This edition features a handful of The Most Influential Women in Wealth Management in 2023 across several sectors that are at the forefront of leading us into a digital future.

1. Vol: 10
Issue: 11
Year: 2023
Inves ng for the Future
Understanding A Wealth
Management Blueprint
www.insightssuccess.com
Leading the Way in Comprehensive Financial Planning
Spedden-Irrgang
acey A.
Spedden-Irrgang
acey A.
Leading the Way in Comprehensive Financial Planning
The Most
Influential
Women in
Wealth Management,
2023
Women in
The Reason Beneath
Sustainable and Ethical
Inves ng in Wealth
Management

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4. Editor’s
Editor’s
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5. AbhishekJoshi
In the modern financial arena, the role of women in wealth
management has never been more pivotal. Insights Success
presents "The Most Influential Women in Wealth
Management, 2023" to spotlight the remarkable women
who have not only shattered glass ceilings but have also set
new standards for excellence in the global financial
landscape. Their visionary leadership, unwavering
dedication, and profound impact on the world of wealth
management deserve recognition and celebration.
This year, our selection process has been more rigorous
than ever, as the wealth management industry continues to
transform and diversify. These remarkable women have
demonstrated their ability to adapt, innovate, and thrive in a
dynamic financial landscape. The pages of this issue are
filled with the stories of women who have forged their
unique paths to success, inspiring not only their peers but
also future generations of professionals.
The individuals we have chosen for this exclusive list are
trailblazers, thought leaders, and mentors, contributing
significantly to their organizations and the broader financial
community. Their achievements encompass a wide
spectrum of expertise, from investment strategies to wealth
preservation, financial planning, and innovative
technological solutions. These women have consistently
exhibited an unparalleled commitment to their clients,
delivering outstanding results with the utmost integrity and
professionalism.
As we delve into the profiles of these exceptional women, it
becomes clear that their accomplishments extend far
beyond their professional lives. They are champions of
diversity, advocates for gender equality, and philanthropists
who are committed to making a positive impact on society.
Their leadership transcends the office, creating a ripple
effect of positive change.
In "The Most Influential Women in Wealth Management,
2023," we invite you to celebrate the achievements of these
extraordinary women, to gain insights from their wisdom,
and to be inspired by their journeys. We are honored to
share their stories with our readers, and we hope that their
success serves as a testament to the limitless potential of
women in the world of wealth management.
We extend our heartfelt congratulations to all the women
featured in this issue, and we eagerly anticipate the
continued influence they will wield in shaping the future of
wealth management. Together, let us champion their
success and the empowerment of women in finance.
Showcasing the
Assets of Excellence

6. Cov
Story

7. A r t i c l e s
Investing for the Future
Understanding A Wealth Management Blueprint
16
08
The Reason Beneath
Sustainable and Ethical Investing in Wealth Management
20
acey A.

8. sales@insightssuccess.com
October, 2023
Editor-in-Chief
Senior Sales Managers Business Development Manager
Marketing Manager
Technical Head
Technical Specialist Digital Marketing Manager
Research Analyst
Database Management Technology Consultant
Merry D'Souza
Deputy Editor Executive Editor Assistant Editors
Visualizer
David King
Art & Design Director Associate Designer
Sihanee. M, Rouniyar. A Peterson. B, Mane. S
James M.
Sales Executives
Sawant. A, Luke
Business Development Executives
Simon, Shweta
Jacob Smile
Prachi Mokashi Dominique T.
SME-SMO Executive
Sagar Lahigade Frank Adams
Circulation Manager
Robert Brown Stella Andrew David Stokes
Revati Badkas
Abhishek Joshi
Ankita Pandharpure
Jenny Fernandes Miller. A, Kapoor. M
Copyright © 2023 Insights Success, All rights reserved. The content and images used in this magazine should not be reproduced or transmitted in any
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9. Brief
Featuring Company
Abigail is focused on ensuring we deliver the best experience
possible by meeting our diverse customers at who they
are – people with unique goals and needs.
Fidelity Investments
fidelity.com
Abigail Johnson
Chairman and CEO
Anne is the head of BlackRock's Retirement Group (RG),
bringing the defined contribution and retirement insurance
businesses together to tackle the industry's toughest challenges.
BlackRock's
Retirement Group
blackrock.com
Anne Ackerley
Head
Claire is an excellent communicator with an academic
background in mathematics; combining technical expertise
with exceptional presentation and networking skills.
Capgemini's
Financial Services
Strategic Business Unit
capgemini.com
Claire Tucker
CEO
Lisa Shalett manages investments at Morgan Stanley Wealth
Management and is a member of both the Global Investment
Committee and the Wealth Management Operating Committee.
Morgan Stanley
Wealth Management
morganstanley.com
Lisa Shalett
Head of Investment
and Portfolio Strategies
Stacey focuses on Financial Planning for the individual and
business owner as well as Retirement Planning and Health, Life
and Disability Income Insurance.
Heritage Financial
Consultants LLC
heritageconsultants.com
Stacey
Spedden-Irrgang
Financial Planner

