Is this a good deal

If the client wishes, of course they can.

Most would not want to have to engage in such form filling, they want investment advice, not to have to answer questions about their mortgage and how much they spend on weekly shopping.

This might not be appropriate given the contribution amounts mentioned by the OP, but if the contributions could be increased a bit I'd take a look at a Self Administered Pension Trust.

You're moving up into a different league in terms of investment and the amount of research you may need to do, but it's certainly worth looking into before you make a final decision.

-Rd

Very inappropriate here though, would want to put in €20k/annum for at least 20 years to make one of these worth the extra associated costs.