Today women are becoming more financially savvy, prominent and confident in the world of investing. But for many, it’s not simply a matter of picking up the phone and calling an advisor or using one of the many online investment websites. The nature and needs of women are unique, and understanding them is the first step toward being financially empowered. This seminar Women, Money & Power is designed to help women examine that first step for you. This seminar will be held May 23, 2012 from Noon to 1:30 pm. The cost is free; however you must have reservations, please call 805-934-5244.

This seminar will discuss the financially empowered woman and some of the factors motivating her. We’ll look at six potential financial scenarios that concern women, and how to take action. “After the presentation, it’s our goal that you’ll be able to relate to one or more of the scenarios outlined, and feel prepared to further empower yourself!” stated Delores Martini.

As Eleanor Roosevelt said, “In the long run, we shape our lives, and we shape ourselves. The process never ends until we die. And the choices we make are ultimately our own responsibility.” Taking charge of your financial future may sound like common sense advice. But consider these factors to understand why it’s more than just good common sense.

Women generally live longer than men, according to the Insured Retirement Institute (Source: IRI, Women and Retirement, January 2011), which is good news for women. But that means that most women will eventually become financially independent and will need to know how to make smart financial decisions. This seems like a natural fit since many women are already making the important and critical decisions within their family and their lives.

The truth is women are earning more money in the workforce than ever before. In 2009, women accounted for just over half of all workers in the higher-paying management jobs. Taking all of these factors into consideration, it seems clear that women should feel confident about contributing to and driving their financial future.

According to a LIMRA study, when asked what their most important reason for saving is, 54% of women responded that they are saving for retirement. While many women tend to be long-term thinkers, the study actually shows that more men are focused on saving for retirement. However, since many women leave the workforce for a number of years to care for a family, making up those missed savings is a priority.

And that’s smart because so many people have underestimated how much is needed to live in retirement and find themselves falling short. If you are concerned about saving enough for retirement, congratulations, you are already focused on your future and you need to attend this valuable seminar.

Delores Martini is a registered representative with, and securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through D. Martini & Associates, a registered investment advisor and separate entity from LPL Financial. Asset allocation does not ensure a profit or protect against a loss.  CA Insurance License #0A08073. Variable annuities are suitable for long-term investing, such as retirement investing. Withdrawals prior to age 59 ½ may be subject to tax penalties and surrender charges may apply. Variable annuities are subject to market risk and may lose value. You should consider the investment objectives, risks, charges and expenses of the variable annuity and underlying investment options carefully before investing. Prospectuses containing this and other important information about the variable annuity and underlying investment options will be available at the seminar. Read carefully before investing.