10. Stacey A. Spedden-Irrgang
Financial Planner
Heritage Financial
Consultants, LLC

11. acey A.
C o v e r S t o r y

12. S
tacey A. Spedden-Irrgang, CRPC®, LUTCF,
FSCP®, is a highly accomplished Financial Planner
affiliated with Heritage Financial Consultants,
LLC. Her extensive range of qualifications and services
underscores her dedication to comprehensive financial
planning.
As an Investment Advisor Representative and Registered
Representative, Stacey offers holistic financial planning
services through Lincoln Financial Advisors Corp. Her
expertise extends to insurance, as she is a licensed Health
and Life Insurance agent, representing not only Lincoln
Financial but also other reputable companies.
Stacey's commitment to professional growth is evident
through her successful completion of various financial
exams, including Series 7, 6, 65, and 63, in addition to her
Designation (Life Underwriter Training Council Fellow)
and the CRPC® designation, showcasing her commitment
to excellence in financial planning. Stacey has completed
all the required courses for the Certified Financial Planner
(CFP) certification, further solidifying her expertise.
Stacey's areas of focus encompass Financial Planning for
individuals and small business owners, as well as Retire-
ment Planning and Life and Disability Income Insurance.
Actively engaged in her profession, she is a member of
Women in Financial Services (WIFS) and is proudly part of
their Circle of Excellence. Stacey is also a member of the
Wise Group, Lincoln Financial Advisors Premier Partners,
and The Resource Group.
Significance of Determination and Persistence
Starting her first job out of college, Stacey faced initial
reluctance and uncertainty. With no prior experience or
clear direction, she realized the challenges ahead and
committed to overcoming them. In addition to her full-time
job, she worked as a waitress and dedicated herself to
making calls and connecting with people in the industry.
One significant challenge she encountered was the lack of
female representation in finance and the prevailing
stereotype that finance was primarily a male-dominated
field. This dearth of female role models and mentors made
her journey more challenging.
To overcome these obstacles, Stacey adopted a determined
mindset, staying focused on her goals and taking things one
day at a time. She emphasizes the importance of persistence
and hard work, acknowledging that initial progress might
not be significant, but consistent effort leads to success. Her
story serves as an inspiration for individuals facing similar
challenges, highlighting the value of dedication and
resilience in pursuing a career in finance, even in male-
dominated environments.
Tailored Solutions for a Smoother Advisory Process
Stacey considers herself fortunate to work at Lincoln
Financial Group, which offers an open architecture plan
with a comprehensive range of products. This approach
enables her to provide clients with a wide array of solutions
tailored to their specific needs, ensuring a smoother and
more effective advisory process. Her team's commitment to
delivering five-star service has resulted in strong, familial
relationships with clients. They go beyond financial
discussions, aiming to understand clients on a deeper level,
fulfillment of the requirements to become a CERTIFIED
FINANCIAL PLANNER™ practitioner.
Stacey's impressive journey in the financial industry dates
back to 1993 when she joined Lincoln Financial Advisors,
marking the beginning of a long and distinguished career.
Her recent accolades, including being a Chairman's Council
qualifier in 2021 and 2022 and a President's Cabinet
qualifier in 2022, attest to her exceptional performance and
leadership within the organization.
Educationally, Stacey holds a bachelor’s degree in human
resources with a concentration in business from the
University of Delaware. She has also earned the LUTCF
The Most Influen al Women in Wealth Management, 2023

13. including personal aspects of their lives.
This deeper connection allows Stacey and her team to
maintain long-lasting relationships and develop customized
plans not only for clients but also for their families. The
level of trust and security established with clients is so
significant that they feel comfortable having her and her
team at their dinner tables. This deep connection and the
rewarding nature of her work contribute to the sense of
fulfillment and trust that Stacey provides to her clients.
Emphasis on Open-Mindedness, Personability, and
Authenticity
Stacey's approach to leadership in the wealth management
industry emphasizes open-mindedness, personability, and
authenticity. She embraces a coaching mindset, placing a
strong emphasis on collaboration, guidance, and support
within her team. Stacey's leadership philosophy is rooted in
identifying and nurturing the strengths of her team mem

