Kay Martin's help and advice was provided in a friendly, courteous and most professional manner, resulting in a speedy solution that was just right for my needs. From start to finish, I received regular updates, and everything was explained to me in a straightforward and readily understood manner - no jargon or acronyms at all!! And ALL my questions were answered. The Retirement Desk made this a painless transaction - everything was done for me, even down to supplying a prepaid recorded delivery envelope for sending my documents. I thoroughly recommend The Retirement Desk.