On Gambatte's general question: I think he should pay for advice across the whole spectrum of what he should do with his money.
The question is about the best provision for a pension. My question is "why does one need a pension?"
If one invests free money in "the stock market" throughout one's life, rather than giving it to a pension provider, and end up with X £million when you are 65 why would one need a pension?
A pension is very restrictive once you start paying money in and difficult to unscramble. Where do the pension provider people you pay your money to put your money but into the same investments that you could (via an investment manager if you choose). But in the latter case you are retaining control of your money. Not letting someone else lock it away.
Cash is king closely followed by control and flexibility.