OMG, thank you ALL for your messages.
Grandmabatty, I love your clear way to talk to her and I'll follow your advice. She hasn't grown up really, and I don't think she ever will, not in the sense that we generally mean. She has had lots of opportunities to make her own decisions in life, but somehow her need to ask for affirmation when making big decisions has increased recently.
She does have 'supervision' in her job but that is mainly to do with talking about dealing with clients and their needs. But there is some emotional support for her needs as well and she does access it. But maybe doesn't carry it over into her personal life...You'd think that working in mental health she would have more self-awareness, but somehow she doesn't or doesn't act on it. Quite frustrating.
LaCrepuscule, I smiled when I read 'if she doesn't listen to your advice step back and stop giving it' as I have learnt over the years never to give her advice! She frequequently used to say 'DON'T give me advice, I just want you to listen!' So now I just listen, and only give suggestions if asked.
I'm so interested to read all of your comments, and am thinking hard about them. Everyone's input is so appreciated.