I had very good bosses, very good companies for which I worked. I worked in industries where the results really mattered; it wasn't the perception of results, it was just the facts.

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.

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

Fundraisers treat men completely differently than women. As a matter of fact, many of them have the default on their direct mail set up to read "Mister," and it really rankles a lot of women.

I want to buy a house. I want to retire well. I want to have baby.

There is absolutely nothing that beats hard 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.