No, it depends on life stage issues.
I think that some of the concerns that we see are really prevalent to family caregiving norms. We have heard time and time again older women say that it just didn't occur to them, because they were too busy raising their kids or they were hoping that their Sears pension would be safe, but all of a sudden they don't have a pension anymore. Careful planning of course is important for everybody and I would offer that careful planning is even more important for single women, who are overwhelmingly the poorest cohort.
In terms of people who are doing their planning, what we know is that life stages are opportunities to support greater understanding about tools and mechanisms, whether that be having children, going back into the workforce, applying for a job, divorce, or death of a loved one.