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.

Something happens in the middle when women are in their 30s, and we can start with an array of things that happen, whether it is - you hope this doesn't exist any longer - but overt discrimination; whether it's subtle gender discrimination, which absolutely does exist among men and women; whether it's the fact that it gets hard to juggle at that point children, housework, etc. But people still have to go home and cook the dinner and clean the dishes and get the beds made and so on. And so, for a whole bunch of reasons, women tend to fall out in their 30s still today.

Women tend to have a better track record in investing - when they invest - than men do, because they tend to take a longer-term perspective. They tend to trade less. They tend to shift in and out of stocks or mutual funds less often.

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.

I'm really putting my life towards helping women to invest, and there's a circular reference here because if women can invest and give themselves the opportunity to earn higher returns, they can start those businesses. They can go to work with a little more confidence to ask for that promotion, to ask for the new assignment, etc.

I was lucky. My children didn't have health issues, didn't have big school problems, etc. And as I watched some of my peers go through this, you can see how quickly a family can get derailed when they are not lucky.

Technology is going to play an increasingly, increasingly, increasingly important role in every industry. And it's good.