In Episode five of the Pension Policy Series, Allianz Retire+ chief executive David Kane joins Conexus Financial acting co-chief executive and editor-in-chief Aleks Vickovich to assess the commercial landscape for retirement income solutions across super and advice.   Retirement remains only a small part of Australia's $4.5 trillion superannuation pool. Kane says funds have been slow to implement the Retirement Income Covenant, and many responses to date have been cut-and-paste. Funds have built strong accumulation capability over more than three decades, but they lack the balance sheets to guarantee retirement income, raising the prospect that without the right solutions, members may be left carrying longevity risk themselves.