only take someone over 45???   most of my business is 401k rollovers as someone changes jobs or leaves employment (starts family)----most of the women who leave their jobs to start a family are under 45.  Many people under 45 who change jobs and roll a 401k have well over 50k and often over 100k in those 401ks. 

in fact, I would say opposite.....most people over 45 are not going to be changing jobs or retiring very soon or making changes to investments ie....very little business there.  They spend alot of money and use discretionary income on high school and college kids.