Rome/Atlanta, GA Financial Advisor Collaborates with Guardian Life on National Brief Addressing the Financial Impact of Menopause
Rome-based financial advisor Ande Frazier, CFP®, has collaborated with The Guardian Life Insurance Company of America (Guardian) on a newly released thought-leadership brief examining an often overlooked issue: the financial impact of menopause on women in midlife.
Titled “Money, Midlife, and Menopause: Turning Transition into Opportunity,” the brief explores how menopause, commonly understood as a biological transition, can also carry significant economic consequences for women during what is often their peak earning years.
According to Guardian’s research, women in the United States collectively spend an estimated $13 billion annually managing menopause symptoms. Women who have been clinically diagnosed with menopause spend 45% more on healthcare each year than their peers. Additionally, women who seek care for menopause-related symptoms earn approximately 10% less four years later.
“Menopause doesn’t happen in isolation,” said Frazier. “It often lands at a time when women are juggling careers, caring for aging parents, supporting adult children, and trying to maximize retirement savings. The financial ripple effects can be significant, yet they’re rarely discussed.”
The brief draws on Guardian’s 14th Annual Workplace Benefits Study and combines proprietary research with Frazier’s professional insights as a financial advisor with more than 30 years of experience working with women and families. The collaboration aims to help women better understand how midlife transitions can impact financial health, and how proactive planning can strengthen long-term stability.
Midlife is frequently described as a woman’s peak season of earning power and leadership opportunity. However, menopause symptoms can contribute to increased absenteeism, reduced workloads, or delayed career advancement. The brief highlights that 25% of women have reconsidered leadership opportunities due to menopause symptoms, while 33% have considered reducing or reduced their workload.
“Financial clarity becomes even more important during seasons of transition,” Frazier said. “This is a checkpoint; a time to reassess retirement contributions, insurance coverage, investment strategy, and long-term plans. With thoughtful planning, women can turn what feels disruptive into an opportunity to strengthen their financial foundation.”
The brief also provides a decade-by-decade financial planning roadmap and outlines strategies including emergency fund planning, catch-up retirement contributions, insurance reviews, and legacy planning.
Frazier, who serves as Head of Advisor Development and Innovation at Peachtree Planning Corporation and maintains a private advisory practice in Rome, is nationally recognized for her work at the intersection of behavioral finance and women’s financial empowerment. She is the author of Fin(anci)ally Free! 11 Conversations to Have With Yourself About Life, Money & Your Worth and frequently appears in national media discussing women and money.
The full brief, Money, Midlife, and Menopause: Turning Transition into Opportunity, is available through Peachtree Planning and Guardian Here!
For more information or to request a copy of the brief, contact Ande Frazier at (470) 524-6280 or ande.frazier@peachtreeplanning.com.
About Ande Frazier
Ande Frazier, CFP®, CLU, ChFC, RICP, ChSNC, CDFA®, CEPA, CExP, is a Nationally-based financial advisor and thought leader with offices in Rome and Atlanta, specializing in behavioral finance and women’s financial empowerment. Through her private practice at Peachtree Planning, she works with individuals and families to align financial decisions with long-term life goals and values.
About Peachtree Planning
Founded in 1987, Peachtree Planning is an award-winning financial services firm dedicated to helping individuals, families, and business owners achieve financial confidence through thoughtful planning and personalized strategies. With offices across the Southeast, Peachtree Planning’s mission is to make a meaningful impact in the lives of its clients and communities.
For more information, visit www.peachtreeplanning.com.
Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 5600 Glenridge Dr., Suite 600 East, Atlanta, GA 30342.404-260-1600. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Peachtree Planning of North Georgia is not an affiliate or subsidiary of PAS or Guardian.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP board's initial and ongoing certification requirements. #8750798.2 Exp 2.2028