Women Are About To Inherit $30 Trillion in ‘Great Wealth Transfer' — How To Prepare for Your Windfall
American women are poised to inherit $30 trillion in wealth in the next 10 years in what experts are calling the Great Wealth Transfer, already in progress. Much of this money will be passed generationally, and a significant amount will move from men to their wives, according to The Rising Wealth of Women, a Bank of America Institute report published last year. Although this transfer is narrowing wealth disparities between women and men, the study found that women are still less confident in their ability to manage a financial windfall.
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A recent survey from Citizens Bank found 66% of Gen Z women and 50% of millennial women said they'd delayed actively managing their wealth because they lacked confidence or didn't know how to do it, and just 16% felt completely confident in their ability to manage an inheritance.
Keep reading to learn how to take control of your money and prepare for your eventual windfall.
The vast majority of women who've already inherited money from their parents or their husbands felt unprepared. Global wealth manager UBS noted in its May Own Your Worth report that 40% of women who inherited from their parents had done so with no wealth-transfer or estate plan in place. Widowed women faced similar predicaments, with 25% not even knowing where their husbands' wealth was.
At the very least, know what assets your family has, where they're held and how they'll pass on to you. Tax planning is also important, according to 87% of the inheritance recipients surveyed by UBS.
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Defining your short-term and long-term goals in writing gives you a blueprint to guide your financial decisions now and after you've received your inheritance. These priorities might include:
Building an emergency fund
Saving for retirement
Paying off debt
Starting a business
Saving for your kids' education
Buying a home
Planning your own estate
It's never too early to start working toward your financial goals. A budget is the best way to do it. In addition to eliminating waste, it gets you in the habit of spending mindfully and deliberately. That accountability is the key to financial health, and it'll give you more choices when it comes time to decide how to use your inherited funds.
A high percentage of women have never had their own investment account — and those who do invest do so more conservatively compared to men. Bank of America found that they allocate smaller percentages of their portfolios to stocks, for example, and are less likely to invest in risky assets like cryptocurrency.
That's not a bad thing if it aligns with your risk tolerance. But if you're staying out of the market or investing conservatively because you don't feel competent enough to take more risk, make financial education a priority. Many resources are available online. You can find continuing/community ed courses through local colleges and universities.
A certified financial planner (CFP) can help advise you on the best approach to meet your financial goals and help you figure out how your inheritance fits into that plan — and into your own estate plan as well. When the time comes, they can also advise you about the benefits of working with an attorney, tax accountant and/or insurance agent to protect your expanding assets.
It's not unusual to have mixed feelings about planning for an inheritance. After all, it forces you to acknowledge your family members' and your own mortality. But laying the groundwork now can put everyone's minds at ease knowing that you're ready to receive this transfer of wealth and prepare the next generation to receive theirs.
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This article originally appeared on GOBankingRates.com: Women Are About To Inherit $30 Trillion in 'Great Wealth Transfer' — How To Prepare for Your Windfall
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Best contract in 2024-25: Jackson LaCombe Jackson LaCombe is a budding star defenseman. The 24-year-old elite-skating defender was by far the Ducks' best blueliner this season, scoring 14 goals and 43 points (despite the Ducks' awful power play), driving star-like numbers on zone exits and zone entries and finishing with a positive five-on-five goal differential despite playing top-pair minutes on a struggling team. He's entering the final season of a two-year bridge deal he signed last year at a steal of a $925,000 cap hit. Advertisement Frank Vatrano cooled off from the shocking 37-goal breakout he had in 2023-24, but he still delivered 21 goals and 45 points this season. It's the third consecutive season he's hit at least 20 goals, which is nice value for under $4 million. Best contract in 2024-25: Morgan Geekie Playing first-line wing opposite David Pastrnak, Morgan Geekie exploded with 33 goals and 57 points for just $2 million. 