This Major Research Project examines the financial agency of immigrant women in the Greater Toronto Area, aged 35 to 54. While much of the existing literature and policy attention focuses on financial access, particularly for younger newcomers, this research argues that access alone is an insufficient measure of inclusion (Lyons, Grable & Zeng, 2017; World Bank, 2023). For immigrant women in midlife, the deeper challenge lies in the distance between entering the financial system and being able to navigate it with confidence, understanding, and long-term purpose. This group remains underserved not because services are entirely absent, but because those services were not designed around the realities of their lives (FCAC, 2021; Bhabra, 2023). The study draws on a mixed-method approach combining secondary research, questionnaires, semi-structured interviews, a co-design session, systems thinking, causal layered analysis, and strategic foresight tools including the Three Horizons framework. Primary research was conducted with immigrant women across the GTA between December 2025 and March 2026. Findings reveal that financial difficulty for this group is shaped by overlapping structural conditions including immigration status, labour market precarity, caregiving responsibilities, language barriers, and limited access to trusted guidance (Premji & Shakya, 2017; FCAC, 2023; Statistics Canada, 2022). Exclusion appeared less as an absence of products and more as friction: uncertainty about whom to trust, confusion around long-term planning, and the emotional burden of managing money alongside migration and family responsibility (Gladstone et al., 2021). In response, the research proposes a set of guiding principles and intervention pathways oriented towards long-term financial agency rather than short-term financial access. These include trust-based community circles (Hossein, 2017), financial navigation support, care-responsive design (ILO, 2024; UN Women, 2023), multilingual education, and community-institution partnerships. Guided by a strategic foresight and innovation framework, the research contributes to a growing conversation about what meaningful financial inclusion looks like for a population that is too often treated as a single category rather than a diverse group of women moving through different financial journeys at different stages of life (Lightman & Good Gingrich, 2018).