Published: August 10th, 2025
By: The Her Financial Frequency Team

In our last episodes, we introduced different types of funds and how they work. But knowing about funds is only the beginning. Today, we’re moving one step further—into building a financial plan and investment strategy that can actually carry you toward financial freedom.

If you’ve been listening and thinking: “I get what funds are, but I don’t know how to put this all together for my real life,” this post is for you.

Why You Need a Strategy (Not Just Investments)

Investing without a plan can get emotional. Markets rise and fall—even in long-term upward trends, there are dips along the way. Without a strategy, you risk pulling out too soon, missing gains, or holding too long and losing ground. A financial plan keeps you grounded, gives you clarity, and helps you make smarter choices when emotions run high.

Step 1: Define Your Financial Goals

Everything starts with your goals. Ask yourself:

> Are you preparing for retirement?

> Saving for a home?

> Paying for college?

> Building wealth for financial freedom?

Your goals evolve with life. What you need in your 30s won’t be the same in your 50s. For example:

> In your early career, maxing out your 401(k) might make sense.

> In your 50s, cash flow and liquidity could matter more than long-term lockups.

> For retirees, income and flexibility often outweigh aggressive growth.

Pro tip: Be honest about your stage of life and set multiple goals if needed. You may want retirement savings and cash flow and a house down payment—all at once.

Step 2: Diversify Your Portfolio

Diversification simply means spreading your money across different types of investments so you’re not reliant on a single source of returns.

For example, a woman in her 50s preparing for retirement and considering a future home might build a portfolio like this:

> Multifamily syndications (3–5 year horizon): Mid-term investments with potential appreciation.

> Single-family rental property: Steady cash flow if purchased wisely.

> Private credit or debt funds: Shorter-term investments offering monthly or quarterly distributions.

Each investment type serves a different timeline: some provide cash now, others build wealth for later.

Step 3: Rebalance Regularly

A financial plan isn’t “set it and forget it.” You need to rebalance—adjust your investments over time to stay aligned with your goals.

Think of it like trimming a tree: if one branch grows too heavy, you prune it back so the whole tree stays balanced.

How often should you rebalance?

> Monthly check-ins: Monitor progress and review reports from fund operators.

> Every 6 months: Step back and assess whether you’re still on track with your goals.

> When major events happen: Market shifts, operator changes, or a big life decision (buying a home, retiring, etc.).

Note: In real estate funds or syndications, operators (also called sponsors or general partners) make day-to-day decisions. As a passive investor, your role is to vet operators carefully, track their updates, and decide whether you want to reinvest with them when a project closes.

Step 4: Build Your Financial Community

Money can feel overwhelming—and honestly, the traditional education around it is dry and confusing. That’s why finding a financial community or tribe is so powerful.

Being surrounded by people who share your values, goals, and curiosity makes investing less intimidating and more empowering.

Where to look for community:

> Real estate investing groups (local meetups or online).

> Masterminds and financial education groups.

> Her Financial Frequency and Hudson Lewis Group (we’ll link resources in the notes).

Pro tip: Not every group will be your fit. Some focus only on money, while others emphasize impact, alignment, and long-term growth. Explore, attend events, and choose the people who resonate with your vision.

Putting It All Together

To move from simply knowing about funds to actually building wealth, follow these four steps:

> Set clear financial goals.

> Diversify your portfolio across different timelines and asset types.

> Rebalance regularly to stay on track.

> Find your financial tribe for education, support, and accountability.

With these foundations, you’re not just checking boxes at your job’s retirement portal—you’re becoming an active participant in your financial future.

Final Thoughts

Building wealth isn’t about doing everything perfectly. It’s about staying intentional, adjusting as life evolves, and surrounding yourself with people who share your values. As we like to say: We learn together, and we earn together.

Thanks for joining us for this conversation on Her Financial Frequency. If you found it valuable, share it with a friend who’s ready to grow her wealth and subscribe so you never miss an episode.

Your financial frequency is rising. Stay curious. Stay empowered.

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Remember: Wealth isn’t just about numbers — it’s about energy, alignment, and intention.

Her Financial Frequency: Helping women stop playing small and start building legacy wealth with purpose.

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