A poll for VitalityInvest asked 200 UK financial advisers for the top three areas they felt were most important.
Some 67% said financial education, 41% said better access to financial advice and 37% said financial incentives such as rewards for saving earlier.
In terms of better financial education, personal finance lessons in schools was the most popular solution with advisers at 59%, followed by workplace education at 18% and a Government campaign at 11%. Only 6% felt more educational tools for clients from providers would be most beneficial.
Only 13% felt lower pension fees were one of the top three issues that could encourage clients to save.
VitalityInvest consumer research also recently found almost three quarters (74%) of UK adults had never made any contribution to their pension beyond auto enrolment or did not have a pension or retirement savings plan at all.
Opinium surveyed 200 UK advisers in September 2019.