Worth it
Am not the best one to give advice - else I would have retired by now and not be in the Sandpit.
But...
If you've not done it, go and see Mondial.
Be prepared to answer
1. When do you want to retire?
2. What is your retirement currency?
3. What income do you need per month when you retire?
4. What will be your legacy to kids and spouse/partner?
I changed some funds and started saving more AVCs.
I found advisor MG was direct and personable.
Thank me at Warehouse.