Another chap in the St James Place "Sales Department" taking HUGE amounts of cash from BA pilots providing a less than active pension management service with mediocre returns.
Might be worth picking his brain on the QROPS front though.
The meeting I have tomorrow is with a now independent IFA who, in his former life, worked for HMRC in the QROPS department. He remains part of their advisory team so I'm hoping to get it from the "Horses Mouth" as it were.