Decide if you will need help from an advisor on the product/s , the product provider or fund selection.
If you don't, then you can do this execution only and will probably be able to reduce your AMC by circa 25% , get 100% allocation and have no exit charges on the product/s (if a lower cost product becomes available you can move it freely) .
You would need to approach a discount broker (or two) and set out your stall eg I have a fund of €100K and contribute €1.5K/€4.5K per month, I want to transfer it to an Executive pension with lower charges with ABC Company and I will choose my own investment funds.
If you do need advice on the product/s, provider or funds - then agree from the outset how that's going to be paid for.
I'd also be doubtful if ILAC will be the ones that 'win' your business, on costs, but you could ask the person that set this up for you initially if they can do any better.
Companies don't like cannibalising their own books of business, via reduced margins, even though they might lose the client. If they do agree, you can use this as a starting point and still research a lower cost option.
Gerard
www.prsa.ie