In this bonus podcat episode, Tom shares some personal reflections on the UK pensions system and what’s wrong with it.

This isn't an exhaustive list (that would take a while), but instead Tom walks us through some of the key pension policy issues on his mind right now.

He covers topics such as pension freedoms and taxation, value for money and the new Consumer Duty rules.

Tom also discusses the Statement Season that isn’t, the lack of 'joined-up-ness' on the stronger nudge to pensions guidance and the Treasury’s plans for regulatory reform.

If you have any feedback on this episode (or any others), feel free to get in touch with Tom directly - you can send a direct message via Twitter to @pensionsmonkey

As ever, the back catalogue of all our episodes is available wherever you get your podcasts, plus updated here in Analyser every week.