3 Steps to a Strong Financial Future & Legacy
Empowering women to lead with clarity, confidence, and purpose
For many women in midlife—especially those transitioning into an empty nest—this season brings both reflection and reinvention. It’s a time to consider not just how your finances will support the next chapter of life, but also the legacy you want to leave behind.
Whether you're seeking more freedom, security, or the ability to support causes and people you care about, building a strong financial future starts with intention. At Abaya Wealth Management, we specialize in guiding women like you—smart, accomplished, and at a crossroads—to make powerful financial choices that align with the life you’re creating.
Here are 3 foundational steps to shape your financial future and lasting legacy:
Step 1: Visualize Your Next Chapter
Before diving into spreadsheets or investment accounts, start with vision. Ask yourself:
What does an ideal day look like 5 years from now? 10 years?
Where do I want to be?
What values do I want reflected in my financial decisions?
Who or what do I want to impact—now and in the future?
This vision isn’t just about numbers—it’s about designing a life filled with purpose, peace, and personal fulfillment. Whether that includes travel, creative work, volunteering, or simply having the freedom to say "yes" to opportunities—you get to define what wealth truly means to you.
Pro Tip: Use our Visualization Method to start shaping a clear, motivating picture of your future.
Step 2: Create a Resilient (Pre) Retirement Income Plan
Once you have a vision, it's time to design the structure that makes it possible. A strong (pre)retirement income plan:
Ensures steady income throughout retirement—so you don’t outlive your assets
Minimizes taxes by strategically coordinating Social Security, pensions, Roth conversions, among others
Accounts for inflation, longevity, healthcare costs, and market volatility
Integrates charitable giving or family support in a tax-smart way
Pro Tip: Most people aren’t aware of the many strategic moves that can be made between the ages of 45–60—years when you have the most flexibility and opportunity. As a Retirement Income Certified Professional®, I help clients understand those options and implement strategies that protect and grow what they’ve worked hard to build.
Step 3: Define and Protect Your Legacy
Legacy isn't just about leaving money—it's about passing on values, lessons, and love.
Start by reviewing or creating:
A will and power of attorney
A healthcare proxy
Beneficiary designations across all accounts
A legacy letter or ethical will, expressing personal messages or wishes
For many women, this step offers peace of mind—knowing your wishes will be honored and your loved ones will be supported. It’s also an opportunity to model empowerment and stewardship for future generations.
Pro Tip: If you haven’t reviewed your estate plan in the last 5 years (or since a major life event), now is the time.
Final Thoughts
You’ve spent years caring for others. Now it’s your turn to design a future that reflects your dreams and values. With the right planning, you can enjoy your wealth today and make a meaningful impact tomorrow.
If you’re ready to take the next step, I invite you to schedule a conversation. Together, we’ll build a roadmap that supports your security, confidence, and joy.
Let’s talk about your future—because it’s time to put you first.