14. bers, ensuring that each person is in a role that aligns with
their capabilities and expertise.
This approach fosters cohesion and allows each team
member to leverage their unique abilities, ultimately
leading to increased efficiency in their day-to-day
operations. By providing a supportive and collaborative
environment, Stacey aims to empower her team to achieve
their best and deliver high-quality service to clients in the
wealth management sector.
Strengthening Trust and Reassurance Amidst Uncer-
tainty
The COVID-19 pandemic had a significant impact on the
wealth management industry, and Stacey's experience
reflects both challenges and opportunities. While some
clients experienced direct effects on their portfolios, it was
crucial to reassure them that strategies were in place to
withstand unexpected circumstances. This period of
uncertainty strengthened trust with clients who appreciated
the proactive approach.
Adaptation was key during this time. Stacey and her team
transitioned to a hybrid work landscape, leveraging
software such as Zoom and Teams to maintain efficient
client service and reviews. This shift allowed them to reach
more clients in a single week while ensuring clients'
comfort and safety. Some clients even preferred remote
reviews, leading to a permanent change in how services are
delivered.
Stacey also highlighted the advantages of being part of
Heritage Financial Consultants, which provides access to
valuable resources like a CFA, a director of financial
planning, an investment committee, and other assets that
enhance the efficiency of wealth management planning.
This collaborative approach ensures clients receive
comprehensive and well-informed financial guidance.
Continuous Refinement and Enhancement of Strategies
Alyse Holstein and Amy Brocious played a significant role
in shaping Stacey's career path. These successful women in
the industry served as mentors and sources of valuable
advice and guidance. Their influence and the opportunities
they opened up undoubtedly contributed to Stacey's current
success.
While there isn't one specific book that has defined her
perspective on wealth management, Stacey's approach is
influenced by a wide range of sources. She reads exten-
sively and draws insights from a diverse array of books,
taking bits of wisdom and practices from various texts.
Stacey's approach is to adapt and incorporate these insights
into her own practice in ways that benefit her and her
clients. This flexible and open-minded approach to learning
allows her to continuously refine and enhance her wealth
management strategies.
Building a Supportive and Engaging Workplace
Maintaining a positive work culture is a top priority for
Stacey, who values work-life balance and recognizes the
importance of a supportive and engaging workplace. Within
her own team, she has cultivated a unique culture that
includes special activities like birthday lunches, weekly

15. regroups for personal and professional catch-ups, and
occasional happy hours. These initiatives contribute to a
harmonious and enjoyable work environment.
Moreover, as a partner in Heritage Financial Consultants,
Stacey is actively involved in shaping the culture within her
producer firm. Here, they organize a variety of events and
activities such as happy hours, crab feasts, birthday month
celebrations, omelet station days, study groups, charity
events, and more. These efforts are geared toward ensuring
that team members feel engaged, motivated, and valued,
enhancing the overall work experience for everyone
involved.
Supporting Various Causes and Foundations
Stacey and her colleagues at Heritage Financial Consultants
prioritize charity and community involvement. The firm is
committed to dedicating a minimum of three charity days
each year, during which team members have the opportu-
nity to participate in various charitable activities and
contribute to different causes and foundations. This
commitment to giving back underscores their dedication to
making a positive impact in their community and beyond.
A Proactive Approach
Stacey anticipates a major shift in the wealth management
industry over the next five years, with a significant transfer
of wealth to the younger generation. Recognizing that
younger generations have different values and financial
priorities, she believes that adapting to this change requires
a fresh approach to financial planning. To prepare for this
transition, Stacey aims to proactively establish relationships
with her clients' children and make them her own clients.
By assisting these younger clients early on in their financial
journey, she can help them create and work towards their
financial goals, ultimately benefiting both her practice and
the younger generation's financial well-being. This
proactive approach ensures that financial planning is not
solely reactive to family wealth transitions or crises.
Essential Traits for Success in Wealth Management
Stacey offers valuable advice to leaders and entrepreneurs
aspiring to enter the wealth management industry. She
emphasizes the importance of patience while navigating
this challenging field and encourages individuals to take the
leap, as it can be an incredibly rewarding journey. Stacey
acknowledges that wealth management is not easy, and it
continues to present new challenges. However, she finds
fulfillment in helping clients achieve their financial goals,
which makes it all worthwhile. To succeed in this industry,
she recommends being empathetic, a good listener,
detail-oriented, and committed to ongoing learning and
adaptation, given the constantly evolving landscape of
wealth management. These qualities can contribute to a
successful and fulfilling career in the field.
Empowering Young Women in Finance
Stacey is actively working on expanding her team by
bringing in an associate advisor to enhance the relationship-
building process with her clients' children. She recognizes
the significance of generational planning and aims to
provide education and guidance to younger investors. Over
the next five years, she anticipates a growth in her client
base of younger investors as a result of her educational
efforts. Additionally, Stacey is focused on further growing
her team by recruiting talented young women, which will
contribute to a female-focused team and enable the firm to
provide more frequent and personalized assistance to
clients, fostering a sense of belonging and trust within the
client community.

