This report highlights the findings of the 2009 survey and focuses on issues in the survey specifically as they relate to retirement concerns unique to women. Women, on average, outlive men by three to four years and, as a consequence, they represent a majority of older Americans. Therefore, an understanding of the post-retirement risks that women face today is particularly important for them. This report evaluates these retirement planning concerns in light of an aging American society and recent economic challenges exacerbated by the financial turmoil of 2007-2009, in particular the volatility in equity and real estate markets. It concludes with general observations about the risks and challenges facing seniors in this rapidly changing economic and financial environment, how prepared they are to confront these risks, and the importance—especially for women—to take greater individual responsibility in managing their own retirement assets.