What working with Pesara Counsel offers.

Singapore's pension framework is composed of several distinct parts — CPF in its various accounts, legacy defined-benefit government pension schemes, employer-sponsored arrangements, and the overlay of trust and estate law. Few law firms focus exclusively on this area. Our lawyers have spent their careers within it, and that sustained focus translates into a level of familiarity with CPF Board procedures, applicable legislation, and relevant case precedent that a generalist practice is unlikely to match.

• Deep knowledge of CPF Ordinary, Special, MediSave and Retirement accounts
• Familiarity with pre-CPF defined-benefit pension schemes
• Experience representing clients before CPF Board and in mediation

Our engagement process is structured to avoid misunderstanding. We begin with a consultation to understand the client's circumstances, then review documents, form our view, and communicate it in writing. Clients know where matters stand at each stage — not through status calls that offer little substance, but through written updates that record what has been done and what comes next.

• Initial consultation, document review, written advisory — a clear sequence
• Progress communicated in writing throughout
• Clients retain all documents produced during the engagement

All client documents and personal data are held on secured systems with access limited to the lawyers handling the matter. Communications by email are conducted on an encrypted practice management platform. We do not use client information for any purpose other than the matter for which it was provided. Clients may also attend their consultations by video where in-person attendance is not convenient.

• Secure document management, PDPA-compliant
• Video consultation available for those outside the CBD or overseas
• Two-working-day response commitment on written enquiries

The cost of each service is stated before any commitment is made. The Pension Entitlement Review is SGD 220; Pension Dispute Representation begins at SGD 480; the Retirement Estate and Pension Planning service is SGD 360. If a matter requires work beyond what is covered by the agreed fee, we discuss this with the client before continuing. Clients are not invoiced for brief correspondence or short telephone updates within an active matter.

• No hourly billing — fixed fees for defined scopes of work
• Scope changes discussed before they affect fees
• Initial enquiry and preliminary conversation at no charge

We do not represent our work in terms of win rates or outcomes we cannot promise. What we can say is that clients who complete a Pension Entitlement Review leave with a written assessment of their position — something most did not have before. Those we represent in disputes are kept fully informed throughout, and the matters we handle are prepared with care regardless of their complexity. That consistency of preparation is, in our view, the best basis for a satisfactory conclusion.

• Every engagement produces a written record for the client
• Dispute matters prepared thoroughly from first instruction
• Clients informed of realistic prospects, not managed expectations