FAQ
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Common Questions
At Wise Women Prosper, we believe financial planning is a deeply personal journey—one that reflects your values, dreams, and the life you envision for yourself and your loved ones. Our approach is designed especially for women, taking into account the unique financial challenges and opportunities you may face throughout your life.
Financial planning is a thoughtful process that helps you set and achieve your unique financial goals while considering your current situation and future aspirations. It’s about more than just saving and investing; it’s about building a roadmap tailored to your life’s journey. Whether you're planning for a secure retirement, optimizing taxes, managing debt, or ensuring your family’s future through estate planning, we’re here to guide you every step of the way.
At its heart, financial planning is about creating a foundation for financial security, empowering you to make informed decisions that support your short-term and long-term goals. We understand that life is dynamic—career changes, growing families, or shifting economic landscapes are all part of the journey. That's why our planning process is flexible, evolving with you to ensure you remain on track to achieve your dreams.
With Wise Women Prosper, financial planning is not just a blueprint for your success—it’s a pathway to peace of mind and independence, empowering you to live life on your terms with confidence. Together, we’ll create a roadmap that secures your financial well-being while reflecting your values, aspirations, and vision for your future. Let’s embark on this journey together, building a life where you feel empowered, confident, and fully in control of your financial destiny.
Empowering Women and Families Through Every Stage of Life
At Wise Women Prosper, we focus on empowering women and their families by providing financial guidance that meets your unique needs. Our clients are diverse, yet they share a common goal: to achieve financial security and independence while navigating life’s many challenges. We understand that financial planning is not a one-size-fits-all endeavor, especially for women who often juggle multiple roles and responsibilities.
Pre-Retirees and Retirees: Navigating a Secure Retirement
Many of our clients are women who are approaching or already enjoying retirement. These women have worked hard to build their financial security, often balancing careers with caregiving roles for children or aging parents. As they transition from building their nest eggs to preserving them, we provide tailored financial plans that ensure their lifestyle is maintained well into retirement. Our services include optimizing retirement savings, developing effective Social Security strategies, managing healthcare costs, and planning estates with a focus on the specific risks women face, such as longer life spans, widowhood, and the financial impact of losing a spouse. We guide you through this critical phase, helping you move from the accumulation phase to the distribution phase with confidence and peace of mind, ensuring that you can enjoy retirement without the fear of running out of money.
Women and Families in Their Prime Earning Years: Balancing Today and Tomorrow
Another vital part of our client base includes women and their families in their prime earning years. These women are often balancing career demands, family responsibilities, and the need to plan for the future. Our comprehensive approach helps you manage current financial priorities—like budgeting and saving for your children’s education—while also securing your long-term financial goals. We provide strategies for tax-efficient savings, smart investment decisions, and the setup of education funds, all designed to help you achieve financial independence, whether your goal is early retirement, financial freedom, or any other aspiration.
Your Journey, Our Commitment
In all stages of life, our goal is to empower you with the knowledge and tools to make informed decisions that reflect your unique circumstances. We know that life is full of unexpected changes, so we take a proactive and adaptive approach, regularly reviewing and adjusting your financial plan to keep it aligned with your evolving goals and the financial landscape. Whether you’re preparing for retirement or in the midst of your career, we are here to support you every step of the way, helping you achieve greater financial security, independence, and peace of mind.
Absolutely, we do! Our initial conversation serves as a chance for prospective clients to get to know us better, understand our approach and style, and determine if partnering with Wise Women Prosper is the right fit for meeting their specific needs and goals.
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At Wise Women Prosper, we understand that financial success is deeply personal, and we’re here to support you every step of the way. Our services are designed specifically for women and their families who seek a comprehensive and empowering approach to financial planning. We’re not just stockbrokers; we’re your committed partners, helping you achieve your financial goals throughout every stage of your life.
Curious about setting up a trust, balancing retirement savings with funding your children’s education, or optimizing tax deductions? These are just a few of the many questions we help you navigate. Our guidance is both strategic and supportive, ensuring that you have the tools and confidence to make informed decisions.
Our Approach:
- Accountability: We hold you accountable, ensuring you stay committed to your financial goals.
- Adaptability: We keep you on track and adjust your plan as needed, recognizing that life is dynamic and your financial strategy should be too.
- Progress Measurement: We regularly measure your progress, celebrating your successes and addressing any challenges that arise.
Your financial plan is more than just a document—it’s your personalized roadmap to living the life you envision. We take that responsibility seriously, guiding you to take the necessary steps at the right time. With Wise Women Prosper by your side, you can feel confident that your financial future is in capable and caring hands.
We can serve clients in all 50 states.
