There is absolutely nothing that beats hard work.

Women tell us that they do feel patronized. They do feel like they don't have the time and the space to have their questions answered.

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

I love what's going on these days with these powerful women who are really working to make a difference.

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.

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.