Financial Planning for Women
Financial Advisor for Women in Denver
Your financial journey is uniquely yours. Whether you are advancing your career, raising a family, navigating a life transition, or planning for retirement, our credentialed team is here to help you chart a confident course. With female advisors who understand these considerations firsthand, we bring clarity to the decisions that shape your financial future.
Schedule a ConsultationWhy It Matters
Why Women in Denver Benefit from Specialized Financial Planning
A financial advisor for women in Denver helps female professionals, business owners, mothers, and retirees navigate financial decisions shaped by longer life expectancy, career interruptions for caregiving, and a persistent retirement savings gap. These factors can affect everything from investment time horizons to insurance needs to estate planning priorities. Our team at The Stellarix Group offers holistic, fee-based financial planning with credentialed female advisors who bring both professional expertise and personal understanding to these conversations.
81.4 yrs
Women's life expectancy at birth in 2024, versus 76.5 years for men, a 4.9-year gap
77 cents
Median wealth held by women age 50+ per dollar held by men ($165,691 vs $213,948)
$171,000
Projected average lifetime long-term care costs for women after age 65, versus $98,000 for men
Statistics are descriptive and do not constitute investment, tax, insurance, or financial advice. Individual circumstances vary.
What We Address
Key Planning Areas for Women
Women's financial lives often span multiple roles and transitions. Our planning process is designed to address each phase with strategies that may help you stay on track, while acknowledging that every situation carries its own trade-offs and risks.
Career Transitions and Earnings
Whether negotiating a salary increase, evaluating stock options, or launching a business, we help coordinate investment management and tax-aware strategies. Career shifts can create both opportunities and income volatility, so planning addresses both sides.
Family Planning and Education Funding
From budgeting for childcare to saving for education, we help balance near-term family expenses with long-term retirement contributions. Time out of the workforce for caregiving can affect savings, Social Security, and pension benefits, and our planning accounts for those gaps.
Divorce and Widowhood Recovery
Asset division, updating beneficiary designations, and rebuilding a single-income household all require careful coordination. We work alongside attorneys and CPAs to help address the financial dimensions of major life transitions, recognizing that outcomes depend on individual circumstances.
Retirement Income and Savings Gaps
Among adults age 50+, women's median retirement account balance was $92,919 compared with $155,861 for men, according to the U.S. Dept. of Labor (January 2025). Our retirement planning strategies seek to address this gap while accounting for longer life expectancy.
Long-Term Care Planning
Women's projected lifetime long-term care costs average $171,000 versus $98,000 for men (Milliman, January 2026). Our risk management and insurance planning addresses this exposure, though coverage options and costs vary by individual health and age.
Estate Planning and Legacy
Trusts, beneficiary designations, and charitable giving strategies can be tailored to women's goals and family structures. Our estate planning coordination works with partner attorneys and the MassMutual Trust Company, while acknowledging that legal outcomes depend on jurisdiction and individual circumstances.
The Numbers Behind the Gap
Understanding the Retirement Savings Gap
Women often enter retirement with less savings than men, yet need those assets to last longer. According to the Transamerica Institute (November 2025), women workers' median total household retirement savings were $56,000 compared with $92,000 for men, and 22% of women had less than $10,000 or nothing saved. Among women age 50+ with retirement accounts, the median balance was $92,919 versus $155,861 for men, per the U.S. Dept. of Labor (January 2025).
Our planning process seeks to address these gaps through structured savings strategies, tax-aware withdrawal planning, and Social Security optimization. However, results depend on individual circumstances, and no strategy can eliminate market risk or guarantee specific outcomes.
20.8 yrs
Additional expected years of life at age 65 for women, versus 18.4 for men
14%
Of women projected to need paid long-term care for five or more years, versus 6% of men
$56,000
Women's median household retirement savings, versus $92,000 for men
Sources: CDC/NCHS, Milliman, Transamerica Institute
Our Team
Meet Our Female Advisors
The Stellarix Group includes several credentialed female advisors whose designations span financial planning, investment management, special needs planning, and long-term care. Their expertise reflects the firm's commitment to serving clients with depth and understanding across every area of the financial picture.
Haley Gray, CFP®, AIF®
Financial Advisor
Holds the Certified Financial Planner™ and Accredited Investment Fiduciary® designations, bringing structured planning and investment oversight to client relationships.
Melissa Lang, CLU, ChSNC, CLTC
Financial Advisor
Specializes in life insurance, special needs planning, and long-term care planning. Her ChSNC designation reflects expertise in serving families with special-needs dependents.
Mary Swenson, MBA
Head of Advisor Services
Leads advisor services with a focus on operational excellence and client experience, ensuring that planning recommendations are implemented thoroughly and consistently.
Mollie Lehman, MBA
Financial Advisor
Brings advanced business education to financial planning conversations, helping clients connect personal financial decisions to broader household and business goals.
Martha Lewis
Financial Advisor
Works with clients across Denver and nationwide, helping women and families build comprehensive plans that reflect their unique priorities and circumstances.
Laura Olmedo
Financial Advisor
Serves clients with a holistic approach, coordinating investments, insurance, and estate considerations into one unified plan tailored to each client's life stage.
View our full team on the
Life Events Major life transitions can reshape a woman's financial picture overnight. A 2025 Legal & General study found that women's income fell by 50% in the year following divorce, compared with a 30% decline for men. Among women age 50+, formerly married women held median wealth of $104,355 versus $219,782 for currently married women, according to the U.S. Dept. of Labor (January 2025). Whether you are dividing assets, updating an estate plan after losing a spouse, or restructuring finances after a career change, our team helps coordinate the moving parts. We work alongside attorneys and CPAs to address tax implications, beneficiary updates, and income planning, while recognizing that each situation presents unique challenges and trade-offs.Navigating Divorce, Widowhood, and Career Change
Planning Considerations After a Transition
Our Process
How We Approach Women's Financial Planning
Our planning process is built to meet you where you are, whether you are just starting to think seriously about your financial future or managing a complex portfolio across multiple accounts and generations.
Discovery and Listening
We start by understanding your history, goals, and concerns. Every woman's financial journey is shaped by distinct experiences, from career interruptions to family responsibilities, and our discovery process is designed to surface those details so your plan reflects your real life.
Comprehensive Plan Development
We build a holistic plan covering investments, taxes, insurance, estate considerations, and retirement income. For women, this often includes addressing the retirement savings gap, planning for longer life expectancy, and ensuring adequate long-term care coverage.
Implementation and Coordination
We coordinate with attorneys, CPAs, and other professionals to implement recommendations. As a fee-based firm backed by the resources of MassMutual and MML Investors Services, we can draw on a broad network of capabilities while maintaining a client-centered approach.
Ongoing Guidance and Adjustment
Life evolves, and your plan should too. We provide ongoing reviews and adjustments as your circumstances change, whether that means a new career chapter, a growing family, or the transition into retirement. Market conditions, tax law changes, and personal milestones all warrant revisiting your strategy.
Common Questions
Frequently Asked Questions
What Is a Normal Fee for a Financial Advisor?
Fees vary by firm, service scope, and client complexity. The Stellarix Group is fee-based, meaning financial planning and advisory services are offered through MML Investors Services, LLC (MassMutual), and insurance services are also available. Specific fee structures are discussed during a consultation so you can understand costs before committing.
Is It Really Worth It to Have a Financial Advisor?
A financial advisor may help you identify planning gaps, coordinate across tax, insurance, and estate domains, and build a structured plan aligned with your goals. For women managing career transitions, family responsibilities, or retirement planning, professional guidance can provide clarity and organization. However, results depend on individual circumstances, and no advisor can guarantee specific outcomes.
What Is a Red Flag for a Financial Advisor?
Warning signs include pressure to purchase specific products without understanding your full financial picture, lack of transparency about compensation, and reluctance to discuss fiduciary obligations. A trustworthy advisor should be willing to explain how they are compensated, discuss potential conflicts of interest, and take time to understand your unique situation before making recommendations.
When Not to Use a Financial Advisor?
If your finances are straightforward and you feel confident managing them independently, you may not need an advisor. However, as financial lives become more complex through career growth, family changes, business ownership, or approaching retirement, professional coordination across investment, tax, insurance, and estate domains may become valuable. The decision depends on your comfort level and the complexity of your situation.
Can Your Female Advisors Serve Clients Outside Denver?
Yes. The Stellarix Group is based in Denver, Colorado, and serves clients in all 50 states. Whether you are in the Denver metro area or elsewhere, our female advisors and the broader team are available to work with you. Our Denver financial advisor hub page provides more details about our service areas.
Do You Only Work with Women?
No. While this page addresses planning considerations that are particularly relevant to women, our team serves individuals, families, and business owners of all backgrounds. Our female advisors work with clients across many demographics, and the firm's holistic planning approach applies equally to retirees, business owners, and multi-generational families.
Your Next Step
One Star to Guide the Way
Whether you are planning for a career milestone, adjusting after a life transition, or preparing for a retirement that may last decades longer, our credentialed female advisors are here to help you navigate with confidence. Schedule a consultation to begin building a plan that reflects your goals, your values, and your future.
2000 S Colorado Blvd, Tower 2, Ste 800, Denver, CO 80222