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Understanding
A Wealth
Management
Blueprint
ealth management is a comprehensive and dynamic process that goes
Wbeyond just accumulating assets. To achieve your financial goals and
secure your future, you need a well-defined plan, often referred to as a
wealth management blueprint. In this article, we will explore the key components
and principles of a wealth management blueprint, helping you understand how it
can guide your financial decisions and set you on the path to long-term financial
success.
Defining Your Financial Goals
The first step in creating a wealth management blueprint is to clearly define your
financial goals. Whether your objectives involve buying a home, funding your
child's education, or retiring comfortably, understanding your aspirations is
essential. These goals provide the foundation upon which your wealth management
plan is built.
Risk Assessment and Tolerance
An integral part of your wealth management blueprint is assessing your risk
tolerance. Different investments carry different levels of risk, and understanding
how much risk you are comfortable with is crucial. Your wealth manager will work
with you to find the right balance between risk and reward, ensuring that your
investments align with your goals and your risk tolerance.
Asset Allocation
Asset allocation is a key aspect of any wealth management blueprint. It involves
distributing your investments across various asset classes, such as stocks, bonds,
real estate, and alternative investments. The goal is to create a diversified portfolio
that can provide stable returns and mitigate risk. Your wealth manager will help you
determine the right asset allocation strategy based on your risk profile and goals.

19. Investing for the Future
October 2023 | 17 | www.insightssuccess.com

20. Investment Strategy
Your wealth management blueprint will include a
customized investment strategy tailored to your unique
financial situation. This strategy will outline how your
assets will be invested and how they will be managed over
time. It will also specify the investment vehicles, such as
mutual funds, ETFs, or individual stocks, that will be used
to implement your strategy.
Tax Planning
Tax planning is a critical component of wealth
management. Proper tax planning can help you minimize
your tax liability and maximize your after-tax returns. Your
wealth manager will work with you to identify tax-efficient
investment strategies and take advantage of tax-advantaged
accounts and opportunities.
Estate Planning
Estate planning is often overlooked but is a crucial part of
your wealth management blueprint, especially if you have
significant assets or complex family dynamics. This
involves creating a plan for the distribution of your wealth
after your passing, ensuring that your assets are managed
and transferred according to your wishes. Your wealth
manager can help you navigate the complexities of estate
planning, including the creation of wills, trusts, and
beneficiary designations.
Regular Monitoring and Adjustments
Wealth management is not a one-and-done process; it
requires ongoing monitoring and adjustments. Your wealth
management blueprint should include a schedule for
reviewing your portfolio and making changes as needed.
This may involve rebalancing your investments, adjusting
your risk profile, or aligning your portfolio with changing
financial goals.
Insurance and Risk Management
A comprehensive wealth management blueprint also
addresses insurance and risk management. Your wealth
manager will help you evaluate your insurance needs,
including life, health, disability, and liability insurance, to
protect your financial well-being and assets from
unforeseen events.
Legacy and Charitable Giving
For those who want to leave a lasting legacy or engage in
philanthropic activities, your wealth management blueprint
can include plans for charitable giving and legacy planning.
This ensures that your wealth can make a positive impact
on your chosen causes or future generations.
Continuous Education and Communication
A successful wealth management blueprint is built on a
strong foundation of continuous education and
communication. Your wealth manager should keep you
informed about your investments and financial strategies,
helping you make well-informed decisions. Regular
communication and educational sessions ensure that you
stay on track with your financial goals.
The Essential Factors
A wealth management blueprint is not just a financial plan;
it is a roadmap for achieving your long-term financial
aspirations and securing your financial future. It is a
dynamic and flexible document that evolves with your
changing circumstances, goals, and the economic
landscape. By working with a qualified wealth manager,
you can create and implement a blueprint that takes into
account your unique financial situation and aspirations.
With a well-structured wealth management blueprint, you
are better equipped to navigate the complexities of the
financial world and work toward the financial security and
success you desire.
October 2023 | 18 | www.insightssuccess.com