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Best contract in 2024-25: Shayne Gostisbehere Shayne Gostisbehere quarterbacked the Hurricanes' top power-play unit and scored the 15th-most points-per-game of all NHL defensemen. Combine that with how decisively he won his even-strength matchups further down the lineup, and you get substantial value for just a $3.2 million AAV. Seth Jarvis was the Hurricanes' best forward this season. He scored at a 36-goal pace and drove elite two-way results at a sub-$7.5 million cap hit. Advertisement Eric Robinson chipped in with 14 goals and 32 points at under $1 million. Jordan Staal and Jordan Martinook were dynamite as always on the Hurricanes' suffocating third line at modest prices each. It speaks volumes about the number of surplus-value contracts the Hurricanes have that Jaccob Slavin, arguably the best shutdown defenseman in the NHL, didn't crack the top five despite owning an ultra-team-friendly $6.39 million AAV. Best contract in 2024-25: Ryan Donato Ryan Donato was the only Blackhawk not on an ELC who significantly outperformed his contract. Donato erupted for a team-high 31 goals at a steal of a $2 million rate. His 23 five-on-five goals were tied for the 12th most in the NHL this season with Leon Draisaitl, Brandon Hagel, Jason Robertson and Rickard Rakell. Best contract in 2024-25: Cale Makar Cale Makar scored a career-high 30 goals and 92 points en route to winning his second Norris Trophy. He played at the level of a $14.8 million defenseman, according to Dom's Net Rating model, which is a far cry from his actual $9 million cap hit. Artturi Lehkonen is an excellent complementary top-six winger, contributing 27 goals in just 69 games on top of stellar defensive results. Logan O'Connor had a down year offensively, but his speed play-driving, elite defensive impact and disruptive penalty killing are worth a lot more than the $1.05 million cap hit he carried in 2024-25. Joel Kiviranta (16 goals at league minimum) and Parker Kelly were effective depth forwards at dirt-cheap prices. Jonathan Drouin (37 points in 43 games at $2.5 million) would have made this list, too, if not for his lack of games played this season. Best contract in 2024-25: Kirill Marchenko The Blue Jackets are in an enviable position, as their top four bang-for-buck players all have multiple years remaining on their current contracts. Kirill Marchenko and Sean Monahan were one of the most lethal first-line duos in the NHL. Marchenko scored 74 points at under $4 million, Monahan eclipsed the point-per-game mark for just $5.5 million, and the Blue Jackets controlled a dominant 57 percent of expected goals and a whopping plus-26 goal differential during their five-on-five minutes together. Advertisement Kent Johnson broke out with 24 goals and 57 points in 68 games — he has two years remaining at $1.8 million annually. Zach Werenski's $9.58 million cap hit seemed hefty when he first signed his deal in 2021, but he's outperformed it by playing at a near-Hart Trophy level, scoring 23 goals and 82 points from the blue line. Best contract in 2024-25: Thomas Harley The Stars had an embarrassment of riches in terms of bargain contracts this season. This top five doesn't even include Wyatt Johnston's ELC, Jake Oettinger's $4 million cap hit this season, or Mikko Rantanen. Thomas Harley is a burgeoning star. The 23-year-old scored 16 goals and 50 points, while also driving play like a bona fide No. 1 defenseman, especially when Miro Heiskanen was injured. Matt Duchene led the Stars with 82 points at a bargain $3 million AAV. Jason Robertson scored 35 goals and 80 points for under $8 million. Esa Lindell is one of the best shutdown defensemen in the NHL and enjoyed a standout year for just a $5.8 million AAV. Evgenii Dadonov scored 20 goals and 40 points at a cheap $2.25 million cap hit. Unfortunately, the bill is coming due for the Stars. Johnston, Oettinger and Rantanen all have massive extensions kicking in next season. Duchene is a pending free agent. Harley and Robertson will need significant raises next summer, too. Best contract in 2024-25: Patrick Kane The lack of bargain contracts on this list is an indictment of the Red Wings' pro scouting. Patrick Kane's 59 points in 72 games for $4 million was solid value, and Lucas Raymond led the team with 80 points at an $8.075 million cap hit that will only look better each year. However, the