Bank of Ireland funds

Some of his years service came before 2004, that's it I suppose?

If he was willing to share more info here he wouldn't have to go back to an advisor to know what scope he has for AVCs. Maybe that advisor has a vested interest in him not making AVCs.
... they don’t appear keen with the CET situation.
What do you mean by this?
He’s concerned about the economic outlook and the possible impact on salaries or pensions.
What's he concerned about exactly? I'm a public servant, what should I be worried about??