IFA update, for anyone who remembers I was muttering on about that. Doesn't look like a particularly early retirement, but we are on track to have a comfy one, which is reassuring.
Now grappling with doing the calcs between:
Doing nothing and leaving funds in hands of existing providers
Sticking it into a SIPP account and handing over a fair chunk each year to IFA & retained Fund Manager in the hope that they produce great returns to justify the not inconsiderable fees.
Sticking it into a SIPP and handing over a great deal less to a company that offers a similar service delivered online.
This exercise was supposed to make things clearer, too!