ST. LOUIS, Nov. 26, 2012 /PRNewswire/ -- Even though women directly control 33 percent of all wealth in North America – and wield substantial influence over the rest -- 70 percent of women surveyed in a 2010 study by CAIM LLC titled What Women Want: Understanding the Modern Female Investor, felt dismissed by their advisors, and many felt intimidated by financial planning. This is where Ken and Lori Heise of Heise Advisory Group in St. Louis, Missouri, offer a rare and valuable dynamic in financial planning services: a dual perspective from a husband and wife team. Together, Lori and Ken Heise have over 45 years of combined experience with financial planning, but their clients – most of them couples who are five years away from retirement or already retired – value their male and female perspectives on their plans. Ken says, "A lot of people like working with a husband and wife team. It's a unique setting. They're not used to meeting with two people at once, and having both of us to talk to provides them a sense of comfort. We ask them to come in as a couple, instead of the husband or wife coming alone." Most of their clients are husbands and wives who plan their retirements as they've lived their lives together - as a team. In a century in which people are living longer than ever, the worry that money will run out is the number-one concern for retiring couples, and especially for women. In the United States, 80% of women outlive their spouses by an average of 14 years; and an AARP study reports that women born between 1946 and 1964 say their greatest fear is not having enough money to support themselves in their later years. "Financial Security in any economy" is the Heise Advisory Group's slogan. Their goal is simply to give their clients peace of mind "so they can spend their monthly income with confidence, knowing that it's secure for the rest of their lives, even if the market drops, even if interest rates stay low," says Lori.