Colin ; also, the Independent Pilot's Association had a group of very highly talented FA's. You may wish to contact through that line. Much has changed in the Pensions Industry and my recent experience demonstrates that the UK Financial Services Industry's own Watchdog & Regulators have made FA's highly sensitive to giving advice that might be considered tenuous. They mean well though and have your best interest at heart. Watch out for the QROPS people and the odd, friendly and tempting rogue FA in your local. I didn't fall for the banter but nearly bought a used Merc from one of them !