他她話題:女富豪的需要

Over the next 20 years, some $25 trillion will be passed to women through divorce, death of spouse or inheritance. They already make up just under half of the nation's millionaires. Combined with their growing earning and wealth-creation power, women may account for up for two thirds of the nation's wealth by 2030.

未來20年中，將有約25萬億美元的資產因離婚、配偶去世或遺產繼承而轉移到女性名下。女性現已佔了美國百萬富翁人口的將近一半。加上她們不斷增加的收入和創造財富的能力，2030年前女性將可能擁有美國三分之二的財富。

Those numbers have financial industry salivating over how to serve the women's market. Private bankers, brokers, trust companies, family offices and wealth managers are all asking the same question: What do wealthy women want?

Associated Press這樣的數據令金融行業對服務女性市場垂涎不已。私人銀行家、經紀商、信託公司、家族理財公司和財富管理公司都在問同樣一個問題：富有的女性想要什麼？

A new survey from The Family Wealth Advisors Council, a network of independent wealth advisers, gives some clues. Women, it says, want their advisers to understand their "life pictures" and "financial journeys" rather than just their investments. (Men, by contrast, might hang up if their broker asked about their "life picture".)

獨立理財顧問組織The Family Wealth Advisors Council進行的一項新調查提供了一些線索。報告說，女性希望理財顧問理解她們的“人生圖景”和“財務經歷”，而不止是她們的投資。（與此相反，如果男富翁的理財顧問打電話詢問他們的“人生圖景”，他們可能會掛斷電話。）

Fully 96% of the 550 female-millionaire respondents said it is "important for their financial advisers to spend a significant amount of time up-front to understand their entire life picture, not just their finances," the study said.

報告說，在受訪的550位女性百萬富翁中，有整整96%的人說，很重要的一點是，理財顧問要先花相當多的時間來理解她們的整個人生圖景，而不止是她們的財務狀況。

The report also said the women millionaires want their advisers to understand them "in terms of their unique profiles and values," and not to stereotyped by gender or "talked down to." They also want an adviser who "recognizes the importance of an authentic relationship."

報告還說，女性百萬富翁希望理財顧問能夠理解她們的獨特個人情況和價值觀，不要因爲她們的性別戴上有色眼鏡，或用高人一等的口氣和她們說話。她們還希望理財顧問能夠認識到建立一種可靠關係的重要性。

A majority of the single, widowed or divorced women-millionaires said they reach out to their financial advisers on non-financial matters. The study said working women reach out to their advisers for some "out-of-the-box" advice: from support on personal-health issues to family disputes, life coaching and other personal matters, the study said.

大部分單身、喪偶或離異的女性百萬富翁說，她們在非財務問題上也會請理財顧問幫忙。報告說，職場女性會向理財顧問徵求不“墨守成規”的意見：從個人健康問題、家庭糾紛，到人生指導和其他個人問題。

"Each successful woman is on a unique journey, and she expects her adviser to travel along with her," the study says. "The woman client will typically choose an adviser who listens well and can respond with case studies or anecdotes that illustrate the adviser's experience with similar clients."

報告說，每個成功女性都在經歷一個與衆不同的人生，她希望理財顧問能夠和她同行。女性客戶常常會選擇一位善於聆聽、然後能用案例或趣聞加以迴應的理財顧問，這些案例要能體現理財顧問與類似客戶打交道的經驗。

How do you think wealthy women and men are different when it comes to financial advice?

你認爲富有女性和男性在對待理財建議方面有何不同？