I'm a public sector worker, already purchasing Notional Service. I want to start AVCs to maximise tax relief on pension contributions. I expect to use part of it to maximise my lump sum if/ when I retire early - and for the rest to go into an ARF. It sounds like the payroll dept already have arrangements in place for AVCs with New Ireland and Cornmarket (I'm a union member). What should I be expecting as AVC charges and fees? Will I be obliged to pay for expensive advice? I would really like the convenience of getting tax relief through my salary, rather than having to apply for it afterwards if I get a PRSA instead. But I would consider a PRSA if it is a better or more cost effective option. Any tips, or links to relevant information, would be greatly appreciated. Thanks!