. >> lauren palmer, a south carolina home owner helps families face the finality of passing on. making the arrangements is, she knows it's time to ramp up her planning for her own financial future now. >> i have learned as families preplan and they come in and they make funeral arrangements and pay for nem in advance. like weiss, that same principal is for retirement planning. >> careful planning is also important for her son's future as well. but for this 56-year-old, staying on track has not been easy. >> i have been through a divorce. i have raised a son as a single parent. i have educated my son. he has been to college. mortuary school and then the crisis of the debt of every member of my family that has been in the business occurred. >> many women face similar obstacles that impacted their retirement savings. >> we found there was a challenge with the women to be able to save the way they would like to save because of their families' needs needing to come first. a recent study by the state farm center at the american college found that only 42% of woman surveyed save a cert