Financing retirement is a major concern, especially for women. The present paper reviews significant changes to Australian retirement incomes that require greater individual responsibility for saving, planning, and managing retirement finances. Data on women's financial situation and planning for retirement, and the possible reasons for their limited superannuation accumulations, are explored. The implications for social work of the requirement that women develop capacity for financial planning and management before, as well as in old age, when physical and cognitive capabilities may be compromised, are discussed.