In the latest episode of VFM the pensions podcast, Darren and Nico chat to Altus' director of life and pensions, Robert Holford. Robert has had a distinguished career in the industry spanning the consultancy Spence Johnson, the FCA and TPR. We, of course, talk all things V-FM, but we also get the tragedy of the commons into the discussion and a bit of a random chat about handbags... Enjoy!!