In this season opener, Darren and Nico chat to Scottish Widows' Pete Glancy and Rob Cochran.

We welcomed Rob back to the pod to talk about his Mountain Warehouse rucksack, and Pete joined us to talk snooker and fine wines.

In the podcast we look forward to the year ahead and chat about the importance of communicating effectively. We talk Big Zuu and pensions attention, pot for life, the pensions mirror, understanding members, and, of course, value for money and consolidation.