Update beneficiaries on retirement accounts and insurance policies
Select healthcare proxies who truly understand your evolving health needs
Review who will make financial decisions if you cannot
BEYOND THE WILL
Estate planning tools you've never considered
A will is just the beginning. Women experiencing menopause need to think broader about securing their bag. They regularly tell me they're surprised to learn about the healthcare and financial planning gaps a will doesn't cover.
Since women typically live longer, planning for potential long-term care needs is non-negotiable. Your retirement accounts, life insurance, and certain property bypass your will completely. That's why you need to be strategic about:
Creating an advanced healthcare directive that specifically addresses your changing health concerns
Setting up a living trust to protect assets and avoid watching your dollars disappear to probate costs
Developing a digital estate plan for online accounts (because, yes, your Bitcoin and Instagram matter too)
These documents will ensure your wishes are respected, especially if health changes leave you unable to communicate.
THE CONVERSATION NO ONE WANTS
Talking money and mortality with loved ones
Full stop – the hardest part isn't creating the documents, it's having the conversations. What I hear constantly is the discomfort around discussing these wishes with family. But this is where your menopausal wisdom becomes your greatest asset.
Now's the time to:
Scheduling a family meeting to explain your estate plan intentions clearly
Creating a "love letter" detailing your decisions to prevent family confusion
Building a relationship with a financial advisor who understands your needs
Are you putting this off because it feels overwhelming? I get it. But this is your chance to make your money work overtime even after you're gone.
YOUR NEXT MONEY MOVES
The reality for so many of us is that we're building wealth without a clear plan for its future. That ends now. I'm challenging you and three of your closest friends to schedule an estate planning review this month. Text them right now and say: "I just read something that made me realize we need to talk about our financial legacy. Let's do this together."
Because estate planning during menopause isn't just about your money – it's about making sure your voice continues to be heard when you need it most.