For many women in their late 40s through early 60s, these years feel like walking a narrow path: supporting parents through health changes, guiding young adults toward independence, and somehow trying to hold on to their own goals. It’s a lot — and yet, most of the women I meet are doing it with extraordinary grace.

Here’s what I remind my clients: Security isn’t the finish line. It’s the foundation that lets you build a joyful next chapter.

Lately, I’ve been having the same kind of conversation with so many clients—and it always starts with this realization: retirement isn’t what it used to be.

It’s not about stepping back anymore; it’s about stepping into something new. A second act. A new chapter. A chance to do the things that light you up.

As a financial advisor, one of my favorite things is getting to step out of my day-to-day routine and dive headfirst into new learning experiences—especially those that help me serve my clients even better. That’s exactly what happened at the Certified Board Connections Conference 2025. I left the event more energized than ever to keep researching, learning, and implementing the best practices and investments I can find.

Did you know October is Financial Planning Month? It’s the perfect time to think ahead—especially with the holidays coming up fast! Instead of feeling overwhelmed or stressed, you can create a simple plan to make your season more joyful and less expensive. In this blog post I list my favorite steps to help you get started.

A guiding principle in my life, and in my work at Abaya Wealth Management, is the belief that investing in yourself is one of the best decisions you can make. When you do, you open doors—to choices, opportunities, and experiences that bring real joy.

I am living proof of that. Investing in myself over the years has given me the ability to provide for my children and myself, yes—but it has also given me the freedom to say “yes” when opportunities come my way.

Estimating healthcare expenses is not an exact science, but taking a thoughtful, realistic approach can give you clarity and peace of mind. It’s one of the best gifts you can give yourself—and your loved ones—as you look forward to a secure, healthy retirement.

Most of us hope to age gracefully, staying healthy and independent.
But here’s the reality: nearly 70% of people turning 65 will need long-term care at some point. For women, the odds are even higher.

And yet—long-term care is one of the least planned-for parts of retirement.

Lately, I’ve had more and more conversations with friends, clients, and even my own family about parents who suddenly need more help than anyone expected. These talks are hard. They touch on independence, dignity, and finances—all at once.

But here’s the thing: waiting makes it harder. Starting the conversation now makes it easier.

On September 6th, my mom, Ann, turns 80 years old. It’s a milestone that has me reflecting not only on her incredible life, but also on the quiet ways women shape our world for the better—often without fanfare or spotlight.