Companies that put a mandated parental leave in place save money in the first year, FIRST YEAR. Because they don't have to hire to replace the woman.

Women have different characteristics and needs than men do.

The truth is, if you are a woman saving 10% of your income for retirement, and you put it in the bank account, your chances of retiring well - living on 90% of your pre-retirement income for your full life - is 0%.

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.

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 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.

Women tell us that they do feel patronized. They do feel like they don't have the time and the space to have their questions answered.