Hire a handyman when: you need 3+ small jobs in one visit, the work is cosmetic or simple replacement, no permit is required, and you're not under warranty.
Hire a specialty pro when: the work involves new pipe routing or new electrical circuits, the property is under warranty (using a non-licensed pro can void it), the job requires a permit, or your insurance carrier requires licensed-trade documentation.
Common jobs that should always go to a handyman: TV mounts, garbage disposal swaps, faucet replacement, drywall patches, blind/curtain installs, smart-home device installs, pet door installs, deck staining.
Common jobs that should always go to a specialty pro: panel upgrades, new gas line runs, sewer line work, roof replacement, foundation repair, tankless water heater installs.