Retirement used to be funded by defined benefit plans, pensions, and Social Security, but that's not always the case anymore. With the economy shifting and Social Security funding marked by uncertainty, it has become important for individuals to fund their own retirement accounts. The best way to do this is by saving money in individual plans, such as 401(k)s, 403(b)s, and IRAs.

The overall economy isn't the only thing that's changed. Many women are now the primary financial decision makers in their households-even though historically women have been underserved by the financial community.

This guidebook seeks to help you

make financial decisions that will promote financial security for yourself and your family;

compare investment choices and pick the ones that are best for you;

manage the tax implications of withdrawals; and

pursue strategies that improve your chances of maximizing returns.

The cost of retirement continues to go up, along with health-care costs and prices for necessities like food and gasoline. It's time to take responsibility for your retirement; you can start today with Women & Retirement Planning.