Most people during their working years plan for retirement by directing some money to one pension plan or another when extra cash becomes available. Some are fortunate to have access to an employer-sponsored pension. Still others are happy to rely on the future value of a business or property to provide retirement income.

But what is almost universally true is that most of us are not doing enough now to guarantee the lifestyle we want in retirement.

Are you unsure of the most appropriate pension structure? Will your proposed contribution schedule yield the desired amount of income upon retirement? We understand that most clients do not have the time or patience to decipher pensions legislation, so we do the research and answer the questions.

CS Financial Advisers Ltd believe that a “pension” is only as good as its underlying investments, so we devote the same level of thorough investment review to our pension planning clients as we do to our investment clients.