Financial Planning and Investment Management for Women

Our Commitment and Approach for the clients we serve actually does not differ for women and men, but the challenges our clients often face can be specific to gender. Helping you respond to these challenges and create solid financial plans is where we provide special benefits.

Our community-based family firm always aims to be inclusive, and our plans are always tailored to our clients’ unique financial situations. We think of ourselves as financial coaches and are dedicated to educating our clients about the options available to them and about the ever-changing world of investing and  finance. We always focus more on transformative conversations and collaborative action over simply selling a commoditized product. We believe in transparency and share our Service Offerings & Fee Schedule freely.

And although our approach doesn’t change from client to client, the challenges our clients face may be specific to gender. It is no secret that women generally live longer than their male counterparts. Thus, our female clients are often burdened with the grief and financial challenges shared by surviving spouses. With longevity comes the risk of outliving your income in retirement, and the possibility for needing long-term care. Also, women generally (but not always) will face eldercare/caregiving responsibilities at some period in their life—which also needs to be addressed with financial planning.

We want our clients to feel the benefits of financial security, clarity, and confidence and we aim to help them make good financial decisions. Our advisor, Chris Merchant, is a Behaviorial Financial Advisor™ and a Certified Financial Planner™. We take our investment management responsibility very seriously and never outsource to 3rd-party money managers (a trend in the industry). Learn more about our Investment Philosophy and Investment Process.

Want to get started? Schedule your complimentary, no obligation consultation today. Learn more about our FAQ’s here.

2019 Women’s Choice Award®

Financial Advisor

Hunt Country Wealth Management is a proud recipient of the 2019 Women’s Choice Award® for Financial Advisors. 

The Women’s Choice Award is the premier recognition award for advisors who provide quality service to their female clients. Women’s Choice Award® Financial Advisors and Firms represent less than 1% of financial advisors in the U.S. As of February 2016, of the 783 considered for the Women’s Choice Award, 122 were named Women’s Choice Award Financial Advisors/Firms.

women investors

Women comprise nearly two-thirds of the U.S. workforce, and more than half of married women with business-related degrees out-earn their husbands. This is America’s workplace reality. It shatters the outdated image of women as secondary earners and replaces it with a vision of women as high earners and significant investors.1 Women also wield enormous influence as business owners—contributing three trillion dollars annually2. And, there is evidence as well that women are more open to professional advice, 64% of women millionaire investors and 82% of women ultra-high-net-worth investors have sought financial advice3. Sadly though, women as a group are less satisfied than men with the performance of their professionals. Why? According to a 2011 Sullivan Trust Study, women rate financial professionals and firms lower than men in every category of performance. Many of the gaps were significant. Only 49% said their advisor focused on “making them a smarter investor,” compared to 60% of men. And only 57% said their advisors “clearly articulate downside risks of investments,” compared to 66% of men. In addition, more than 70% of married women fire their financial professional within one year of their husbands’ deaths.  Financial advisors need to do better than this—and here at Hunt Country Wealth Management, we do!

1Statistics from US Census Bureau; BCG Study, 2010, Allianz Study, 2008.

2Center for Women’s Business Research, “The Economic Impact of Women-Owned Businesses in the United States.” October 2009

3Spectrum Group, Study of Wealthy Women Investors. June 2011.

Article by BNY Mellon & Pershing “Women Are Not A “Niche” Market.”

 surviving spouses

In our lives, we have seen the effects losing a spouse can have on our families, friends and clients. Coupled with the immense pain the surviving spouse is feeling, they also grapple with feeling unsafe and insecure within their financial lives. Depending on the stage of grief they are experiencing, many of the decisions may also feel overwhelming. Every path is different. We understand, and we focus on being a partner and consultant, encouraging you to take the time needed to make decisions which don’t require immediate action and help you tackle the ones that do. Once ready, we help you move forward with confidence to create, manage and protect your financial goals and future security.

Within our practice, all comprehensive financial plans for couples discuss preemptive planning for surviving spouses, and we provide all clients with a Premier Financial Planning Binder so pertinent financial information is easily accessible by all parties and beneficiaries. For those who are not clients at the onset of widowhood, we will help you retrace financial steps and build clarity. If you or a loved one can benefit from our professional guidance, please contact us today.

divorce Financial Planning

It goes without saying that divorce and separation can be painful. During this time of high emotional turmoil, there is an extensive mix of financial decisions which need to be made. Uniformed and/or emotionally-driven judgements can lead to poor financial choices you may be unhappy with and unable to change. The decisions you make during this process may be amongst some of the most important of your new financial life. The old saying rings true “An ounce of prevention is worth a pound of cure.”

Most people will hire a lawyer to help you navigate legal obstacles, but equally important to a successful separation is working with a financial professional to guide you through the post-Divorce Financial Planning process to secure your assets and get you financially back on track. We have experience guiding clients through this complex financial process, and help in restructuring and retitling your assets after divorce.

Behavioral Finance Coaching

Per Vanguard’s Alpha Study*- Good advice from a financial advisor is worth around 3% in net returns. 1.5% comes from Behavioral Coaching. So half the value a good advisor brings to the table is helping clients to manage their behavior and make better choices. As a certified Behavioral Financial Advisor™, Chris Merchant is trained to help clients make better decisions throughout the financial planning process by aligning the plan with each client’s personal values while helping them achieve their goals along the way. The BFA™ designation integrates concepts of traditional finance, psychology and neuroscience as it relates to personal finance. Behavior Economics has been awarded the Nobel Prize six times since its inception in 1968.

*Source: Bennyhoff CFA, Donald G., & Kinniry Jr. CFA, Francis M. (2016, June). Vanguard Advisors Alpha: Vanguard Research.

Get In Touch

46 S. Loudoun st.

Winchester, VA 22601
+1 540 205 8186

Please Note: We never share your personal information with outside parties.