only major surplus value contributors beyond that were Simon Edvinsson and Marco Kasper on their ELCs. Detroit has assembled some promising young players, but it needs a better return on investment from its veterans to return to the playoffs. Best contract in 2024-25: Leon Draisaitl Leon Draisaitl scored 52 goals and 106 points in just 71 games this season. Most impressively, he did all of that and drove elite two-way results despite being saddled with average wingers for large chunks of the year (Vasily Podkolzin was his most common linemate during the regular season). Draisaitl was named a Hart Trophy finalist during the final year of an $8.5 million AAV contract he originally signed in 2017. Advertisement Evan Bouchard has excelled as the Oilers' No. 1 defenseman at a sub-$4 million cap hit. He's in line for a massive raise this summer. His partner, Mattias Ekholm, is a terrific defensive presence at a reasonable $6 million AAV. Zach Hyman had a down year relative to his extraordinarily high standards, but with 27 goals and strong two-way results, he still delivered plenty of surplus value on his $5.5 million cap hit. Connor Brown has been a bottom-six sparkplug with his speed, tenacity, defensive play and secondary scoring for just $1 million. Corey Perry also deserves a shout-out for scoring 10 goals through 21 playoff games at a dirt-cheap $1.15 million rate. Best contract in 2024-25: Sam Reinhart If this exercise included the playoffs, Sam Bennett would be the slam-dunk answer as the Panthers' best contract this season. Bennett had a productive 25-goal regular season, but like years past, he's evolved into a completely different beast in the playoffs. He's arguably been Florida's best player in this Stanley Cup Final run, scoring 15 goals through 22 games, on top of his usual gamesmanship and physical antics. But if we strictly focus on the regular season, Sam Reinhart gets the nod. Nate Schmidt's surplus value is technically higher than Reinhart's — and there's no denying the former has been an excellent third-pair contributor since January onward — but Schmidt is an example of the model overrating a depth player on an elite team. Reinhart scored 39 goals and 81 points, and finished second in Selke Trophy voting, for just a hair over $8.6 million. What makes the Panthers special is that they seem to get an extra million dollars or two worth of performance from nearly every player on their roster. That includes the back end, where Niko Mikkola, Gustav Forsling, Schmidt and Dmitry Kulikov have been bargains, and it also includes forwards who didn't even crack this top-five list, such as Matthew Tkachuk, Aleksander Barkov and Anton Lundell. Advertisement Best contract in 2024-25: Warren Foegele Jordan Spence is a very talented, effective third-pair defenseman, but his Net Rating is slightly inflated by playing sheltered minutes on a strong team. Warren Foegele was a home-run signing for the Kings. He scored 22 five-on-five goals this season, which led the Kings and ranked top 20 among all NHL players. Foegele didn't produce impressively at even strength; he was a play-driving machine — the Kings controlled over 56 percent of shots and nearly 70 percent of goals during his five-on-five shifts. Adrian Kempe is the Kings' best player. The speedy Swedish sniper scored 35 goals and a team-high 73 points on a steal of a $5.5 million cap hit. On defense, Vladislav Gavrikov was the Kings' best defenseman this season. He was a shutdown force, eating huge minutes and difficult matchups, especially when Drew Doughty was out in the first half of the season. Mikey Anderson performed well relative to his $4.1 million cap hit, too, but he spent a lot of time playing with Gavrikov, and I'd argue the latter was the main driver of that pairing's success. Best contract in 2024-25: Kirill Kaprizov It's a shame injuries cost Kirill Kaprizov half the season because his 50-goal, 112-point pace would have made him a Hart Trophy candidate. He performed at the level of a $14.9 million player this year, according to Dom's model, but is paid only $9 million. Joel Eriksson Ek is a perennially undervalued player. He is an elite shutdown center who can also contribute 25-30 goals offensively for a tidy $5.25 million AAV. He, too, missed significant time with injury. Mats Zuccarello is still producing at a bona fide top-six level (54 points in 69 games) at 37, making just a hair over $4.1 million. Matt Boldy is a blossoming star who drives play and scores at a near point-per-game level. His $7 million AAV is going to look like a steal with each year the cap rises. Advertisement Declan Chisholm is a serviceable depth defenseman, but the model overrates his contributions in sheltered usage. Best contract in 2024-25: Nick Suzuki It's understandable why the Canadiens didn't have many bargain contracts on this list. 