Two-thirds of women will be alone in retirement so it is imperative we get more women involved in their financial lives now.

And while a lot of the problem is the lack of confidence in making investment decisions, much of has to do with the financial advisory industry, says Carol Schleif, deputy investment officer at Abbot Downing, the high-net worth arm of Wells Fargo (WFC - Get Report) . 

"A lot of [advisors] want to make it complicated and it doesn't have to be," says Shleif.

It just has to be tackled, head-on.  Women can't be ignorant and presume they won't have to deal with their finances at some point. Because the odds are good it will.

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