Navigating the Great Wealth Transfer

According to the Cerulli Associates projections, an estimated $105 trillion will change hands by 2048, with women set to receive a substantial share through inheritances and interspousal transfers.

Women are already inheriting from their parents, and with longer life expectancies, many will assume full control of household wealth after their spouses pass, including nearly $40 trillion in interspousal transfers for Baby Boomer women.

U.S. women inheriting wealth — defined as including those receiving from at least one parental or spousal transfer — are on track to control nearly 40% of total U.S. wealth in just five short years, which marks a notable increase driven by the great wealth transfer, with 60% of women expecting to inherit but feeling unprepared to manage it.

Key Challenges:

• The cumulative number of women facing wealth transfer challenges grew significantly, with nearly 80 percent encountering difficulties in navigating the process, including a lack of prior communication (33 % had no conversations) and estate plans (40 % inherited without any).

• 2025 is especially noteworthy for women navigating wealth transfers, with the report emphasizing the need for proactive education and tools to address surprises like taxes (over 50 percent uncovered financial shocks) and emotional impacts like guilt or family conflicts.

The Avestix Fortuna EMPOwerture Solution

Avestix Fortuna EMPOwerture addresses these challenges by empowering women with accessible financial education and tools to prepare for wealth transfer.

Through voice-guided AI lessons, Fortuna breaks down complex topics like inheritance planning, tax strategies, and asset management in plain English—no jargon.

For women feeling unprepared (60%), it offers modules on identifying inheritance components, understanding taxes, and handling emotional impacts like guilt or family conflicts.

AI connects users to trusted financial advisors and planners, ranked for proven results, ensuring personalized guidance to navigate difficulties (80%) like lack of communication or estate plans.