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Financial advice for women
For women building
wealth that lasts
Advice for women who want clarity, confidence and control over their financial future. Whether you are growing your superannuation, planning for retirement or navigating a new chapter, we bring the whole picture together.
The financial picture often looks different for women
The decisions you make in your 40s and 50s carry a long reach. Superannuation, insurance, career transitions and how you invest all compound over the decades that follow. Yet this is often the stage of life with the least time to stop and think clearly about any of it.
The gender pay gap means women typically build less super than men of equivalent experience. Career breaks widen that gap, women live several years longer on average, and many take on full financial responsibility suddenly, after a separation, the loss of a partner or a business transition. None of that reflects effort or capability. It calls for advice built around the way your life actually unfolds.
The good news is there is more flexibility than most people realise, and it is genuinely never too late to make meaningful changes.
$243k
Average super balance for Australian women aged 55 to 59
Compared with around $320k for men of the same age. A gap that builds quietly over a working life, and one that the right strategy can help you close.
Source: Her Wealth, Her Terms, Apt Wealth Partners, 2026.
We start with your life, then build the plan
Your adviser is your personal CFO, here to understand what you want and help you build a clear path to get there, at whatever stage of life you are in. Here is how that works.
1
Start with you
Before we talk numbers, we talk about your life. Your career, your family, the people who depend on you and the future you want. Your goals come first because they shape every decision that follows.
2
Understand where you are
We take a clear look at your super, investments, income and protection, whatever career breaks or life changes have shaped them. No judgement, just an honest picture of where you stand today.
3
Build your roadmap
We turn your goals into a practical plan across the moments that matter to women, from closing the super gap to planning retirement, navigating aged care and the legacy you want to leave.
4
Stay on track together
Whether life brings a new role, a separation, caring for a parent or a change you did not see coming, we stay alongside you, adjusting your plan as your circumstances shift.
Advice for every stage of your financial life
Your adviser is your personal CFO, here to understand what you want and help you build a clear path to get there, at whatever stage of life you are in. Here is how that works.
Plan ahead
Retirement planning
Work out how much you will need, when you can stop and how to draw a tax-effective income that lasts.
Grow your wealth
Superannuation and investments
Make your super work harder, review your investment strategy and catch up on contributions after time out of the workforce.
Protect what matters
Insurance and wealth protection
Protect your income and your family against the unexpected, so an illness or life event does not derail your plans.
Care decisions
Aged care financial planning
Understand your options, including keeping the family home, so you can navigate aged care for a parent or yourself with confidence.
Your legacy
Estate planning
Make sure your wealth passes to the people you choose, in the way you intend, with the right structures in place.
Life change
Divorce financial advice
Take control of your finances through separation and rebuild a plan that is firmly your own.
A windfall
Inheritance financial planning
Make considered decisions about an inheritance so it supports the future you want rather than disappearing into the everyday.
A new chapter
Redundancy financial advice
Understand your entitlements and your options, and turn an unexpected change into a planned next step.
Ongoing partnership
Your Apt adviser service
Personal, ongoing advice across everything above, with one trusted adviser who knows your whole picture.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Sarah Gonzales
Chief Investment Officer, Apt Wealth Partners
Sarah is our Chief Investment Officer, bringing over 10 years of experience in investment research across a wide range of asset classes and in portfolio construction. She is responsible for the portfolio construction solutions our advisers use with their clients, and manages the Apt Wealth Partners Model Portfolios and Separately Managed Accounts.
It means the strategy behind your plan is grounded in rigorous, independent research, then tailored by your adviser to the life you are building.
Advice from women who understand your world
Our women advisers combine deep expertise across superannuation, retirement, investment and wealth protection with a genuine understanding of the financial journeys women navigate. Whatever stage you are at, you will find someone ready to listen first and help you plan with confidence
“
I love the moment a woman realises her financial future is hers to shape. It brings a real sense of clarity and confidence. Good advice should feel supportive and empowering, like having someone in your corner, helping map out the path ahead so you can move forward with certainty and peace of mind.
Michelle HeffernanFinancial Adviser, Apt Wealth Partners
Why I have stayed at Apt
I have chosen to stay at Apt because it is a place where I have consistently felt supported, both professionally and personally. Throughout my career, I have been presented opportunities to develop, take on new challenges, and continue growing, while also having the flexibility I need as a working parent. As a woman, what I appreciate most is seeing leaders genuinely champion women’s careers through their actions, not just their words. The strong culture of trust and support has allowed me to build a rewarding career while balancing family life, and has given me the confidence that I can continue to grow, contribute and succeed at every stage of my life.
Tamara BellucciSenior Financial Adviser, Apt Wealth Partners
What women often ask us
I have had career breaks and time on part-time work. Is it too late to catch up?
Not at all. There is more flexibility in the system than most people realise, including catch-up contribution strategies designed for exactly this situation. Whether you are 45 or already retired, there are almost always meaningful steps available to improve your position.
I have left most of the financial decisions to my partner. Where do I start?
You start with a conversation, and there is no judgement in it. Staying engaged with your financial position is about being aware and prepared, not about distrust. We will help you understand your whole picture so you can make confident decisions, whatever the future holds.
How much does it cost to speak with an adviser?
Your first conversation is confidential and no-obligation, so you can decide whether advice is right for you before committing to anything. If you choose to work with us, your adviser will be clear and upfront about fees from the start.
Do I need a certain amount of money to get financial advice?
Good advice is valuable at every stage, not just once you have built significant wealth. The earlier you start, the more time works in your favour, but it is genuinely never too late to make a meaningful difference to your long-term security.
Can I work with a female adviser?
Yes. We have experienced women advisers across our offices, and we are happy to match you with someone you feel comfortable with. Just let us know your preference when you get in touch.
Reading for your financial journey
Practical guidance on building wealth, planning for retirement and navigating life’s bigger financial moments.
How to build financial confidence: A guide for women who want to take charge
Michelle Heffernan
Jun 05, 2026
There’s one thing that we consistently see lacking in women’s finances. And that’s confidence. Highly capable, intelligent women who completely underestimate themselves. Confidence and knowledge are not the same thing,...
Read more
Closing the retirement savings gap for women
Tracey Pace
May 09, 2025
In Australia today, women are still retiring with around 30% less superannuation than their male counterparts. And while some positive systemic changes are taking place, such as the government introducing...
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Why it’s critical that women stay on top of their finances.
Emily Lanciana
Jul 09, 2018
Women face unique challenges when it comes to finance; factors such as the gender pay gap and increased likelihood of a career break to care for children or elderly parents...
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Explore more on the Apt Wealth Partners blog.
Your future is worth planning for
Book a confidential, no-obligation chat with an Apt adviser. We will listen first, then help you take the next step with clarity and confidence.
Prefer to talk now? Call us on 1800 801 277
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