The Wealth and Power Shift: How Woman Are Reshaping the Financial Landscape

The Wealth and Power Shift: How Woman Are Reshaping the Financial Landscape

A profound transformation is underway in the world of wealth, as women are poised to control more than half of the nation’s assets by 2030—a shift that is already reshaping the financial landscape. This landscape reflects evolving priorities, new opportunities, and unique challenges for women. By 2045, an estimated $85 trillion in wealth will be transferred through inheritance, with nearly 70% expected to be controlled by women. Women are not just inheritors—they are also creating significant wealth through their own careers and business ventures.

 

Several factors are accelerating this shift. Demographically, women tend to live longer than men, making them more likely to inherit and manage family wealth. Additionally, more women are rising to high-level corporate positions and founding successful businesses, further expanding their economic influence. Younger generations of women are far more financially engaged than previous ones and are eager to take control of their finances, challenging outdated stereotypes about women and money.

 

We understand that women’s approach to wealth management often differs from men’s in important ways. They tend to think more holistically about their wealth, especially in terms of legacy, caregiving, and supporting others. The myth that women are inherently more risk-averse continues to fade; it’s not about risk aversion, it’s about purpose. Women often seek education to make informed decisions, and their focus on risk is rooted in thoughtful planning rather than fear. We strive to create an environment where women feel comfortable expressing their goals and fears, as the shift toward female-directed wealth is also heartfelt. Many women—especially those who have come into wealth through the loss of a loved one, through being widowed or divorced, are not just managing assets; they are navigating life’s transitions, making empathy and partnership crucial qualities in an advisor.

 

We partner with women and our goal is to explain things clearly and work with them. We recognize that women who have built their wealth have different experiences and needs from those women who have inherited their wealth. We build relationships where trust and empowerment are key, since our clients don’t want generic financial plans. At the end of our initial process, we want the women we work with to feel confident in their decisions, which reflect their values

Maria Deresciuc

Maria Deresciuc is the administrative assistant at Signature Financial Advisors.

She started in the company and industry in the beginning December 2021. Maria graduated from the Technical University of Moldova with Bachelor’s in Technology and Management of Food Industry.

In her free time, Maria enjoys traveling, cooking, working out, and spending time with her family and her dog, Mozart.

Her life motto is: “When you think like giving up, just remember why you started”.

Hector Castellanos

Hector Castellanos is an associate advisor with Signature Financial Advisors.  Hector’s primary focus is helping business owners achieve their financial goals through planning and preparation.  He has more than 15 years experience in the financial industry, primarily working in Business Banking and Commercial Lending.

Hector has earned his Investment Advisory license and holds insurance licenses in Texas and Colorado.    Hector is a graduate from Colorado State University where he earned his Bachelor of Science degree in Psychology and Bachelor of Arts degree in Sociology.  

Hector lives in Houston, Texas with his wife Julia and daughter Mackenzie.  He enjoys playing sports and attending sporting events.  Hector also enjoys coaching his daughter’s soccer team and relaxing with friends while drinking a nice Malbec.     

Sydnee Rose Miller

Hi, my name is Sydnee Rose Miller. I was born in the Midwest on Aug. 18, 2009.

My new mom, Liebe Ostrow Miller, picked me out of thousands of new pups. I now guard the new office of Signature Financial Advisors.

I’m very affectionate and look forward to meeting you. (Please bring doggie treats!) I’m also very happy to have a yard of my own here at the office.

Woof!

Vanessa Aguilar

Vanessa Aguilar is the Senior Client Relationship Manager at Signature Financial Advisors. She got her start in the industry in 2015 and enjoys communicating with clients and helping to reduce the financial pressure they may be experiencing. Vanessa holds life, accident and health licenses. She graduated from the University of Houston-Downtown with a Bachelor of Arts in Finance.

In her free time, Vanessa enjoys working out, exploring nature, spending time with family and reading.Se

TOM MCGUINNESS, CPA, CVA PARTNER

A partner at Signature Financial Advisors, Tom McGuinness is a certified public accountant (CPA) and certified valuation analyst (CVA). Tom’s goal is to help every client identify ways to simplify their financial lives, achieve their goals and avoid obstacles.

Tom began his accounting/consulting career in 1982 and his areas of practice include:

• Business tax compliance and strategy
• Individual tax compliance and strategy
• Tax controversy
• Business consulting
• Business valuation
• Physician-side healthcare consulting

Tom has been a licensed CPA since 1983 and received his CVA designation in 1999. He is a member of the American Institute of Certified Public Accountants, the Texas Society of Certified Public Accountants and the Houston Chapter of the TSCPA. In addition, he serves as adjunct professor of practice management at the University of Texas Health Science Center in Houston. Tom is also a founding member and past president of the National CPA Healthcare Advisors Association. He graduated from the University of Houston with a B.A. degree in accounting in 1981.

Tom and his wife Renee have five children between them along with four grandchildren. In his free time, Tom enjoys his grandkids, golf, hunting, fishing, ranching, and travel.

Randy Reimer, CPA, CFP®

As a partner at Signature Financial Advisors, Randy Reimer is focused on helping individuals and businesses with tax and financial planning, including business acquisition and disposition, strategic planning and consulting.

Randy got his start in the industry in 1982, primarily helping the clients of CPA firms with tax compliance and preparation. In 2007, he decided to pursue the CFP® designation to better serve clients in other areas of their financial life, including long-term savings and investments, insurance and estate planning.

He specializes in:

• Tax compliance and planning for business owners and individuals
• Financial planning for business owners and individuals
• Succession planning

Randy is a Certified Public Accountant (CPA) and Certified Financial Planner (CFP®) practitioner. He is affiliated with the American Institute of Certified Public Accountants, the Texas Society of Certified Public Accountants, the Houston Chapter of CPAs and the Certified Financial Planner Board of Standards. He graduated from Sam Houston State University and completed the Certified Financial Planner® Certified Education Program at Rice University, Glasscock School of Continuing Studies.

Randy has been interviewed on Houston’s KTRH Newsradio (740 AM) with Matt Patrick and on Texas Business Radio. In addition, Randy was featured in a tax-planning article that appeared in an International Resource Group newsletter. Randy has been married to Kimberli since 1980, and they have two daughters and two granddaughters. In his free time, Randy enjoys golf, traveling and spending time with his grandkids.

Samuel A. Dodson, CPA, MST

James Rush, CFP®, CRPC®

James Rush is a partner at Signature Financial Advisors. He has more than 20 years experience in the wealth management, financial planning and insurance industries.

He specializes in the following areas:
• Tax Planning
• Income Planning
• VA Pension Benefits
• Wealth Management

James holds his insurance license in Texas and has earned his securities and investment advisory licenses. He is a Certified Financial Planner practitioner, a National Futures and Commodities Agent, and a Chartered Retirement Planning Counselor. James earned a bachelor’s degree in business from the University of Houston and was once a vice president of one of Houston’s leading banks. In addition to his work at Signature Financial Advisors, James advises veterans and their families on eligibility for the Department of Veterans Affairs pension benefits. These benefits are crucial in helping families cope with rising costs of assisted living and memory care services.

James is a frequent guest speaker for local Fortune 500 companies and nonprofit organizations on many topics, including retirement and income planning. He is Founder of Veteran Care Advisors of Texas.

Liebe Miller, CLU, CSA