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.

The truth is, if you are a woman saving 10% of your income for retirement, and you put it in the bank account, your chances of retiring well - living on 90% of your pre-retirement income for your full life - is 0%.

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

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.

If a woman is making $85,000 a year, putting aside 20% of her income, putting it in a bank, earning very little...Over the course of her life vs. investing, this can cost her $1.5 million, $2 million, $2.5 million. Life changing amounts.

Companies that put a mandated parental leave in place save money in the first year, FIRST YEAR. Because they don't have to hire to replace the woman.

People say to me, 'Has being a woman helped or hindered your career?' And the answer is yes.