Hermit
Thinks s/he gets paid by the post
Somehow I'd find this more convincing if it wasn't hosted on a site dedicated to investment advisers. Of course they recommend using an adviser. There may be lots of good reasons to use an adviser, but "because advisers recommend you use advisers" isn't one of them
Even with this sounding very reasonable, I would have a hard time having my DD read this and at the same time start implementing the suggestions. My DD, being the prudent person that she is may take me in to have me evaluated for basing my financial planning at any level on someone named "Psycho Analyst" in an internet article without even so much as a reference.
If, on the other hand, I could find references for the information provided, it would be a good starting point for discussions that should be coming up sooner rather than later.
With no references, its just another internet puff piece.