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What we do

Let us help you to take control of your finances.

Our team of financial experts care for the clients we serve, and it shows. We are real-life people, delivering real-life advice aimed at helping you to make the most of your pensions and investments.

Pensions & Retirement

Pensions & Retirement

We are experts in pensions and retirement planning, and with our efficient assessment process you could be enjoying a better performing pension within eight weeks.

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financial investment adviser


Everyone is different and our ISA assessment service will deliver tailored and personal advice to you on the best ISA for your circumstances.

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Looking after you and your financial assets is important to us and our general insurance service can offer real value to you and your family.

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Why Hilltop Finance?

Our values

Treat everyone as an individual

Everyone has personal aims and goals when it comes to their money. We will always listen to your needs and deliver advice that’s personal to you.

Being open, honest and trustworthy

We aim to break down the barriers to financial advice and look to deliver help to people from all walks of life. We are responsible and accountable for the financial advice we give and promote a culture of being truthful and honest. If we believe your finances are in the right place, we will tell you that for free.

Putting you at the centre of everything we do

Our business is built upon a strong foundation of developing and maintaining relationships with our clients, today and for the future. Putting you at the centre of everything we do allows us to deliver excellent customer service and satisfaction.

Ensuring you understand the advice given

We know that financial products can be complicated. Not fully understanding the advice we give, could affect your ability to make confident financial decisions. Our advisers will always speak to you in plain English, leaving out all the financial jargon and make sure that you’re comfortable with the advice we are delivering.

Work to the highest professional standard

All of our teams and advisers are fully trained to a high professional standard. We never rest on our laurels, and continually look to develop our people and business practices.

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pension advisers manchester

You're at the heart of everything we do.

We’re committed to going the extra mile, holding your needs and requirements at the centre of our trusted advice. Everybody is different, and the financial advice we deliver reflects that. We’re not a robotic advisory business, using a basic template to fit all. Our professional advice is always relevant, personalised and tailored to you.

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independent financial adviser

The value of financial advice

Recent research by the ILC with support by Royal London has shown that people could be on average, nearly £48,000 richer over ten years taking professional financial advice compared to those people who didn’t.

Although comprehensive, the ILC study only looks at a small snapshot of ten years, but, people are starting pensions and investments younger and saving for a lot longer now thanks partially to auto-enrolment pensions. Savers will be building up their retirement pots throughout entire careers, which could be 40 years or even longer, so taking financial advice earlier can seriously increase the monetary benefits.

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