Women hold more wealth than at any point in history—and their financial influence is set to grow considerably. According to Cerulli Associates, women are positioned to inherit $52 trillion by 204 as major players in the broader $124 trillion Great Wealth Transfer—the multi-decade movement of assets from older generations to their heirs that the research firm projects will run through 2048. Beyond inheritance, women are accumulating fortunes as they rise into top-level roles, and wealth management professionals say the industry is already preparing to meet the moment.

The remarks came at Fortune's Most Powerful Women Summit, where financial services executives said women are at the helm of a major financial opportunity.

Anna Maria Nekoranec, CEO and cofounder of Align Private Capital, noted that women are amassing significant fortunes as they succeed in business and take over boardrooms. Helping women who are stepping into wealth make smart decisions with their money is her "personal mission," she said, because she believes "we can change the world with it."

"We have a perfect storm because it's not just this wealth transfer," Nekoranec told leadership editor Claire Zillman during the discussion. "What we're seeing is this acceleration of super talented women reaching higher levels of organizations, getting higher comp, and getting stock…These windfalls need to be planned for."

Mitra Best, founder and CEO of fintech firm Avvra, added that the rise of artificial intelligence is turbocharging women's net worths. As an investor and AI scientist, Best said she has witnessed how the industry's wealth is "imbalanced," with decisions made by a select few at the top—a dynamic that led her into financial services to help women invest in "where the future is going to be." She wants Avvra to act as women's eyes and ears on which companies are getting funding, which technologies are drawing money, and which issues are getting solved.

"Who writes the checks funds the future," Best said.

The wealth management leaders collectively urged women to take matters into their own hands. They acknowledged that life can get busy, with many women working full-time jobs while shouldering the majority of housework and family responsibilities. But to build wealth, they said, women need to make time on the books.

Karla D'Alleva Valas, head of private wealth management at Fidelity, urged women to make their financial futures a priority by carving out meetings to actively manage their money. An estimated 53% of women's assets are currently unmanaged by professional advisors, according to McKinsey & Company, compared with 45% for men. That gap represents a $10 trillion market opportunity for wealth managers—and a chance for women to take greater control of their financial futures. It also helps explain why the panel kept returning to engagement: the money is already in women's hands, and the open question the executives posed is how deliberately it gets managed.

"All of us need to measure ourselves on our level of engagement. Meeting with your financial advisor—if you have one—one time a year, that's your choice," D'Alleva Valas said during the discussion. When women put in the effort and set a financial strategy, she said, they can "optimize their blood, sweat, and tears" to grow paychecks and investments into fortunes.

With Cerulli's projection running through 2048, that 53% unmanaged share now serves as a concrete benchmark to watch: as inheritances and executive windfalls arrive, any shift in how much of women's wealth sits with professional advisors will indicate how much of the "perfect storm" becomes planned, rather than incidental, wealth.

This story was originally reported by Fortune.