Advice for Women
Helping women build confidence, wealth and financial independence.
Women often face financial challenges that aren't talked about enough.
Career breaks, part-time working, the gender pay gap, caring responsibilities and longer life expectancy can all have a significant impact on long-term wealth and retirement planning. Yet many financial plans are still built around assumptions that don't reflect women's lives.
At Luma, we believe financial advice should be personal. Whether you're building your career, starting a family, returning to work, approaching retirement or navigating life on your own, we'll help you create a plan that gives you confidence about the future.
Why financial planning matters for women
Research consistently shows that women retire with significantly less pension wealth than men.
This isn't because women make poor financial decisions. It's because life often looks different.
Women are more likely to:
Take career breaks to raise children.
Reduce working hours to care for family.
Experience lower lifetime earnings.
Receive smaller employer pension contributions.
Live longer, meaning retirement savings often need to last longer.
These factors combine over decades, creating what is often called the gender wealth gap.
For example:
Women aged 55-64 typically have around 46% less pension wealth than men.
Women are more likely to spend time out of the workplace due to caring responsibilities.
Many women also miss years of investment growth during career breaks, making it harder for savings to recover later in life.
The good news is that small decisions made early can make a remarkable difference over time.
Helping you plan for what’s next
Some of the typical things we help women with:
Building a retirement plan that reflects your life
Whether you've taken career breaks already or are planning a family in the future, we'll help you understand the long-term impact and create a strategy to stay on track.
Making the most of pensions
We'll help you maximise workplace pensions, personal pensions and tax relief, ensuring you aren't missing valuable opportunities to grow your retirement savings.
Investing with confidence
Successful investing isn't about taking unnecessary risks. It's about having a clear strategy, understanding your options and allowing time to work in your favour.
Planning around maternity and career breaks
A temporary break from work doesn't have to mean permanently falling behind. We can help you plan pension contributions, savings and investments before, during and after career breaks.
Making work bonuses and pay rises work harder
Higher earnings can create opportunities to save tax, increase pension contributions and build long-term wealth rather than simply paying more tax.
Financial independence
Whether you're single, married, divorced or widowed, we'll help you build financial security that's based on your goals - not someone else's.
Build your Financial Blueprint
We map your income, savings, assets and goals year-by-year to give you a clear visual of your financial future.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
Please note that it is not possible to invest directly in property through SJP.
Advice designed around your journey
There isn't one financial journey that fits every woman.
Some clients come to us before starting a family. Others want help after years of focusing on everyone else. Some are navigating divorce, inheritance or the loss of a partner. Others simply want reassurance that they're making the right financial decisions.
Whatever stage you're at, our role is to help you understand your options, make informed decisions and feel confident about your future.
Why Luma?
People who understand your journey
Half of our advisers are women, creating an environment where clients feel comfortable asking questions, having open conversations and making confident financial decisions.
Financial advice without the jargon
We explain complex financial decisions in plain English so you can make informed choices with confidence.
Planning for real life
Your financial plan should evolve as your career, family and priorities change, not stay fixed in time.
Long-term relationships
We work alongside our clients for years, helping them adapt to life's opportunities and challenges as they arise.
Understanding the Gender Wealth Gap
Women typically retire with 46% less pension wealth* than men
Around 60–80% of unpaid care is still provided by women.
Women are more likely to work part-time during their careers.
Even a five-year career break can significantly reduce retirement wealth unless contributions are planned around.
The gap isn't inevitable.
With early planning, consistent investing and making the most of pensions and tax allowances, it's possible to significantly reduce the impact of career breaks and build long-term financial independence.
*Source: Interactive Investor/ONS
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Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
