Women who are in the middle of a transition -- whether it be a divorce, the death of a spouse, or the inheritance of a large sum of money -- often need specialized financial advice, but many of them may not know where to go, says Kimberly Howard, founder and owner of  KJH Financial Services in Needham, Mass.

That is one reason this group of clients is a specialty for this solo practitioner who also serves pre-retirees and younger, dual-income couples.

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