This is the second time I’ve used the retirement desk, on both occasions they were extremely thorough in explanation and process and carried out the process efficiently keeping me informed along the way. In the first instance they in fact helped me out of a big problem I had got into with my advisor and did that free of charge where my advisor wanted a significant fee. In the second instance they provided me with several quotes over 9 months which they willingly provided at very short notice . I would not hessitate to recommend the retirement desk to anyone who wished to use the service they provide.