The only area I find a little hot is on the forehead which could be toned down a little in photoshop. The rest of the highlights on her neck and cheeks, I think ad modeling that define the face.
I'd just tone down the spot on the forehead, and the highlights on her neck and collarbone to bring attention back to her face. I think it looks beautiful, too, imho.
The only specular highlights on the whole image are the highlight at the top of her forehead, a little on her lips, and the catchlight in her eyes. The rest are just highlights. If it's not zone 10, its not a specular highlight (assuming it has been exposed correctly, which this has).