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This perceived disparity in service arose from several key disconnects in the relationships and communications between women and their financial advisers. Manisha Thakor, Chartered Financial Analyst and women's financial literacy advocate, offers some steps savvy female investors can take to avoid being under-served by their wealth managers and investment advisers:
1. Find your adviser and get your financial education from women-run resources.
The financial services industry is dominated by males and therefore the "DNA is structured around the male experience," Thakor explains,
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Thakor recommends women use women-created resources like LearnVest and DailyWorth to educate themselves in order to avoid the intimidation factor when talking about investment products with their advisers. She also encourages women to consult Garrett Planning Network, founded by Certified Financial Planner Sheryl Garrett, to locate a local certified financial planner who works on an hourly-fee-only basis. Taking these steps,
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2. Expressly state your ideal career trajectory, then ask how you should alter your investment plans accordingly.
In the BCG study, women stated that their investment advisers fundamentally misunderstood what was actually important to them, and recommended a too-narrow range of inappropriate investment vehicles as a result. Many said their advisers assumed they had a lower risk tolerance than they actually did,
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Thakor offers women a script of sorts to remedy this communication disconnect. "Go in and say: "I want to be a mom and I may take X amount of time out of the work force,
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3. Start saving early.
"Assume Jane starts saving at 45-years-old, because she spends her money on grooming in her 20s and on her children in her 30s. Joe, on the other hand, starts saving at 25 years old," Thakor posits. "Each saves $5,000 a year, with an average 7% annual growth until they are 65 years old. Joe will have a million dollars at age 65, while Jane will only have $200,000 -- the head start gives Joe five times as much cash as Jane!"
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