22. The Reason Beneath
Management
Sustainable and
Ethical Investing
nWealth
October 2023 | 20 | www.insightssuccess.com
s wealth management strategies evolve, a
Agrowing emphasis is being placed on the
integration of sustainability and ethics into
investment decisions. Sustainable and ethical investing,
often referred to as socially responsible investing (SRI)
or environmental, social, and governance (ESG)
investing, is gaining prominence in the financial world.
This approach to wealth management combines
financial objectives with a commitment to making a
positive impact on the environment, society, and
corporate governance. In this article, we will explore
the principles of sustainable and ethical investing, its
benefits, and how it is reshaping the wealth
management landscape.
Understanding Sustainable and Ethical Investing
Sustainable and ethical investing entails aligning your
investment portfolio with your personal values and
principles. Investors who embrace this approach seek
to support companies and initiatives that demonstrate a
strong commitment to social and environmental
responsibility. Key elements of this strategy include:

23. Environmental Responsibility: Investments are directed
towards companies that adopt environmentally friendly
practices and reduce their carbon footprint. This may
involve supporting businesses involved in clean energy,
sustainable agriculture, or waste reduction.
Social Responsibility: Investors consider companies that
prioritize ethical labor practices, diversity, and social
inclusivity. This can include companies that champion fair
wages, human rights, and community development.
Governance: Investment choices also weigh the governance
practices of companies. Factors like transparency, executive
compensation, and board diversity come under scrutiny.
Ethical investors favor businesses with strong governance
structures.
Benefits of Sustainable and Ethical Investing
Aligning Values and Wealth: Sustainable and ethical
investing allows individuals to put their money where their
values are. It provides an opportunity to support causes and
organizations that resonate with one's personal beliefs and
ethics.
Risk Mitigation: Companies that prioritize sustainability and
ethical practices tend to be better equipped to manage risks
related to environmental and social issues. Investing in such
companies may lead to a more stable and resilient portfolio.
Positive Impact: Ethical investing can have a meaningful
impact on driving positive change. By channeling capital
toward responsible companies, investors can contribute to a
better future, both environmentally and socially.
October 2023 | 21 | www.insightssuccess.com

24. Long-Term Financial Performance: Numerous studies
suggest that companies with strong ESG practices tend to
perform better in the long run. Investors may benefit from
not only ethical satisfaction but also potentially higher
returns.
Sustainable and Ethical Investing in Wealth
Management
Wealth managers are increasingly recognizing the
importance of sustainable and ethical investing in shaping
their clients' portfolios. This approach requires a thorough
understanding of an individual's financial goals and ethical
considerations. Wealth managers play a pivotal role in:
Customized Portfolio Development: Wealth managers work
closely with clients to construct investment portfolios that
align with their values and financial objectives. They
provide expertise in selecting ethical investment
opportunities across various asset classes.
Risk Assessment and Diversification: Wealth managers
assess the risk associated with ethical investments and
develop strategies to diversify portfolios effectively. They
help clients maintain a balance between risk and return.
Ongoing Monitoring: Sustainable and ethical investments
may require regular monitoring to ensure alignment with
changing values and market dynamics. Wealth managers
play a crucial role in maintaining the ethical integrity of a
portfolio.
Performance Evaluation: Wealth managers evaluate the
financial performance of ethical investments and provide
clients with insights into the potential long-term benefits of
this approach.
Challenges and Considerations
While sustainable and ethical investing offers a range of
benefits, it also comes with certain challenges and
considerations:
Limited Investment Universe: Some investors may find that
their choices are limited when they commit to ethical
investing. Not all industries or companies may align with
their values, which can lead to portfolio constraints.
Risk of Underperformance: There is a concern that ethical
investments may underperform traditional investments in
certain market conditions. However, this is not always the
case, and the long-term benefits often outweigh short-term
fluctuations.
Subjectivity in Ethics: What is considered ethical can be
subjective, and different investors may have varying views
on what is acceptable. Wealth managers must carefully
navigate these nuances.
The Fundamentals Beneath
Sustainable and ethical investing is reshaping the landscape
of wealth management by providing a pathway to
prosperity and a better world. Investors who embrace this
approach can align their financial goals with their values,
contributing to positive environmental and social change
while potentially enjoying financial benefits. Wealth
managers play a pivotal role in guiding clients on their
ethical investment journey, offering expertise in
constructing portfolios that reflect their values and financial
objectives. As the world becomes increasingly focused on
sustainability and ethics, this investment strategy is poised
to continue its growth in the years to come, providing a
meaningful bridge between financial prosperity and social
responsibility.
October 2023 | 22 | www.insightssuccess.com

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