After dealing with the basic lack of humans to talk to for questions on various web based services I've tried to use (Mint, Wealthfront, ZenPayroll), I'm tired of doing these things without guidance of a real, experienced, licensed person, and having to wobble along to figure out important things (like how some expenses are classified, etc) with just the guidance of pretty software tooltips.

I'm probably not alone in this. I think we'll start to see more services that are a bit more high-touch on the employing human experts side.