Do women approach retirement differently than men? I wish I could say “no.” But my own personal experience with clients over the last decade-plus indicates otherwise. Check out these helpful retirement-planning ideas for women.

80% of men die married but 80% of women die single, says the Women’s Institute for a Secure Retirement. That means they’ll likely have to manage their own financial future. Yet many women tend to approach retirement planning cautiously, if at all. Some are afraid of making a mistake. Others worry they’re not knowledgeable enough, and retreat from financial decisions – or avoid the topic altogether. Here are 3 ways women can plan for a better retirement.