Just with some quick math, you probably owe on the order of $5-6k/year on the HELOC making minimum payments? Of course it will be forever until you pay off $100k at that rate.

We do kind of need to know how much you have invested... but I'm assuming it's not enough to be independently wealthy or anything. But what the adviser is getting at is that the math is not in favor of selling investments that should earn 5%+ (on average over time) to pay off 4% interest debt.

Offhand it looks like you have an income problem. You have debts that are at least 4X your income. Selling investments to pay off your debt would solve the debt problem but probably kill your savings, which should be earning more than 4% per year on average assuming you're saving for retirement.

Your interest rate on the HELOC is reasonable. Having a lot of money invested is good. I think the only problem is your income, which is obviously not an easy one to fix... but it can be done and I think that's where you should probably focus. Budget so you can make your HELOC payments on $25k/year, it might not be pleasant but assuming you don't have multiple kids or live in the Bay Area or something, it's doable.

I'd see this subreddit's FAQs on investment advisers in general, but in this narrow case he doesn't seem to be giving indefensible advice by any means.