Jessica spent a number of meetings evaluating my position, and the transfer values of my existing pension schemes. Also gained a good mutual understanding and evaluation of my risk profile, and we spent some time assessing the benefits of retaining existing schemes, moving to SIPPS. This included a full review of the cost structures of various schemes. Since inception I have had regular updates on the chosen scheme progress, and a couple of changes have been made to the investment structures to optimise and realign.