7 Reasons Professional Women Are Ditching One-Size Advisors

When I meet a VP of Product or Chief of Staff who earns six figures yet still feels “behind,” it’s rarely about math—it’s about mismatched advice. Here are the seven reasons I’m nudging ambitious women toward a modular, tech-forward money stack.

1. Employer comp is spiky. Traditional advisors assume predictable salaries. My stack treats RSUs, bonus cycles, and sabbatical gaps as programmable cashflow events.
2. Decision fatigue is real. Automations inside tools like Monarch Money or Tiller route dollars the moment they hit checking. You review strategy monthly, not every morning.
3. Values need a seat. A custom IPS (investment policy statement) in Notion keeps philanthropy, career pivots, and caregiving pauses on the same page as net worth goals.
4. Underwriting still lags. Using alternative bureau data and your own transaction exports lets you pre-score mortgage options before sales reps ever call.
5. Advisory fees compound too. Moving to a flat-fee CFP + DIY index funds often saves 0.75% annually—on $500K that’s $3,750 back in your plan.
6. AI is now a second brain. Chat-based models ingest anonymized budgets to spin up scenarios (“What if I max mega backdoor Roth + daycare costs spike?”) in seconds.
7. Community resets standards. Group strategy sessions beat lonely spreadsheets. I host quarterly “Money Lab” salons where we redline each other’s plans.

Try the 45-Minute Audit

• Export last 90 days of transactions
• Bucket spending into Must Fuel, Nice to Have, Future Self
• Ask AI (Claude, ChatGPT) to spot recurring leaks or underused subscriptions
• Reinvest the savings in a single catalytic move (debt sprint, brokerage automation, or career upskilling)

If you want my templates, reply “STACK” to the newsletter welcome email—I’ll send the whole kit.