Most people save for their retirement through their workplace pension scheme, which is designed to substantially back up a not particularly generous state pension.

But as inflation bites and ordinary bills go through the roof, some people are wondering if they can cut back on their pension payments.

FT Adviser has created a guide which explains some of the main challenges investors face when trying to find ways to cut back on their regular outgoings without compromising their futures.

In the guide, Ian Bird, Business Development Director at Secondsight, shares his thoughts on salary exchange.

To read the full guide on FT Adviser, click here.