 I'm Diana Montes. I'm from Colombia and I'll be graduating from my master's in international management from Brock College in partnership with the University. I'm very excited to share about my research project. When I started my master program I had a clear goal in mind and that was to investigate an issue that was not only interested to me but also that added value to others. This is how I came to define my research on the attitudes and behaviors of Czechs and Colombians towards investing further their retirement. It should be noted that despite the existence of a so-called pension crisis, people are not taking action that will help improve their future in monetary terms. So what's going on? Why is it that the evidence shows that there is no guarantee that people will have enough capital to support their lifestyle in all age? We still do nothing about it. How glad is planning for retirement differ from culture to culture? Is it okay to simply rely on the state pension? As you can see there are many questions that arise from this type of topic and I identify the need to provide some answers to some of these concerns. Nobody in their life in their research but rather to base on aspects of two nations from different continents and how they approach the same issue of pension provision. This information could benefit future pensioners, financial advisors, the state and even parents who create money management habits that are followed by their children. Then the research follow a pragmatic approach with subjectivism as a main ontology. Therefore qualitative data were collected to serve in structured interviews with experts in pension field from both countries. Then the supporting ontology implemented was objectivism. For the strategy used was to carry out surveys collecting the quantitative data by means of questionaries. This allowed different perspectives to complement each other and improve the understanding of the research problem. One of the key findings of this research were specialists in financial planning for both countries agreed was the very important role of the level that the level of financial literacy plays in people. I study in financial education around the world found that 58% of adults in the shared republic are financially literate and in Colombia only 32%. While this might indicate that European country is somewhat better prepared than the Colombian country, experts say that both nations need to increase their level of financial knowledge in order to create a reserve of money for retirement that will support them through their lifetime without compromising their lifestyle. Then 51% of Czech participants and 43% of Colombian participants feel confident that they are preparing properly to have a financially secure retirement. However, this research shows that what people manage to save over the course of their working life is not enough to support their retirement expenses for the rest of their lives. So working on this project allowed me to have a broader view on this problem that concerned us all. And then the guidance for my thesis advisor helped me to keep the research focus on the most relevant aspects and discover scenarios that added great value to the stakeholders. So I'm very grateful to have the to have been able to have this experience and to be completing my master program. Thank you.