The Seven Pearls of Financial Wisdom

A Woman's Guide to Enjoying Wealth and Power

Carol Pepper and Camilla Webster

St. Martin's Press

By two leading financial experts: an essential guide for every woman who wants to build, preserve, and enjoy her wealth.
Women control more than half of all wealth in the U .S., and in 2011 held the majority of jobs in the workforce. As women’s earnings, freedom and influence increase, the old sequential patterns of education, marriage, motherhood, and retirement no longer apply. A woman may set up a foundation in her twenties—when she sells her first company, support her family as the primary breadwinner in her thirties, start a new career in her sixties and remarry in her seventies. Today women cycle repeatedly but not in any traditional order through these stages: wealth building, romance and marriage, motherhood, power, crisis and loss, retirement, legacy building. In The Seven Pearls of Financial Wisdom, experts Carol Pepper and Camilla Webster offer women one invaluable pearl of wisdom for each of these key areas, helping them move beyond outdated financial-planning ideas to enjoy their power, transforming both their money and their lives.


Read an Excerpt



THE FIRST PEARL OF WISDOM we want to offer you is that a woman must build her own wealth. Traditionally, we have been raised to think that somehow, magically, our financial well-being will be taken care of by others, either by family inheritance or, more likely, by marrying a man who earns a lot of money.
It is understandable that most of us have never really considered the idea of building our own wealth; only in the last few years has it even been a realistic


Praise for The Seven Pearls of Financial Wisdom

A Library Journal Best Business Books 2012 Selection

"[A] gem of a book...Women in every phase of life, regardless of their financial status, will find something of interest in this guide to economic success. Men may learn something as well."--Library Journal (starred review)

"The growing economic power of women globally is undisputed. In The Seven Pearls of Financial Wisdom: A Woman's Guide to Enjoying Wealth and Power, authors Camilla Webster and Carol Pepper have created an excellent in depth action plan  for women and families in response to a changing world. It is must read for women in the 21st century." --Nouriel Roubini

"Women in history have long been at the center of wealth and power but never have so many women had the chance to control their financial destiny. In The Seven Pearls of Financial Wisdom authors Carol Pepper and Camilla Webster offer women a rich trove of practical direction and inspiring examples on how to enjoy their new level of power in the 21st Century."
--Dr. Amanda Foreman, Author of A World On Fire and Georgiana, Duchess of Devonshire

"Women often think it's too scary and too hard to take responsibility for their own financial destiny, and many wait for a man to do the job. But who needs Prince Charming when Carol Pepper and Camilla Webster have come up with all the answers? The Seven Pearls of Financial Wisdom is an impressively comprehensive guide that tells women everything they need to know to support and protect their economic interests at every stage of life."--Leslie Bennetts, Author of The Feminine Mistake: Are We Giving Up Too Much?

"The Seven Pearls of Financial Wisdom is an extraordinary helpful guide for women in all aspects of wealth management. The book offers practical solutions to real world issues such as divorce, trust and estate planning and creating investment policy. A must read for all high-net-worth women and the advisors who serve them."--Kristen Oliveri, Managing Editor, Private Asset Management

"A must-read, Camilla Webster and Carol Pepper are empowering women to boldly step into their power and navigate a whole new economy in which women are the major players. Most importantly, they are blazing a trail for future generations of women to experience and enjoy unprecedented financial freedom."--Natalie MacNeil, Founder and Editor-in-Chief, She Takes on the World Inc.

 “Finally, a realistic financial bible for the modern American woman! The Seven Pearls of Financial Wisdom is a wealth of surprising information for a new generation of women who are getting married and having children later than ever before, if ever. From how much it actually costs to prepare for a romantic date, to what you need to save to preserve your fertility now, and invest in your fertility years down the road, read this book and empower yourself.”--Melanie Notkin, Founder and CEO, SavvyAuntie.com and national best-selling author, Savvy Auntie.

"The Seven Pearls advice on starting your own business, building your own wealth, and banking on your appearance are spot on. As successful female entrepreneurs, Camilla Webster and Carol Pepper not only talk the talk, they walk the walk. The book demonstrates to women what can be achieved in and alongside corporate America. Don't miss out on a single pearl – this information is priceless!" -- Liz Lange

"With wisdom, perspective, insight, pragmatism, and emotional intelligence, Carol Pepper and Camilla Webster here deliver invaluable and timeless guidance that investors all over the world can effectively apply to improve their investment performance."-- David M. Darst, CFA, Managing Director and Chief Investment Strategist, Morgan Stanley Smith Barney

"As a committed alumna of Bryn Mawr College, Carol has generously shared her financial advice with our students and alumnae alike.  In collaboration with Camilla Webster, she now makes her guidance available to a wider audience.  They draw upon both data and life stories to provide women with advice on developing and maintaining lifetime financial independence.” --Jane McAuliffe, President, Bryn Mawr College

Reviews from Goodreads



  • Carol Pepper and Camilla Webster

  • Carol Pepper has worked as a top adviser to ultra-wealthy families for more than twenty-five years. She is the Founder and CEO of Pepper International, an award winning family office in New York City, which celebrated its ten year anniversary in 2011.  Carol advises global families who have over $100 million on all aspects of wealth management and how to transfer their fortune successfully to the next generation.  Carol is a highly sought after global speaker and is regularly quoted in the top financial press.  Prior to starting her firm, Carol managed over $1 billion of private client assets as a Portfolio Manager at Rockefeller & Co., a family office founded by the Rockefeller family.  Carol was also a Principal at Morgan Stanley and a private banker at JP Morgan and Credit Suisse. 

    Camilla Webster is a Forbes contributor and top international journalist who covers Wall Street, the global economy, technology, billionaires and women’s wealth. She is a regular guest on The John Batchelor Show on WABC Radio and has appeared multiple times on MSNBC, CNBC, and Fox News. As a producer for Fox News, CBS News and a broadcast news editor for The Wall Street Journal she has covered business and world affairs from Baghdad to Washington DC. Her articles have been published in the Wall Street Journal, the New York Post and MarketWatch.com. She twice represented Forbes at the World Economic Forum’s annual meeting in Davos, Switzerland and is a respected moderator for conferences on investment and economic development. Camilla is also the co-founder of the popular website nynatives.com.  

  • Carol Pepper
  • Camilla Webster
    Camilla Webster


Carol Pepper Camilla Webster

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Available Formats and Book Details

The Seven Pearls of Financial Wisdom

A Woman's Guide to Enjoying Wealth and Power

Carol Pepper and Camilla Webster

Library Journal Best Books of the Year


St. Martin's Press