I think anyone would need a lot more information to give a really meaningful reply to your question, msmart. Like when she might need the money, what her obligations and income it, risk tolerance, etc.
But in the most general context with long-term money and average risk tolerance, she probably can't go wrong with a target fund until she sorts things out a little.
Careful about giving this kind of advice - you could end up being blamed for the performance of the portfolio
. I like the idea of referring her to some independent advisor to at least get started.