Now there's a honest answer!!
I was/am exactly the same... I did it myself until 2005, but got talked into getting "professional help" by my son who is in the business (wholesaler for Manual Life/John Hancock). Glad I followed his advice, as I'm far better off (despite some comparitively modest losses in this current market, in comparison to the "industry averages" and most of the friends I've spoken to) than I would have been handling it myself.
Now I don't worry about it as much and I have regular conversations with my advisor, and generally do/approve what he suggests. So far, so good... time will tell.
-Wick