I'm in the USS pension scheme and have been buying added years. I am entitled to tax free cash of 3x pension. However my IFA has shown me how I can also fund for 25% tax free cash using Money Purchase AVC's - effectively getting 100% of my MP AVC contributions, including tax relief, retuned to me. He has also helped me select a range of ethical funds for my ISA. In addition I have a potential inheritance tax liability and my IFA has outlined a range of options that can significantly reduce or even eliminate the libility. I am happy because the money I have saved far outweighs the fees I have paid. I could not have made these,and other decisions without help.