Own your worth

How women can break the cycle of abdication and take control of their wealth

Two major trends are profoundly impacting women. One, women are living longer—longer than men.1 Two, nearly half of marriages are likely to end in divorce, with rates rising among couples over 50.2,3 Inevitably, eight out of 10 women will end up solely responsible for their financial well-being.

The women behind the statistics have lessons to share.

We surveyed hundreds of divorcees and widows about the financial challenges they faced once they were on their own, and what advice they have for other women.

Get a more detailed look at the findings

What we found was alarming

of married women leave key financial decisions to their husband

of widows and divorcees find at least one financial surprise

regret not being more involved in key financial decisions when they were married

Millennials are perpetuating—not transforming—the status quo

It’s not getting better. In fact, just the opposite. 61% of Millennial women leave financial decisions to their partner compared with only 54% of women from older generations.

Advice from women who have been there


encourage other women to take a more active role in finances


would have done fewer chores to find more time for finances

3 actions to take now

Own your worth

Know where you stand today and what you want for the future

Take the time to add up your assets and your liabilities, like loans, credit and other debts, and ask for full transparency from your partner.

Ask yourself a series of questions to help frame your needs

  • What do you want to accomplish in your life?
  • Who are the people who matter most to you?
  • What do you want your legacy to be?
  • What are your main concerns?
  • How do you plan to achieve your life’s vision?

Then think about your wealth along three key dimensions:

Liquidity—to provide cash flow for short-term expenses. Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

Find your voice

Start the conversation with your partner

Talking about money is considered taboo to some couples. But ask yourself, if you found yourself alone tomorrow, do you know what first steps you’d take to make sure you’re financially secure? Even if you’re single, there’s a tremendous benefit to having open communication with a trusted confidante or Financial Advisor.

Set an example

Set an example

Women are repeating the gender roles they saw growing up. Set an example of financial partnership for the younger generation.

Hear what women have to say

Our own Paula Polito shines a spotlight on women and wealth

Tina Brown breaks it down: “How to turn the tide” 2-part interview series

Why widow Kathleen Volk Miller believes planning is so critical

How Marilyn Skony Stamm took charge of her financial future after the loss of her husband

Hear how Karen Bigman, founder of The Divorcierge, helps divorcees

UBS On-Air: ”Women & Finance: Does gender really matter when investing?“

Savvy women, smart investors

Like mother, like daughter


Are you ready to own your worth?
Connect with your UBS Financial Advisor or find one.