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Best contract in 2024-25: Ryan O'Reilly The Predators had a nightmare season, finishing 30th in the NHL standings, with several big-name players failing to live up to their contracts. Ryan O'Reilly was the lone bright spot, scoring 53 points and posting above-average defensive numbers on a modest $4.5 million cap hit. Best contract in 2024-25: Johnathan Kovacevic How many non-ELC defensemen are there in the NHL who can successfully handle top-four minutes on a playoff team for under $1 million? Johnathan Kovacevic unquestionably struggled down the stretch when his usual partner, Jonas Siegenthaler, got hurt, but he provided top-four value for most of the season at a $766,667 cap hit that was literally below the 2024-25 league minimum price. Kovacevic averaged nearly 20 minutes per game on the right side, with the Devils generating more shots, scoring chances and goals than they gave up during his five-on-five shifts. Advertisement The Devils' top-two center punch of Jack Hughes and Nico Hischier is excellent value, too. Hughes was on pace for 92 points before he got hurt, while Hischier scored 35 goals and drove stout defensive results at a tidy $7.25 million cap hit. Siegenthaler enjoyed a crucial bounce-back season. He played excellent, reliable defensive hockey in tough minutes. Stefan Noesen was an effective net-front scorer, especially on the power play, scoring 22 goals at a bargain $2.75 million AAV. Best contract in 2024-25: Simon Holmstrom The Islanders had a trio of younger players who significantly outperformed their contracts, although all of them need new extensions this summer. Simon Holmstrom signed a one-year, $850,000 prove-it deal last summer. He developed into a solid second-line winger this season, scoring 20 goals and 45 points while also providing reliable defense and penalty killing. Noah Dobson had a down year relative to 2023-24 when he played like a star No. 1 defenseman. 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Advertisement Alexis Lafrenière outproduced the $2.325 million AAV from his last bridge deal, but it's hard to celebrate that when his production fell by 11 goals this year. He needs to score a lot more than 17 goals and 45 points to live up to his $7.45 million AAV extension, which kicks in next season. Best contract in 2024-25: Adam Gaudette Adam Gaudette found success after being reunited with Travis Green, his first NHL head coach. He scored 19 goals at the league minimum of $775,000, all while averaging fourth-line minutes. Gaudette was streaky during the regular season, but he stepped up in the playoffs with three points in six games. Shane Pinto scored 21 goals in 70 games and was an above-average two-way driver at center for just a $3.75 million AAV. Drake Batherson had a disappointing playoff, but he was second on the team with 68 points in the regular season despite making under $5 million. Artem Zub is an excellent shutdown defenseman and would be worth considerably more than his $4.6 million cap hit if he could just stay healthy. Best contract in 2024-25: Cam York Cam York isn't a flashy player or a prolific point producer, but he defends well, moves the puck effectively and handles challenging top-four matchups relatively well. He accomplished all of that while in the final year of a bridge deal that paid him just $1.6 million. Bobby Brink broke out with 41 points in 79 games this season. Thirty-five of those points were at five-on-five, which ranked third-best among Flyers players behind only Travis Konecny and Matvei Michkov. The diminutive 23-year-old winger is a solid middle-six talent and has one year left at a bargain $1.5 million AAV. Nick Seeler is underrated outside of Philly. The hard-nosed veteran defender is a heart-and-soul player who drives quality defensive results and consistently wins his even-strength minutes. Advertisement Noah Cates isn't a flashy player, but he's a stout defensive matchup center who also contributed 16 goals and 37 points. Best contract in 2024-25: Rickard Rakell It's incredible how quickly the perception of a player's contract can flip. Last summer, Rakell's $5 million cap hit seemed a bit steep after a down year, during which he slumped to just 15 goals and 37 points in 70 games. Now, that same $5 million AAV looks like a bargain after exploding for 35 goals and 70 points. The dilemma now is whether they should sell high on Rakell this offseason, considering his shooting percentage was well above his career norms and could