Women have different characteristics and needs than men do.

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.

I would say one of the reasons that women don't invest to the same extent that men do, is because we still think of it in some ways as a male pursuit.

I can tell you that my experience has been that the gentlemen are more likely to come and ask for the order, ask for the raise, ask for the promotion, and that the women are less likely to do so.

There is absolutely nothing that beats hard work.

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.

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