I understand Merrill has the best financial planning software in the industry. 

 <?:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />

How many of you veterans actually use this stuff?  Personally, I think it will be very useful for a rookie.  But for someone who has years of experience, I imagine you don’t use it much. 

Which is better at picking funds and allocation: the software or an experienced broker?  Ok- experience vs. technology?