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.

Women, girls and young ladies tend to be as good or better at math than boys, but you didn't think that either.

Women have different characteristics and needs than men do.

Men tend to leave their financial adviser at a single-digit-percent rate in any given year. And women leave their husband and their joint financial adviser in the year after their spouse's death at a rate of greater than 70 percent - seven-zero.

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.

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.

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.