Thanks very much for the referrals guys. Hope I won't waste too much of anybodys time, I will make some calls in the next day or so :)

Cheers again, always appreciated.

EvilCabbage did you go see a financial planner? if so which one and how did you find it?
Looking at going myself..

You could ask my wife.

She knows all there is to know about money and ints intended uses, and she is never wrong.

Apparently

Welby

haha classic... im trying to save money!! when i need to spend it i'll consult her first :)