Emerging investors want to invest differently. They want to have their dollars - their investment dollars - do double duty.

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%.

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.

What I saw a thousand times during the downturn was, 'We'd like to give her that opportunity, but we need to go with the sure thing - we can't afford diversity right now,'

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.

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.

A computer can have so much more in its brain that a human can.