Chris Budd: Why I have a financial planner

An interesting question to ask advisers and paraplanners is what they think clients most appreciate from their financial advice. Many advisers will reply in terms of investment management, perhaps tax planning. The answer you get if you ask the same question of clients, however, is often very different. One of the five key planks of financial wellbeing is clarity and security for those that we leave behind. (As I always mention in these columns, you can find references for the research that back up these statements in the back of the Financial Wellbeing book. If you haven't already go...