他她话题: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.

未来20年中，将有约25万亿美元的资产因离婚、配偶去世或遗产继承而转移到女性名下。女性现已占了美国百万富翁人口的将近一半。加上她们不断增加的收入和创造财富的能力，2030年前女性将可能拥有美国三分之二的财富。

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这样的数据令金融行业对服务女性市场垂涎不已。私人银行家、经纪商、信托公司、家族理财公司和财富管理公司都在问同样一个问题：富有的女性想要什么？

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".)

独立理财顾问组织The Family Wealth Advisors Council进行的一项新调查提供了一些线索。报告说，女性希望理财顾问理解她们的“人生图景”和“财务经历”，而不止是她们的投资。（与此相反，如果男富翁的理财顾问打电话询问他们的“人生图景”，他们可能会挂断电话。）

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.

报告说，在受访的550位女性百万富翁中，有整整96%的人说，很重要的一点是，理财顾问要先花相当多的时间来理解她们的整个人生图景，而不止是她们的财务状况。

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."

报告还说，女性百万富翁希望理财顾问能够理解她们的独特个人情况和价值观，不要因为她们的性别戴上有色眼镜，或用高人一等的口气和她们说话。她们还希望理财顾问能够认识到建立一种可靠关系的重要性。

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.

大部分单身、丧偶或离异的女性百万富翁说，她们在非财务问题上也会请理财顾问帮忙。报告说，职场女性会向理财顾问征求不“墨守成规”的意见：从个人健康问题、家庭纠纷，到人生指导和其他个人问题。

"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."

报告说，每个成功女性都在经历一个与众不同的人生，她希望理财顾问能够和她同行。女性客户常常会选择一位善于聆听、然后能用案例或趣闻加以回应的理财顾问，这些案例要能体现理财顾问与类似客户打交道的经验。

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

你认为富有女性和男性在对待理财建议方面有何不同？