In this episode of V-FM Pensions, hosts Nico and Darren, talk to TOR's David Harris about planes, pensions, policy, and, of course, value for money.

David has some amazing international pensions experience and his consultancy (celebrating its 20th year) is well know for creating international connections. He is also known for clocking up the air miles and spends more time in the air than on terra firma.

As well as a bit of the expected cricket chatter, David confesses to being an Ipswich Town fan (Ed: enjoy this season while it lasts, David!). We also discuss pension transfers (following the excellent article in Professional Pensions looking at incentives), tax relief, contribution rates, investment in defence and nuclear, David's aviation business and a whole lot more!