In this episode of VFM Pensions, hosts Nico and Darren are joined by Claire Altman, who leads Standard Life’s work across pensions risk transfer and individual retirement solutions. Claire shares her brilliantly unconventional journey into pensions, from lawyer to trustee to commercial innovator.

We explore what it really means to deliver value for money in retirement, why emotional certainty often matters as much as mathematical optimisation, and how a growing web of regulation is shaping the future of both DB endgames and DC pension outcomes.