Financial Planning for Women

Planning for the future and managing wealth is a big undertaking for anyone, but women face unique obstacles. They focus their time, energy, and money in different areas than men, and they need skilled guidance from someone who has experienced and overcome the same concerns. Fortunately, Tammy Hardy is just the person they need.

At Thrive Personal Wealth Strategies (PWS), Tammy is ready to listen to your circumstances, questions, and goals so she can help you achieve stability in all parts of your life. Whether you have recently graduated, married, divorced, or are simply someone who wants to take control of her future, contact Thrive PWS to schedule a consultation about financial planning for women today.

Tammy Understands What’s Important to You

When searching for “female financial advisors near me,” you may find many recommendations where women are on the staff, but fewer where a woman is the leader. When it comes to financial planning for women in Horry County, you want someone who fully recognizes your challenges and how to address them. Let Tammy tell you how she can help in her own words:

“Many of the women who are referred to me are women who have spent, or are spending, their lives building successful careers and raising beautiful families while also being the primary caregivers for their children, or their parents. I find that many have delegated the important element of planning for their futures to spouses or significant others. 

“A life-altering event has now put them in the driver’s seat of a car that they are not equipped to drive. It could be due to a divorce or the death of a spouse, but one thing is similar…they are left feeling confused, anxious and uncertain as to how they should move forward.”

Tammy Can Answer Your Most Pressing Questions About Financial Planning for Women in Conway

In her work as a female financial planner near you, Tammy has found that, no matter the circumstances, women who are divorced or widowed usually have three very important questions:

• Do I have to change my lifestyle?
• Will I run out of money?
• How can I feel more confident and in control?

As an ACCREDITED ASSET MANAGEMENT SPECIALIST™  and a CERTIFIED FINANCIAL PLANNER™, Tammy has found that the best approach for women is one that’s based on their core values and addresses the many concerns they face when it comes to their money. By serving clients like you with honesty, integrity, and skill, Tammy’s tried-and-true process will enhance your experience and allow you to feel more confident. 

Women face different challenges when it comes to preparing for their financial future. It’s important to work with a female financial planner near you who understands those challenges and will build a tailored approach to manage them. At Thrive PWS, Tammy’s mission is to manage your money as if it were her own. 

What’s It Like to Work With a Woman-Focused Financial Planner?

You may have done your own taxes, or you may have a Certified Public Accountant (CPA) on speed dial. Perhaps you have taken a turn at investing some of your IRA or other retirement money in stocks, funds, or bonds. Doing so often takes a lot of research, training, and time to get it right, but between work, family, and hobbies, most of us do not have extra time to spare.

When you partner with Tammy Hardy, you can take advantage of her extensive experience and knowledge as a kind of shortcut to financial success. She can help you understand and avoid potential pitfalls and scams that could endanger your ability to build wealth and financial stability. She also knows what it is like to face a world that is not always as friendly and supportive to women who want to make the most of their efforts.

When you walk into Thrive PWS, you find an accepting, compassionate, and goal-oriented environment. You will find working with a financial professional like Tammy a refreshing and energizing experience, giving you the boost and information you need to begin making moves that benefit you and those you love. If you are a member of the “Sandwich Generation,” handling the needs of both young children and aging parents, she can help you find the balance. 

Managing Your Financial Stability After Divorce

Many women spend most of their marriages handling the home, children, and purchases without ever getting full control of the family’s finances. If you are recently divorced and wondering how to put things in order when you also have fewer resources than before, Tammy can educate you so you leave your financial literacy crisis behind. All it takes is a thorough examination of what you have and where you want to be, in terms of monetary security.

You may need guidance on purchasing health insurance for yourself and your children, saving for college, getting vocational education or retraining, and planning for other big goals. Perhaps you start a small home business that quickly grows, allowing you to support your family, but also bringing even more questions about how to manage taxes and other burdens. Regardless of what you need, Tammy will prepare you to handle whatever comes your way.

Depending on your circumstances, you may need to develop an estate plan to establish your wishes for transferring your assets to your children. Tammy can also advise you on any Social Security benefits you’re entitled to receive, either from your own work history or through your spouse’s holdings. Finally, to prepare against the unthinkable, she can help you assess your life insurance needs and purchase the right policies.

Why You Should Work With a Financial Advisor for Widows After Your Spouse’s Death

Losing your life partner is emotionally devastating, but it does not have to destroy your finances. Tammy provides experienced and certified financial planning for women in Conway who now face life as widows. By collaborating with your estate lawyer, she can help you through the process of filing your spouse’s will in Horry County Probate Court and tending to other critical tasks.

If you are the personal representative for the estate, you have many responsibilities, which can be overwhelming when you are grieving. Tammy will aid you in filing the final tax returns for your loved one, understanding whether capital gains apply if you sell your home, and distributing the estate’s assets according to South Carolina intestacy statutes if your spouse did not leave a will. Along with your CPA and/or your attorney, she can manage many of the complex details on your behalf, meeting with you regularly so you understand what’s happening and how it will impact your life. 

Many women thrive after losing their spouses, taking over family businesses, or remaking their professions. As the pain of losing your partner lessens, you may find it a powerful time to focus your attention on yourself, especially if your children are grown and starting their own lives. By working with Tammy, you can build the resources to concentrate on fulfilling your desires, whether that includes travel, education, work, or grandchildren. 

How Can Female Financial Advisors Near Me Help Me Manage My Wealth?

Perhaps you have built up your holdings, inherited substantial assets, or received a large share of marital wealth after a divorce. If having large sums of money is new for you, you may be unsure of how to manage these funds for the best outcome. With her experience in financial planning for women in Horry County, Tammy can help you develop your skills in many areas, such as:

• Diversifying your holdings
• Allocating your assets
• Investing in your passions
• Following the Business Cycle
• Riding out inflation
• Building a solid financial foundation
• Handling a 7-figure income

Managing money does not have to be mystifying or frustrating when you teach yourself how to steward your finances for your future and that of your loved ones. Too many times, women are taught they should let others take the lead, but that puts us off our guard when those others are gone from our lives. Instead, Tammy can provide the tools and skills you need to empower yourself, bridging the confidence gap and becoming the financial boss you deserve to be. 

Women Have Different Challenges When Facing Retirement and Life After Work

Many of us plan to spend our golden years holding hands with our spouse or partner and walking into the sunset together. Unfortunately, many unexpected changes can put a huge twist on those goals, leaving you as a woman with fewer options and resources than you may have hoped. With Tammy, you have a chance to rebuild and reorient your goals to your own needs for retirement and afterward.

You may have questions about the following:

• Planning for Social Security retirement benefits
• Developing a retirement strategy after life changes
• Starting over in an encore career after retirement
• Maintaining your quality of life
• Preparing your estate plan
• Planning for extended care

You may feel you will never be able to retire, but Tammy can help you take an honest look at your future and work to build a plan that makes the most of what you have. She then works with you to prioritize factors such as rightsizing your home and assets, reviewing your bucket list, and discovering how procrastination can hurt your plans.

A famous quote attributed to Amelia Earhart says, “The most difficult thing is the decision to act. The rest is merely tenacity.” Tammy believes in helping you make the decision to spread your wings and fly high to achieve the best outcome possible.

Tammy Believes in Bringing Women Together to Build Skills and Community

According to the Global Alliance for Banking on Values, women around the world face significant barriers to building wealth and strengthening their communities. Yet, giving women the power they need, through education, wage equality, and government representation, is the single best way to better every system and society. Tammy wholeheartedly supports these same goals.

She has developed a calendar of regular events as one integral part of her process for you and other women clients to educate and build well-being in both your finances and your life. Three such events are: