Listen to a special programme on pensions featuring Chief Executive of the Personal Finance Society, Keith Richards, who discusses his views on pensions freedoms, defined benefit transfers and the role of financial advisers, and FCA Head of Business and Consumer Communications, Emma Stranack who highlights the ScamSmart campaign, while Head of Investment Intermediaries & Scams, Chris McGrath, discusses the biggest challenges for regulating pensions and how the FCA is working to improve the quality of pensions transfer advice.