When Workplace Progress Stalls, Women’s Wealth Pays the Price
Written By: Deborah Cartisser McKinsey & Company’s newly released Women in the Workplace 2025 report paints a clear and concerning picture. For the first time in a decade, progress for women has stalled. They found promotions are declining, sponsorship is shrinking and access to high-growth roles is narrowing. And while these are workplace challenges, the […]
Create Your Legacy: Lead with Intention, Plan with Purpose
When you hear the word legacy, you might picture something far off in the future, a will, a large estate, or a gift passed down after you’re gone. But the truth is, legacy isn’t distant or reserved for the wealthy. Legacy is something you create every day, with every choice you make, every value you model, […]
Long-Term Care Insurance: The Safety Net Every Woman Deserves
Most of us imagine growing older surrounded by family and enjoying the rewards of a life well-lived. But few of us picture what might happen if we needed help with everyday activities, like bathing, dressing, or preparing meals, for an extended period of time. The truth is, living a long life is almost certain; planning […]
Simplifying Long Term Care Insurance
Written By: Barbara Maietta, CFP® & Linda Thalheimer CLTC, RICP, LIA “Don’t complain about growing old, it is a privilege denied to many” – Mark Twain What is Long-term Care? Long-term care refers to help with daily living for people who can’t fully care for themselves. Long Term Care is defined as requiring assistance with […]
No More “I’m Fine”, Making Mental Health a Priority
Written By: Alannah DiBona, Executive Director at WindHorse Counseling & Barbara Maietta CFP® Women today often carry multiple responsibilities, professional, family, and personal. Many juggle careers, parenting, caregiving, managing a household, and nurturing relationships. The effort to keep everything balanced can feel overwhelming, and the pressure to “do it all” often leads to stress and exhaustion. […]
Conversations About Money: Becoming Involved in Your Finances
Some couples start out with both people fully participating in their finances, and others have a division of labor in which one person is in charge of the finances. There may come a day when you realize you want to take a more active role in your finances. It’s not about distrust or lack of […]
Planning for a Strong, Independent Future: A Guide for Women Aging Solo
Aging alone doesn’t have to mean aging unsupported. For women navigating life independently—whether single, divorced, widowed, or simply without nearby family—creating a thoughtful plan is one of the most empowering things you can do for yourself. More and more women are aging solo. In fact, nearly one in five adults over 65 are considered “solo […]
The Great Wealth Transfer: How Women Can Prepare Emotionally and Logistically
We are on the edge of the largest generational wealth transfer in history and women are poised to inherit a substantial portion of it. Yet according to UBS’s recent survey, most women aren’t ready. The numbers tell a sobering story: These aren’t just sobering statistics. They represent moments of stress and overwhelm—often layered on top […]
Launching Financially Fit Kids: A Parent’s Guide to Building Confident, Capable Young Adults
As parents, we spend years preparing our children for academic success, social development, and personal growth—but how prepared are they to face the financial realities of adulthood? At Twelve Points, we understand that launching financially fit kids requires more than a piggy bank and well-meaning advice. It takes thoughtful guidance, open communication, and a willingness […]
Helping Women Discover Their Passion
Midlife can be a powerful turning point—a chance to pause, reflect, and rediscover a sense of purpose. This is a chance for women to revisit the dreams they’d once shelved, reevaluate their strengths, and explore how they might use the “second half” of their lives not just to rest but to flourish. By leaning into […]
Conversations About Money: The Place to Start, Setting Goals
Written by: Deborah Cartisser Let’s Begin with a Question When was the last time you really sat down and asked yourself, “What do I want my life to look like and how is my money helping me get there?” Most of us think of financial goals as tasks or numbers to check off. But real financial […]
A Woman’s Guide to Retirement Planning: Strategies for Saving and Investing
It’s easy to be tempted to push off preparing for retirement until tomorrow. But for women, starting as early as possible is critical to maximizing your savings. When it comes to saving, women typically face unique challenges that require additional planning. By taking a strategic and long-term approach to your retirement savings, you can set […]