Greater diversity drives better business results.

Something happens in the middle when women are in their 30s, and we can start with an array of things that happen, whether it is - you hope this doesn't exist any longer - but overt discrimination; whether it's subtle gender discrimination, which absolutely does exist among men and women; whether it's the fact that it gets hard to juggle at that point children, housework, etc. But people still have to go home and cook the dinner and clean the dishes and get the beds made and so on. And so, for a whole bunch of reasons, women tend to fall out in their 30s still today.

If you haven't had a major fail in your career - face-plant level - you aren't trying hard enough.

Women tend to live longer than men do. Women tend to have, unfortunately, their salaries peaked sooner than men's do. Both of these things are extraordinarily important in putting together financial and investing plans for women.

How about mandated parental leave.? Oh, okay. Less than 20% of companies in America have it. Most of them think about it as an expense. What's the bigger expense? The bigger expense occurs if women have babies and don't come back to work.

Women have different characteristics and needs than men do.

Women tend to have a better track record in investing - when they invest - than men do, because they tend to take a longer-term perspective. They tend to trade less. They tend to shift in and out of stocks or mutual funds less often.