You have six math Ph.D. Caucasian gentlemen from the Northeast of the country, great. You put one more in the mix, you haven't added much. It's only when you add something different that you really are able to accomplish more.

Women, girls and young ladies tend to be as good or better at math than boys, but you didn't think that either.

The industry financial advisers, on average about 85% male, tends to be a more mature financial adviser - so I think in their 50s, really. For so many companies, in their 60s. In fact, there is one company that was telling me they had more financial advisers over the age of 80 than under the age of 30.

If you're not making some notable mistakes along the way, you're certainly not taking enough business and career chances.

Women have different characteristics and needs than men do.

Technology is going to play an increasingly, increasingly, increasingly important role in every industry. And it's good.

Emerging investors want to invest differently. They want to have their dollars - their investment dollars - do double duty.