Our Services
Three considered services for pension matters.
Each service is structured to address a specific type of pension or retirement legal need — from an initial written review through to representation and full estate planning.
Return to HomepageOur Methodology
How we work
Each engagement at Pesara Counsel follows the same unhurried sequence. We begin by listening — to the client's situation, their concerns, and what they are hoping to understand or resolve. We then review the documents they are able to provide, consider the applicable legal position, and form a written view.
The written advisory letter or plan that results from that process is produced carefully, without shortcuts. It sets out what we have found, what options are available, and — where appropriate — what we recommend. It does not press the client to take any particular course. It gives them the information they need to make a considered decision.
Where representation is required, the same standards apply. We prepare thoroughly, communicate clearly, and keep the client informed at each stage. The pace of proceedings is often outside our control; the quality of our preparation is not.
Service One
Pension Entitlement Review
SGD 220 — Fixed Fee
A careful, written assessment of the client's pension position — covering CPF history, any private retirement schemes in place, prior employer contributions, and surviving spouse provisions where relevant. The work begins with a one-hour private consultation, followed by document review and a written advisory letter setting out the client's standing, areas worth attention, and a measured set of next steps.
Suitable for those approaching retirement, those who have recently retired, and family members assisting an older relative. The tone of the work throughout is patient and considered.
What is included
- One-hour private consultation (in person or video)
- Review of CPF statements and any private scheme documents provided
- Written advisory letter setting out the client's position and next steps
- Surviving spouse provision review where relevant
- One follow-up clarification call within 14 days of letter delivery
Process
Initial enquiry and document list provided to client
One-hour consultation — questions, history, documents reviewed
Legal review and assessment — typically 5–7 working days
Written advisory letter delivered by email and post
Service Two
Pension Dispute Representation
From SGD 480 — Fixed Fee
Representation when a pension entitlement has been reduced, withheld, or contested — for example following an employer dispute, a CPF Board decision the client wishes to challenge, or unclear provisions in an older private scheme. The service includes case preparation, correspondence with the relevant body, attendance at hearings or mediation where called for, and ongoing written updates so the client always knows where matters stand.
The firm takes a quiet, evidence-led approach rather than an adversarial one. In CPF Board and mediation settings, this tends to produce better outcomes than a combative style.
What is included
- Full case review and assessment of prospects
- Preparation of correspondence and submissions
- Attendance at CPF Board proceedings or mediation
- Written updates at each material stage
- Incidental telephone updates within the active matter
Process
Initial consultation and case document review
Written assessment of the matter and prospects
Correspondence, preparation of submissions and representations
Hearing, mediation, or resolution — written update to client throughout
Service Three
Retirement Estate & Pension Planning
SGD 360 — Fixed Fee
A combined planning service for clients who wish to align their pension arrangements with their broader estate intentions — including wills, lasting powers of attorney, and beneficiary nominations on retirement accounts. The work is conducted across two or three sittings, gives time for family discussion between meetings, and produces a clear written plan the client can keep.
Particularly suitable for those wishing to make orderly arrangements without rush. Family members are welcome to attend the sessions where relevant to the decisions being considered.
What is included
- Two or three planning sittings at intervals to allow reflection
- Coordination of CPF nominations, will and lasting power of attorney
- Beneficiary nomination review across all retirement accounts
- Written retirement estate plan produced and retained by client
- Family members welcome to relevant sessions
Process
First sitting — review current arrangements, pension, estate documents
Interim period for client and family reflection
Second (and third) sitting — finalise decisions, coordinate documents
Written retirement estate plan delivered to client
Which Service?
Choosing the right service
| Entitlement Review SGD 220 |
Dispute Representation From SGD 480 |
Estate & Planning SGD 360 |
|
|---|---|---|---|
| Private consultation included | |||
| Written advisory letter | |||
| CPF Board representation | — | — | |
| Will and LPA coordination | — | — | |
| Beneficiary nomination review | Partial | — | |
| Best suited for | Those seeking to understand their pension position | Those with a disputed or withheld entitlement | Those making orderly retirement and estate arrangements |
Across All Services
Standards shared by every engagement
Confidentiality
All client information is held under legal professional privilege and Singapore PDPA. Documents are stored securely and accessed only by those working on the matter.
Response commitment
Written enquiries receive a substantive response within two working days. Within an active engagement, updates are provided whenever there is a material development.
Singapore regulatory compliance
All advice is based on current Singapore law, CPF Board guidelines, and MOM policy. We monitor regulatory updates as a matter of standing practice.
Not sure which service applies?
Speak with us and we will help you find the right starting point.
An initial conversation is without charge or commitment. We can outline what each service involves and which is most appropriate for your situation.
Arrange a Consultation