Financial Fitness:

1

• Financial Fitness
• What Every Woman Should Know

ByLinda Descano, CFAChief Operating
OfficerWomen and Company

2
Disclosure Statement
Women and Company is not registered as a
broker-dealer nor as an investment advisor.
Brokerage services and/or investment advice are
available to Women and Company members through
Citigroup Global Markets Inc., member SIPC, and
Citicorp Investment Services, member NASD/SIPC,
and affiliates of Citibank. All references to
Women and Company Financial Professionals refer
to registered representatives who are employees
of Smith Barney, a division of Citigroup Global
Markets Inc., or Citicorp Investment Services
that have elected to service Women and Company
members. Through Women and Company, members can
access information about Women and Company
Financial Professionals however, Women and
Company does not recommend or otherwise assist a
member in selecting a specific financial
professional. Members are free to select
financial professionals other than those
affiliated with Citigroup. Other financial
professionals may offer similar services at
different or lower rates than Citigroup Global
Markets Inc. or Citicorp Investment Services.
Women and Company and Women Co. are registered
service marks of Citigroup Inc. Women and Company
is a division of Citigroup. Smith Barney is a
division of Citigroup Global Markets Inc.
Citigroup Global Markets Inc. and Citicorp
Investment Services are subsidiaries of Citigroup
Inc. The Women and Company program is a resource
within Citigroup accessed by its numerous
subsidiaries for assistance in better serving the
women's market. In consideration of this
assistance, certain of such subsidiaries,
including Citigroup's Global Consumer Group and
Smith Barney, a division of Citigroup Global
Markets Inc., reimburse certain expenses of Women
and Company. Neither Women and Company, Smith
Barney nor Citicorp Investment Services provide
legal or tax advice you should consult with your
own tax or legal advisors.
3
How Well Do You Know the Financial Facts of A
Womans Life??
4
THE FACTS
About what percent of wives outearn their
husbands? ? 10 ? 30 ? 50

5
THE FACTS
About what percent of wives outearn their
husbands? About one-third.
Source Business Week, 2003
6
THE FACTS
Who tend to be better investors all-women
investment clubs or all-male clubs?

7
THE FACTS
Who tend to be better investors all-women
investment clubs or all-male clubs? All-Women
Investment Clubs All-female investment clubs
outpaced all-male investment clubs with average
compounded lifetime annual returns of 23.8 vs.
19.2.

Source Wow! Facts, 2002
8
THE FACTS
What percentage of your pre-retirement income
will you need to maintain your lifestyle after
you stop working? ? 40 ? 75 ? 90

9
THE FACTS
What percentage of your pre-retirement income
will you need to maintain your lifestyle after
you stop working? 75-90

Source American Savings Education Council, 2004
10
THE FACTS
What is the likelihood that a 65-year old woman
will live until age 88? ? 25 ? 50 ? 75

11
THE FACTS
What is the likelihood that a 65-year old woman
will live until age 88? 50 And theres a 25
chance that shell live until age 94.
Source MetLife Mature Market Institute, 2004
12
THE FACTS
Whos at more risk of outliving their savings
men or women?

13
THE FACTS
Whos at more risk of outliving their savings
men or women?
Women

Source National Council of Womens Organization,
2003 The National Womens Health Information
Center, 2003
14
Are You Prepared? Ten Steps to Financial Fitness

15
1. Organize A Support Network
16
2. Get Your Financial Paperwork in Order
17
3. Get Educated About Your Money
18
4. Prepare A Household Budget
19
5. Determine Your Money Goals and Values
20
6. Develop a Life Plan And Stick To It
21
7. Address the What Ifs
22
8. Evaluate Your Own Long-Term Care Needs
23
9. Protect the Wealth You Are Accumulating
24
10. Stay Informed and Engaged
25
The Women and Company Membership

• Financial Education on Lifes Financial Issues
• Access to Consultative Resources on Issues with
  Short-and Long-Term Financial Consequences
  Taxes, Real Estate and Care Giving
• Savings and Discounts on Various Products
• Access to the Resources of Citigroup

26
Women and Company www.womenandco.com