As a woman, you face some unique financial challenges.  The way you approach managing your wealth can have a profound affect on how you take advantage of new experiences and enjoyments as you go through life.

Today, women are living longer and more vital lives as a result of medical advances. But, for many women, the gift of longevity has become one of the biggest threats to their financial well-being in retirement due to the rising cost of health care and uncertainty over government programs such as Social Security and Medicare.

As a Financial Advisor at Morgan Stanley Smith Barney, I understand the factors that make retirement planning even more critical for women. I also recognize that retirement isn't just about finances. It's about life and all of the family and career transitions that life often brings. That is why I offer all my clients access to Women & Co.'s^® membership program.

Women & Co. is a membership program designed by Citi for women who want objective education and access to current financial thinking.  Women & Co. complements our relationship, helping you create smart financial strategies by providing access to a powerful network of financially minded women, resources and education. 

Women & Co. members can tap into continuous support for their financial lives, including:

• Audio and Video Conferences: Learn from economists, portfolio managers, and other professionals

on matters such as financial planning, global investing, and philanthropy.

• Articles and Goal-Setting Tools: Take advantage of the comprehensive collection of tools and articles that can help you define and work towards your financial goals. Quickly and confidentially research your specific questions related to finance, law and regulation, taxes, and family services.
• Master Class Seminars and Special Events: Access a calendar of events where you can get up close and personal with knowledgeable professionals.
• Newsletters: Stay informed with the financial aspects of your life with monthly e-mails.

I believe the resources available through Women & Co. help me build stronger relationships with my clients and help us create a thorough, integrated life plan.  A plan that is flexible to adapt to changes in lifestyle, is consistent with your vision, and aligned with who you are as an investor and as an individual.

Whether you are thinking about retirement or have already retired, you understand that retirement is a chance to savor the life you've built, and to add new experiences and enjoyments to that life.

If you would like to learn more about my approach to retirement planning and Morgan Stanley Smith Barney resources, including Women & Co., please call me. 

Respectfully,

Morgan Stanley Smith Barney, LLC
Adrienne A Radakovic
Second Vice President, Wealth Management
Financial Advisor, FPS

One Sansome Street, 38th Floor

San Francisco, CA 94104-4448

Direct Line: 415-984-6612

Fax 415-984-6596

Toll Free 800-289-9060

Morgan Stanley Smith Barney is a division of Morgan Stanley Smith Barney LLC. Member SIPC. Accounts carried by Citigroup Global Markets Inc. Member SIPC. Citigroup Inc. retains a minority ownership interest in Morgan Stanley Smith Barney LLC.  

Women & Co. is a membership service that provides financial education and related resources intended for informational purposes only.  No feature of the membership shall constitute an offer or solicitation with respect to the purchase or sale of any security. Citigroup entities and Morgan Stanley Smith Barney LLC pay an annual fee to Women & Co. for expenses relating to the delivery of membership services to clients. A member is not required to be a customer of a Citigroup affiliate or Morgan Stanley Smith Barney LLC to enroll.  Women and Company, Women & Co., and Citi are registered service marks of Citigroup Inc.

Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.