Empowering Women

Our vision is to create a world where every woman is clear to her needs and desires; engaged in her own financial affairs and confident in using her natural strengths when making financial decisions.

Women are more inclined to take a holistic approach when making decisions about money. They tend to look at money as a way to feel safe and secure and often times feel burdened with worries that go along with the increasing responsibilities of managing their money.

At KD Benefits we’re women helping women and we’re committed to educating and empowering women.

Women want to work with an advisor who understands and respects their priorities and who is willing to educate and empower them to make good, confident financial decisions.

A recent study conducted by Allianz revealed that while women are assuming control over more wealth then ever before 90% of women feel at least somewhat financially insecure. And the studied also revealed that a lack of sufficient knowledge is the biggest barrier preventing women from getting more involved in managing their savings.

Each stage of a women’s life helps define her values and presents an opportunity for personal growth. The outcome of these stages can shape her relationship with others and is reflected by a range of emotions such as freedom, security, uncertainty, happiness, fear, fulfillment, and confidence. At the same time, life events may bring unexpected change and disrupt her daily routine. Certain challenges are expected at specific stages in life, while others are “out of sequence” and entirely unpredictable.

Understanding this complex interaction between life events and a woman’s stage in life can provides us insight into the emotions that shapes her immediate financial needs and concerns, and impacts her long-term financial goals.

It’s during these stages of life and defining life events that women most need the guidance of a qualified financial professional in helping her take control of her financial future.

College/Career planning – As she gets started in a profession, changes jobs, goes back to college, moves up the career ladder, or starts planning to send children to college, she wants to make sure that she’s covered financially for unexpected expenditures.
Family – Whether she’s moving in together with a partner getting married , or having a child, changes in her family status mean changes in her financial security needs.
House and home – Whether buying a first home or downsizing to a condominium, she needs the right financial strategies to help her purchase and protect the things she holds valuable.
Starting a business – Becoming self-employed or starting a business is a big step that brings new challenges and responsibilities. Financial security forms the basis for her business success.
Starting over – Is she becomes divorced, widowed, or finds herself in an “empty nest,” changes to her family dynamics may involved additional challenges she didn’t originally plan for, and her financial plans can change unexpectedly.
Retirement – If she wants to maintain her standard of living during retirement she has to plan carefully. Social Security may not be enough. Making the right financial decisions now can have an enormous impact on the dynamics of her future.

By understanding a woman’s values and emotions we’re able to relate to her sense of financial security, and can lead her through all life stages and events – we can be a link between values and emotions and the financial solution that best addresses them.

These defining stages and events in a woman’s life present opportunities for us to help her overcome her financial obstacles and achieve her long-term financial goals.

There are also some startling statistics that show women now more then ever, need to get involved and take control of her financial future.

50% of marriages end in divorce – most women end up with children
In the first year after a divorce a woman’s standard of living drops an average of 73%
47% of women over the age of 50 are single
Women are away from the work force an average of 14.7 years as compared to 1.6 years for men.
Women’s retirement income is less than that of men
Women outlive men on the average of 7 years

Let us spend time with you and help you identify your needs and present a well thought out, proven solution.