In our latest 13 minute pensions podcast, our host, François Barker, channels his inner Scrooge. Will visits from the spirits of pensions past, present and yet to come convince François to change his ways? You'll have to listen to find out...

We hope this podcast provides a useful review of recent and current challenges, and a look forward to the demands of the year ahead. In accordance with tradition, we also supply some musical accompaniment to brighten your day.