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At Wise Women Prosper, we’ve crafted a compensation structure that is transparent, fair, and aligned with your financial well-being. We understand that as women, you often juggle multiple roles—whether it’s managing a career, caring for family, or planning for the future. That’s why our fee structure is designed to support your unique needs and give you confidence in your financial journey.
- Assets Under Management Fee:
We charge an annual fee based on the total value of the investments we manage for you. This fee structure aligns our interests with yours—when your investments grow, so does our compensation. This approach is particularly beneficial for women who are focused on long-term growth and security. It ensures that we’re continuously motivated to help you achieve financial success. - Annuity and Life Insurance Solutions:
If we recommend an annuity or life insurance product, our compensation comes directly from the company offering the solution. As fiduciary advisors, our commitment is to present you with the best options tailored to your needs, even if it results in lower compensation for us. This is especially important for women, who often face unique financial challenges like longer life expectancy and potential widowhood. We’re here to make sure you’re protected and secure, without any hidden agendas. - Client Referrals:
Referrals from satisfied clients are the cornerstone of how we grow our community. When you recommend us to your friends and family, it’s a testament to the trust and confidence you have in us. This word-of-mouth growth is particularly powerful because it’s rooted in shared experiences and the genuine relationships we build with our clients—many of whom are women like you, striving for financial independence and peace of mind. - Financial Planning Fee:
In some cases, we may agree to a financial planning fee instead of our standard compensation methods. This fee is based on the complexity of the services you require, such as tax planning, legacy planning, or business exit planning. This option provides flexibility for women who may have specific needs or goals that require a more tailored approach.
Why Our Fee Structure Works for Women
Our fee structure is designed to be as flexible and supportive as possible, recognizing that women often have unique financial journeys. Whether you’re planning for retirement after a career break, balancing caregiving responsibilities with financial goals, or seeking to build a legacy for your family, our compensation model ensures that our advice is always in your best interest. We’re here to empower you with the knowledge, resources, and support you need to make confident financial decisions.
When you schedule your free initial consultation, we’ll walk you through our fee structure in detail, ensuring you have a clear understanding of the costs and how they align with your goals. We want you to feel empowered and informed as we begin our partnership, knowing that our success is directly tied to yours. Your financial well-being is our priority, and we’re committed to helping you achieve it with transparency, trust, and care.
Being a fiduciary financial advisor is a commitment to the highest standard of ethical and legal responsibility when managing a client's finances. It means putting the client's best interests first, always. Fiduciary advisors are legally bound to act in a manner that prioritizes the client's financial well-being, even if it means foregoing personal gains. This involves providing transparent, unbiased advice, making recommendations that align with the client's goals and risk tolerance, and diligently avoiding any conflicts of interest.
Fiduciary advisors must also provide ongoing monitoring of their client's investments and financial plans to ensure they remain suitable and appropriate over time. This duty of care extends to all aspects of financial planning, from retirement and investment strategies to risk management. In essence, being a fiduciary financial advisor means building a relationship of trust and integrity with clients, where their financial welfare is the foremost concern, and every decision is made with their best interests at heart.
To learn more about what it means to be a fiduciary advisor, read an article I wrote that delves deeper into these principles and practices.
Non-captive fiduciary advisors prioritize transparency and objectivity in their recommendations, putting the client's financial well-being at the forefront. They are ethically bound to act in the client's best interest, even if it means recommending products or strategies that may not provide them with the highest commission. This commitment to impartiality and unwavering loyalty to the client's financial goals sets non-captive fiduciary advisors apart, fostering trust and confidence in the advisory relationship. Ultimately, their mission is to empower clients to make informed decisions that align with their unique financial objectives, free from any conflicts of interest or undue external influence.
Veronica Aguilera, the founder of Wise Women Prosper, leads a collaborative team effort alongside her partners, David and Ashley Lundberg, to deliver comprehensive services. They support each other seamlessly, ensuring that client needs are met even during periods of vacations or work-related absences.
At Wise Women Prosper, all investment accounts are housed at Fidelity, providing you with 24-hour online access to monitor your accounts and view all financial plans created for you. Additionally, you can utilize Fidelity's customer service phone number for any assistance you may need.
Wise Women Prosper is franchised under Foundations, a Registered Investment Advisor headquartered in Phoenix, Arizona. Foundations was recently rated the #4 RIA in the country by USA Today (April 2024) with more than $3 billion in Assets Under Management.
Furthermore, Veronica maintains a business succession plan, which she routinely reviews and updates. If you would like to learn more about this plan, please feel free to reach out for additional information. Your peace of mind is our priority, and we are here to address any questions or concerns you may have.
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