regress next season. Sidney Crosby, at 37, remarkably finished 10th in league scoring with 91 points. Pittsburgh will face a similar dilemma with Bryan Rust as they do with Rakell. Rust, 33, scored a career-high 31 goals and 65 points in 71 games. He has no trade protection as of July 1 — would the Penguins consider shipping him for a lucrative haul? Matt Grzelcyk was closer to fair value than significantly outperforming his contract. He hit 40 points and was terrific on the power play, but his even-strength performance, especially defensively, was shaky. Best contract in 2024-25: N/A Jake Walman (excellent top-pairing results for just $3.4 million AAV), Mikael Granlund (45 points in 52 games for San Jose at $5 million) and Fabian Zetterlund (17 goals in 64 games at $1.45 million) provided excellent bang for the buck, but they were each sold for strong returns at the deadline, so they didn't qualify for this list. Macklin Celebrini, William Eklund and Will Smith were key drivers for the Sharks' top six on their ELCs. Best contract in 2024-25: Jared McCann The Kraken aren't receiving many efficient contributions from their non-ELC players. Jared McCann is the clear exception, as he led Seattle with 61 points despite only having the ninth-highest AAV on the team. Kaapo Kakko was also a slick midseason acquisition — he found chemistry with Matty Beniers and scored 30 points in 49 games while on a $2.4 million cap hit. Advertisement Best contract in 2024-25: Dylan Holloway Dylan Holloway wasn't just the top contract on the Blues; he was one of the best bang-for-buck performers in the entire NHL. He took off in late November with Jim Montgomery's arrival, scoring 22 goals and 55 points in his last 55 games. He was a terrific play driver due to his pace, energy, forechecking and improved playmaking as well. Holloway is a growing star with another year left at a steal of a $2.29 million cap hit. Philip Broberg, acquired from Edmonton in a corresponding offer sheet, enjoyed a massive breakout season, too. He was a two-way, top-four beast, with the Blues controlling 52 percent of expected goals and outscoring teams by 20 goals during his five-on-five shifts. Robert Thomas is one of the most underrated first-line centers in the NHL, locked up for another six years at a $8.125 million cap hit that is aging beautifully. Thomas ranked third among all players with 45 points in his final 30 games. Colton Parayko is an elite shutdown defenseman but also had an offensive renaissance this season, scoring 16 goals and 36 points in 64 games. Cam Fowler, his partner after a midseason trade, was terrific value for his $4 million AAV, too. Best contract in 2024-25: Brandon Hagel Everybody knows Brandon Hagel is a high-end player, but I don't think enough people are recognizing the superstar level that he played at this season. Hagel was tied for 11th in NHL scoring with 90 points and played Selke-caliber defense on top of that. In a tough matchups role, Hagel drove a dominant 57 percent of scoring chances and a plus-22 goal differential at five-on-five. He was also one of the best penalty killers in the league. He accomplished all of that while making only $6.5 million against the cap. His center, Anthony Cirelli, found a new offensive gear this season, too, scoring 27 goals and 59 points. Advertisement Nikita Kucherov and Victor Hedman are still bona fide stars at team-friendly rates. Best contract in 2024-25: Jake McCabe Jake McCabe and Chris Tanev were lights out together as the Leafs' de facto top pair. They absorbed very difficult matchups against top lines and tons of defensive zone starts, but still decisively won their minutes. The Leafs generated more scoring chances than they surrendered and outscored opponents by 12 goals during the McCabe/Tanev pair's five-on-five shifts, thanks to an incredible 1.83 goals-against-per-60 rate. Both defensemen were excellent value for their contracts, but McCabe's tiny $2 million cap hit (which was reduced because the Blackhawks retained half of his cap hit when traded) netted a bit more surplus value. Bobby McMann's 20 goals were a nice bonus for the Leafs at $1.35 million, although his scoring completely dried up in the playoffs. Pontus Holmberg and Steven Lorentz were useful, defensively oriented depth contributors at dirt-cheap prices. Best contract in 2024-25: Michael Kesselring Utah's right-side defense was hammered in the first half by injuries to Sean Durzi and John Marino. That forced sophomore defenseman Michael Kesselring into an elevated top-four role. Kesselring excelled, with the Mammoth controlling 54 percent of scoring chances and 56 percent of goals during his five-on-five shifts this