I can’t disagree with the idea that couples that don’t know where to get started should see a financial planner. But for goodness sakes, make sure it’s a fee-only one!
If you go to one of those people that has a fishbowl for business cards at the coffee shop offering “free retirement seminars”, you are going to get sold some really awful things, ranging from variable annuities, Whole Life insurance, and overpriced mutual funds.
If a planner is getting paid BY your investments, he/she almost certainly does not have your best interests in mind. Find a planner that gets paid (by you) FOR your investments. (Or, better yet, find one that will bill you by the hour to get started that you won’t have to talk to for a few years.)