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adults enjoying champagne on a yacht

Life Cycle of a WIG (Wealthy Independent Gal)

As predictable as the seasons of the year, so are the seasons of a WIG – a Wealthy Independent Gal. At Well Lived Wealth, our clients tell us this common story of their life with all too frequent regularity. If I had a nickel for every time I’ve heard this tale of woe and redemption... Do you recognize yourself in any of these stages? Behold, the life cycle of the WIG.

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Happy couple in a field

Can high-net-worth single women find love?

Recently a client, Susan, sat in my office, bewildered. She’d been divorced for five years, and built an incredibly successful business, and loves the family she built with her two tween daughters. She’s upbeat, fun to be around, can talk about world affairs and sports — and happens to be stunningly beautiful.

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Mom and kids on the beach

Can affluent moms give their children all the privileges of their money, without raising spoiled brats?

Admit it: Sometimes it is tempting to toss money at a parenting challenge to make it go away. Sick of yelling at the kids to do chores? A cleaning service is not hard to find, and easily affordable. Tired of nagging your teen to earn her own spending money? It’s tempting to just hand over your credit card for school shopping.

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three children on red tricycle

Mom Doesn’t Want Her Children to Fight Over the Red Tricycle—Advice for the Peacekeeping During Inheritance Talks

She’s elegant. She’s wise. She’s Queen Elizabeth mixed with a hint of Princess Margaret’s fun. She has everything she ever wanted and is past the point of wanting more. She wants to leave her substantial wealth to her adult children. They get along now, but she wants to ensure that after she is gone that the kids will not fight over the red tricycle.

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Molly has spoken extensively in the media and to live groups.



  • WealthySingleMommy.com: How to prepare for a divorce: An ultimate guide for the entire process

    Molly Ward gives financial advice when the divorce process starts.
  • GoBankingRates, Yahoo and AOL: The Worst Assets To Inherit and How To Address Them Before It’s Too Late

    Molly Ward chimes in on the importance of keeping the family harmony with the help of a timely will.
  • Success Magazine: How to Start Your Mornings Right

    Molly discusses her morning practices and how it sets her workday
  • Worth Magazine:The Investment Gap

    From pay disparity to finding the right financial advisor, women face distinctive challenges when it comes to maintaining and building wealth. And sometimes the biggest hurdle is internal. So what’s a woman to do? Start planning.
  • Financial Advisor Magazine: Advisor Sees 'Fatal Mistakes' Women Have Made With Finances

    Some women are paralyzed when it comes to dealing with their money, according to Molly Ward, a financial advisor who serves on the Elite Producer Group board at Equitable Advisors.

    The fear of dealing with their finances can make women, and even some men, make fatal financial mistakes, said Ward, who has built her Houston-based practice around helping high-net-worth women fulfill their financial potential.
  • Money Magazine:How to Wean Your Adult Children Off the Bank of Mom and Dad

    If you’ve been lending a financial hand to your adult kids — from covering to their car insurance or cell phone bills all the way to paying for their rent or down payment on a home — you have plenty of company. But financial planners caution that your generosity may be unwittingly jeopardizing your retirement.
  • Financial Advisor Magazine: Clients Often Follow 'Money Scripts' They Learn As Children

    The lessons about money that your clients learned in childhood can haunt or help them years later, according to Molly Ward, a financial advisor who serves on the Elite Producer Group board at Equitable Advisors.
  • ETF.com: I’m 25 & Ready To Invest For Retirement. Where Do I Start?

