Alan Johnson is right: the boss should make the decisions; the experts should advise

I have an independent financial adviser. I can recommend him. He gives me expert advice. But I decide, and sometimes I disagree. Nobody would question either the propriety or the commonplace nature of this arrangement.

Recently we were discussing what to do with my maturing pension fund. His suggestions looked shrewd but were predicated on a measure of resumed economic growth and the persistence for some years of low interest rates.