In this episode of V-FM Pensions, co hosts Nico and Darren spend an hour chatting about the news, life and some of the the themes coming out of the podcast so far this year. We also, of course, discuss Arsenal.

We chat about AE contribution rates, transfer incentives, at retirement, politics and value for money. And we pay tribute to Frank Field, who recently sadly passed away, for his contribution to politics and welfare reform.

Nico also asks Darren about his new venture as part of Untamed Consulting.