"To start, I suggest this young woman makes sure her planner actually offers financial planning and isn’t just a seller of mutual funds."

No to start I suggest this young woman makes sure her planner is just that a planner and not a seller of mutual funds.  Sad to say but dealing with anyone who sells product is suspect given the potential for distraction from the primary task at hand.  

Unfortunately the advice went downhill from there.  Really the best advice you could offer is to identify a house as a short term goal and retirement as a long term goal.   With the inferred suggestion that money you need within 5 years should be parked in a bank account and that mutual funds and ETFs should form your longer term investment plan.????

"The best thing a parent can tell his or her 24-year-old about preparing for a lifetime of investing? " is to avoid reading Rob Carrick advice columns.