Retirement used to be funded by defined benefit plans, pensions, and Social Security, but that's not always the case anymore. With the economy shifting and Social Security funding marked by uncertainty, it has become important for individuals to fund their own retirement accounts. The best way to do this is by saving money in individual plans, such as 401(k)s, 403(b)s, and IRAs.

The overall economy isn't the only thing that's changed. Many women are now the primary financial decision makers in their households-even though historically women have been underserved by the financial...