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.

If a woman was successful, she wasn't helping other women.

What I saw a thousand times during the downturn was, 'We'd like to give her that opportunity, but we need to go with the sure thing - we can't afford diversity right now,'

In our corporate culture, because someone may have to take some flexibility because of family issues, somehow we continue to believe they aren't fully dedicated.

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.

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.

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.