season. He struggled at times in the second half defensively, but he displayed clear top-four potential for most of the year, which is highly valuable at a $1.4 million cap hit. Barrett Hayton scored a career-high 20 goals and 46 points, in addition to boasting very good defensive metrics, at a bargain $2.65 million AAV. Clayton Keller exploded for 90 points but isn't paid like a bona fide superstar. Advertisement Best contract in 2024-25: Quinn Hughes Quinn Hughes was a one-man show, carrying a weak supporting cast all season. Hughes led the Canucks in scoring by a whopping 26 points as a defenseman, despite missing 14 games because of injuries. Hughes is a bona fide superstar making less than $8 million against the cap for two more seasons. Pius Suter scored 25 goals and 46 points as a key middle-six center. He also defended at an above-average level and was a first-unit fixture on Vancouver's elite penalty kill. He provided that all-around value for just a $1.6 million AAV — he may triple that cap hit in free agency this summer. Kiefer Sherwood broke out with 19 goals and 40 points. Nearly all of that production was at even strength, with Sherwood leading all Vancouver forwards in five-on-five points. He was also a wrecking ball on the forecheck, breaking the NHL's record for most hits in a single season. He was worth more than double the $1.5 million cap hit he carried this season. In the final year of his $1.1 million contract, Nils Höglander still managed to deliver surplus value despite an up-and-down campaign. Höglander had a nightmare first half but was one of Vancouver's best wingers from January onward, especially from a play-driving perspective. Tyler Myers has his flaws, but he was mostly solid again in a second-pair role, outperforming the modest $3 million cap hit he's on. Best contract in 2024-25: Brayden McNabb Brayden McNabb was one of the league's best shutdown defensemen in the regular season at only a $2.85 million cap hit. McNabb impressively suppressed opponents' ability to generate shots and scoring chances despite playing difficult matchup minutes, with the Golden Knights surrendering just 1.79 goals against per 60 during his five-on-five shifts. Advertisement Victor Olofsson injected crucial secondary scoring (15 goals in 56 games) at a dirt-cheap $1.075 million rate. Shea Theodore is a star — he scored a career-high 57 points in 67 games in the final year of a sweetheart contract that cost $5.2 million against the cap. Ivan Barbashev is streaky and didn't produce enough in the playoffs, but he scored a 27-goal, 60-point pace in the regular season. He was a mostly effective top-line winger for Jack Eichel, making a reasonable $5 million. Brett Howden broke out with 23 goals for $1.9 million. Best contract in 2024-25: Aliaksei Protas Aliaksei Protas and Connor McMichael's breakouts helped revitalize the Capitals' top-six forward group. Protas went from not even cracking 10 goals in 2023-24 to scoring 30 in 76 games this season. He also significantly boosted the Caps' ability to control two-way play. With another four years left at a $3.375 million cap hit, Protas is on one of the best contracts in the NHL. McMichael, meanwhile, was a game-breaking offensive driver with his speed and skill. He piled up 26 goals and 57 points despite not even playing on the Caps' top power-play unit, at a steal of a $2.1 million AAV. Tom Wilson turned back the clock, scoring 33 goals and 65 points while also driving strong defensive results in a tough matchups role. Nic Dowd is one of the most underrated bottom-six centers in the NHL. He's elite defensively and on the penalty kill and chipped in with 14 goals. Jakob Chychrun also narrowly missed the cut for this list. He was a home-run acquisition, scoring 20 goals from the blue line at a bargain $4.6 million cap hit. Best contract in 2024-25: Dylan Samberg The Jets had a near-endless supply of surplus value contracts. Dylan Samberg led the way; he broke out as a top-four star on Winnipeg's blue line. He drove elite defensive results, crushed it on the penalty kill and displayed enough puck-moving and secondary offensive skill to profile like a legitimate No. 2 defenseman on a contending team. Samberg accomplished all of that for just $1.4 million against the cap. Advertisement Josh Morrissey finished fourth in Norris Trophy voting. He still has three years left at a bargain $6.25 million AAV. Up front, Kyle Connor, Gabriel Vilardi and Nikolaj Ehlers represented a trio of terrific contracts in Winnipeg's top six. Connor, in particular, stood out by scoring 97 points at a hair over $7.1 million. (Top photo of Aliaksei Protas and Jordan Martinook: Patrick Smith / Getty Images)