    The great thing about being in your mid-20s is you have 40-plus years to save for retirement. But how to do it right is tough to figure out when long-term planning is a nebulous concept. Add to that a younger generation’s skepticism about traditional retirement. Still, having long-term savings plans is critical.
  • Lifehacker.com: How To Actually Read Your Retirement Account Statements

    You probably have money invested in a 401(k) or IRA, but maybe you have no idea how to actually read your investment statements. There are a lot of confusing numbers and jargon that go into a portfolio. Here’s a handy guide to help you decode it.
  • Parade.com: Want To Be More Financially Savvy This Year? Here Are 100 of the Best Budget Tips for 2020

    1. “While dieting fads may come and go in 2020, one sure-fire way to stay on track with your budget this year is to implement a spending diet. Challenge yourself to go an entire month without ordering anything online, even from your favorite online food delivery site. To avoid temptation, delete your automatically saved credit card information from the shopping websites you frequently visit, and if that doesn’t do the trick, try to put your credit cards in a Tupperware container, pour water in and freeze them to resist overspending.” — Molly Ward, Equitable Advisor
  • Fortune.com: You’re the breadwinner in the relationship. Now what?
  • The Atlantic: When Tomorrow Becomes Today

    Retirement isn’t what it used to be—and now more than ever, it can be fraught with uncertainty. But that doesn’t mean it can’t be what you hope. We’re exploring the changing face of retirement, the challenges that come with tumultuous times, and what it takes to be prepared for what comes next.
  • This Financial Advisor Has 6 Pieces of Important Advice For Women

    Molly Ward is a Texas mother, wife and certified financial planner. With nearly three decades of financial planning experience, she focuses her practice on helping women achieve financial independence and live up to their financial potential. Here are six questions that we’ve gotten from women who read The Penny Hoarder — and Molly Ward’s answers.
  • The Penny Hoarder: How to Build a Winning Single Mom Budget (or Single Dad Budget)

    Raising a child — or children — is an incredibly rewarding experience. It can also be a very expensive one — and doing it alone can be a major source of financial stress. We spoke with three financial professionals — who have personally experienced life as a single parent — to get the best tips on how to budget and save money when raising children alone.
  • Seniors Are Traveling Again. How They’re Tackling the Tab.

    Molly Ward, a Certified Financial Planner at Well Lived Wealth in Houston, starts planning her clients’ retirement income about five years before they stop working.
  • How Millionaires Invest During a Bear Market: Learn What the Rich Do

    Molly Ward shares her thoughts on the lower stock prices.
  • Is Social Media Influencing Your Holiday Spending?

    Your social media scrolling could be having a major effect on your wallet. More than 1 in 3 Americans consider social media “very influential” on their spending habits, with 59% reporting that influencer posts have influenced them to make a purchase from social media, a recent Point survey found.

Molly Ward has spoken extensively about holistic financial planning and the difficulty women face when a season of life changes. To learn more about Molly and how you may engage her for your next meeting, podcast or conference, please send a request to info@welllivedwealth.com.

Speaking Engagements:

  • “Independence & Permission for High Net Worth Independent Women”, Theta Wildcats Investment Club
  • “What Would Bridget Jones Do?”, NextGen Women’s Group- Houston Trust Company
  • “The Financial Side of Divorce”, Guide To Good Divorce
  • “The Birds and Bees of Money”, Newcomers and Neighbors of Greater Houston
  • “The Romance of Money; How does your behavior regarding money affect your relationships?”, Galentine’s Presentation
  • “Not just good to know, GREAT to know… about my money.”, Praeclarus Breakfast Club
  • “Women and Money: What is your relationship with money and how does your behavior regarding money affect your relationships?” The Menninger Clinic
  • “Financial Planning 101”, Brookstone Construction Company
  • “Financial Planning 101”, Jackson Ryan Architects
  • “Financial Planning, Life and Disability Protection and Stewardship”, St. Luke's United Methodist Church, Mom's Group
  • "Spending, Saving, Giving vs. Income", National Charity League
  • "Your Success Equation", Equitable Advisors, LLC LGBT Diversity Summit
  • Equitable Advisors, LLC Women’s Summit
  • Equitable Advisors, LLC 2010, 2016, 2019 State of the Branch
  • Equitable Advisors, LLC Elite Advisor Group
  • “Evolving Your Practice & Technology Integration”, 33rd Annual Agents Reinsurance Company (ARC) Meeting
  • “Why the Ultra Wealthy Have Life Insurance and Annuities”, Bernstein Asset Management
  • “Business Practices and The Use of Annuities”, Weinstein SPIRA CPA Firm


Well Lived Wealth

Money & Life are intertwined…

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Money Scripts



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