Facts are that the financial advisers on Wall Street today or anywhere depending on which firm, what point in time - 85 to 88 percent male, and that is part of why investing for women they tell us feels unapproachable because they don't see people who look like them.

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

When I started on Wall Street, there was pretty good diversity in those junior ranks. And you know what? It hasn't made it to the top.

Typically, when you ask a financial adviser sitting with a couple: Do you treat the man and woman differently? They say, "No!"

If it comes down to your ethics vs. a job, choose ethics. You can always find another job.

Greater diversity drives better business results.

Women tend to very much, very much think of money as a means to an end, not as an end in itself.