Graham Bentley: Why advisers should use a DFM - or not

We are two months into a major home renovation project and the principles of the process will be familiar to a financial adviser. Our (or rather Mrs B's) objectives were interpreted and finessed by the structural engineer, a plan and budget were agreed and put in place, and the contractors are - though not as fast as I would like - fulfilling our (her) objectives by carrying out the plan. In the course of the work, I am reminded that the term ‘builder' covers a multitude of skills not necessarily possessed by a single individual. While electrician and plumber are distinctly separate b...