Al R, many thanks for the information. As I mentioned I hope/expect to retire from my current job in ~15 years, although much will depend on pension calculations - could be before then, could be after!
At least I have a few years to get my figures in order.
I note that Echelon Wealthcare describes itself as 'Specialist Independent Financial Advisers for HM Forces', would your / its services be available to a retiree such as myself? I feel I probably need to continue this discussion, outside the bounds of this forum, at some point in the (near-ish) future!