If you want to increase the number of women clients you serve,and strengthen relationships with existing female clients, keepthese facts in mind:

1. Only 36 percent of women say they currently have afinancial advisor;

2. 77 percent of women who do have advisors use them mainly forretirement investment recommendations; and

3. Women feel far less confident than men about reachingfinancial security in retirement, forseveral valid reasons--greater longevity, lower Social Securitybenefits, fewer years of retirement plan participation.

These conclusions are drawn from the 15^th Annual Transamerica RetirementSurvey of Workers.

After reviewing this fact sheet, one of the most effectiveprospecting strategies for reaching women in your market should beclear: Offer women of all ages a free retirement needs analysis(RNA).

An RNA, also called a “retirement gap analysis,” is a coreplanning document for women, because it helps to determineinvestment risk tolerance. Unlike men, who often accept higher riskfor higher returns, women generally are willing to risk retirementfunds only to achieve greater financial security.