With us, as we had our family late, it was either paying more into a pension (get a piece of paper each year saying you know it was worth x last year well now it x – y this) or its get a place in the sun so we can take our babies somewhere warm every year.
No brainer really.
Got an independent EA, who we still see most times we go, as a friend after five years. He suggested three lawyers and I interviewed each one to find the best one.
Best thing we ever did (next to getting married and having kids of course.)
We would recommend it to anyone.