With the publication of the Government's White Paper ten days ago, in response to the Turner report, we can at last begin to see how the pensions policy is likely to be shaped over the next decades.
It is a topic I was privileged enough to discuss with members of the Government in person, when I visited Number 10 last week as the national FSB pension representative.
Historically, of course, successive Governments have tried to meddle where the market was providing. We have had pension contribution 'holidays'. Funds have not been allowed to be 'in surplus', and of course we have the current £5 billion-ayear being taken out of the 'pension pot' by the Government. On top of this we have had the mis-selling fiascos by the industry itself.
Parity between the public and the private sectors is another issue yet to be tackled. Currently, the Government has backed away from dealing with this unfairness that all of us in the private sector have to fund before we can even begin to start saving for ourselves.
Equally as life expectancy continues to rise, there is the almost certain reality that we shall all have to work longer.
Key of course to making the proposals work is to restore people's confidence in the very word 'pension'.
Whichever way this is done, the message will have to be communicated very clearly and very effectively if the need to save for our futures is to strike home.
Before anything can happen though, I firmly believe that compulsion to save for a pension will almost inevitably have to be the way forward, given the recent history surrounding our lack of saving.
This compulsion, however, must not be foisted onto the employer, but should be landed on the individual, since it is their own personal pension account that will be the vehicle to achieve this for them.
This is fundamental to making anything happen - not by fudging the issue by just piling yet another tax onto employers, but by actually giving people back the confidence to take ownership themselves.
It must then be made easy for them to transfer between employers whenever they choose to move jobs.
Unless and until this is made to happen, we shall never achieve the overall aim of our providing for our future retirement age ourselves.
We would almost certainly end up with a worse mess than we are currently faced with.
This would be even more difficult to resolve at a future date if we do not have the firm resolve to take ownership now.