D-IFF,
Spot on. I think I remember Michael Spinak talking about AVC's during one of his pitch meetings at IOT and how unless you stay till 55, there's better things to do with your money. On the other hand, if I could get back at least what I'd pay in over 6 years and pay less tax, I'd consider it. I thought I'd try my luck with the PPRuNe crowd for some opinions and personal experiences before making a long distance phone call at 3 am
I view TOFO's as opinion rather than advice and even if he'd come out with "Give me your money and I'll make you a fortune" Madoff style, I'd still not part with my hard earned flying pay without consulting someone better with money than me !
Give me some credit. I am aircrew, you know
