International Women’s Day falls on Sunday 8 March, followed a week later by Mother’s Day on Sunday 15 March, making this an ideal time to take a moment to reflect on how women really feel about their finances.

While conversations around women’s wealth often focus on the gender pension gap, pension shortfalls are just one part of a much bigger picture.
 
Confidence, earnings patterns, and attitudes to risk also play a role. Whether in isolation or combined, they all have the potential to harm your financial future.

Here are three areas where working with a Titan Financial Planner could help you and women you know take more control.

1. Feeling in control of your financial future

For many women, time is split between work, family, relationships, and day-to-day responsibilities, leaving little space to think about the long term.

According to an FTAdviser report, women are still more likely to manage everyday household spending, such as groceries and bills.
 
So, although many women are adept at managing household finances, focusing on future finances doesn’t often become a top priority on our lengthy to-do lists. [1]
 
There’s also the reality that, on average, women still earn less over their lifetime than men, which could lead to cautionary behaviour, especially around investing. And yet, women typically live longer and may need their money to last longer in retirement too – making investing for potential long-term growth more important, not less.

Positive step change: Thinking about the long-term future doesn’t always come naturally and you may have only vague notions of what you’re looking to achieve. Your Titan Financial Planner will talk to you in detail, learning about what matters to you most before developing a financial plan to help you achieve your goals.

2. Addressing pension gaps 

The gender pension gap remains a significant problem. Time out of the workforce, part-time work, or delayed pension saving can all play a part in reducing the amount women can contribute to their pension savings.
 
The Pensions and Lifetime Savings Association estimates that a comfortable retirement currently costs around £43,900 a year for a single person or £60,600 for a couple. [2]

With retirements often lasting between 25 and 30 years or more, it’s essential to understand whether you’re on track – and the sooner you know your current status, the sooner you can begin to address any shortfall.

Positive step change: You may have more options than you think. For example, you could:

• Review and increase pension contributions where possible
• Make sure you’re taking full advantage of available tax relief
• Check how your pension is invested and whether charges are competitive
• Review your State Pension entitlement and National Insurance record
• Explore whether a partner or family member could make third-party contributions.

Remember, even small changes can add up over time, particularly when you factor in tax relief and the compounding effects of saving over the long term.

3. Building confidence when it comes to investing

If investing feels confusing or intimidating, you’re not alone. In fact, a 2025 survey reported by FTAdviser found that only 33% of women feel confident making investment decisions. [3]
 
If you lack confidence when it comes to saving or investing your money, you may be holding too much cash or taking on too little investment risk. Over time, either one of these could erode your purchasing power and limit your choices in the future.

Positive step change: Investing isn’t about chasing headlines or taking unnecessary risks. It’s about understanding your appetite for risk and what you need from your money, taking a long-term view, and building a diversified portfolio aligned to your goals.

History shows that investing in shares has, over the long term, outperformed cash. The key is having a clear plan and the confidence to stick with it through ups and downs.

Whether you’re planning for retirement, funding your children’s education, or wondering what to do with an inheritance, a Titan Wealth Planner can help you build wealth with confidence. 

Get in touch

If you’d like to explore how financial planning could help you feel more in control of your future, we’re here to help.
 
We’ll take the time to understand what matters most to you and support you in building a clear, long-term plan to help you achieve your goals.

Email [email protected] or call us on 0800 048 0150.

Please note
The information contained in this article is based on the opinion of Titan Wealth Planning and does not constitute financial advice or a recommendation for any investment or retirement strategy.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.
 
The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts. 

The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.
 
Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.