Life changes can feel overwhelming, especially when they impact your financial future. Whether you’re managing finances after a divorce, running your own business, or taking on financial responsibility for the first time, it’s easy to feel uncertain about what comes next. At Dumitru Flanagan & Associates Private Wealth Management, we help women gain clarity, confidence, and control over their financial journey.
Whether you’re building a company, navigating pension planning, or ensuring long-term financial stability, you don’t have to figure it all out alone. Our financial strategies simplify complex topics like pension separation, estate transfer, and family financial planning, ensuring that your future is built on stability, security, and growth.
Your financial balancing act
Women face unique financial challenges: income gaps, career breaks for caregiving, and a longer life expectancy that demands more savings. If you’ve recently taken on the role of financial decision-maker in your household, you may be asking: Where do I start? How do I ensure my future remains secure?
We offer a structured approach that simplifies estate and pension planning, allowing you to take control of your finances with confidence. Our strategies help you minimize tax, optimize pension transfers, and navigate the complexities of pension sharing and divorce pension sharing with ease.
Financial strategies for business owners and self-employed women
Running your own business brings independence but also a host of financial unknowns. Many women business owners find themselves juggling unpredictable cash flow, tax obligations, and the challenge of saving for retirement without an employer-sponsored plan.
We help business owners make smart financial decisions, ensuring that they build wealth while managing the risks that come with entrepreneurship. From family financial planning to tax reduction strategies, we provide guidance on optimizing savings, planning for business succession, and securing a comfortable retirement.
Managing retirement as a business owner
Many women entrepreneurs focus on growing their businesses but delay personal retirement planning. Without a structured pension plan, it’s crucial to develop a pension planning strategy that ensures financial security beyond your working years.
Understanding pension planning after divorce
Divorce brings emotional upheaval, but it also introduces financial complexity. Suddenly, assets like pensions—which may have seemed abstract before—become central to your financial future. The decisions you make now will shape your financial security for decades.
Our team specializes in divorce pension sharing, pension split strategies, and guiding clients through pension separation. We ensure that your settlement maximizes your financial stability, taking tax implications and long-term growth into account. By carefully structuring pension plans, we help women transitioning into financial independence build a sustainable future.
Overcoming the sandwich generation stress
Many women find themselves stretched thin, supporting aging parents while still providing financial and emotional support to children or grandchildren. This balancing act can feel impossible, especially when your own financial stability is at stake.
Through family financial planning, we help you establish a structure that ensures you can care for your loved ones without compromising your financial well-being.
Widow pensions and financial independence
Losing a spouse is devastating, and the financial impact can be just as overwhelming. Many women who relied on their partner to handle investments, pensions, or retirement planning suddenly find themselves in an unfamiliar and daunting financial landscape.
We specialize in helping women understand widow pensions, ensuring they receive what they’re entitled to while structuring assets for long-term sustainability. From pension transfer strategies to tax reduction opportunities, we work with you to make sense of your new financial reality and build a future that provides confidence and security.