fprince - will let you know if I hear from VeteransUK Pensions division - email sent and acknowledged last week (asked for more info so that is promising). I've been adding to a SIPP for about 10 years but I am now very cautious about hitting the 40k max (including the 'virtual' AFPS contribution). Frustrating when we are trying to 'plan for the future' as per the govt's advice...