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Although pension planning can feel daunting, it is important that you start to consider it before it's too late.

Pension advice allows you to plan for your future and think about your retirement planning options. If you are asking yourself ‘where can I get independent pension advice?’ - then you have come to the right place. In this article, Hilltop Finance will explore your pension advice options and how our team of advisers can help you.

What is Pension Advice?

A common question we get asked is, ‘what is pension advice?’. Independent Pension advice is a service whereby an adviser will make recommendations as to what to do based on your circumstances, needs, and objectives. Pension Advice should always be personalised and tailored to you. During the advice process, different points will be run through such as the tax implications, financial risk assessments, and a pension evaluation, giving you a clear understanding of what you have and what to expect in retirement

Pension advice is important due to the fact that there is now a multitude of pension providers, schemes, and options to access your money. There are now various ways in which you can access your pension and increased responsibility for you to make your retirement savings last, you want to ensure that you have a full understanding of the position you will be in or have at least taken advice on your best options.

Who Can Give Advice on Pensions?

If you are looking where to get pension advice, whether it is to choose a pension or review the range of retirement options you will need an FCA-regulated financial adviser to assist you. A regulated financial adviser has the authority to give you recommendations and advice on pensions and investments that are most suited to your needs.

Examples of questions and queries that an independent financial adviser could help you with include the following:

• Should I transfer another pension into my current scheme?
• Should I pay more money into my pension?
• Is an annuity or pension drawdown the right option for me?
• Am I better off saving in a pension or should I pay off my debts first?
• Should I take a tax-free cash lump sum from your pension at 55 years old?
• Should I take the biggest tax-free cash sum that I can?

How much does it cost for pension advice?

The cost of independent pension advice varies from case to case and there are a variety of factors that will determine the cost of this service such as:

  • The total value of your pensions.
  • Whether you are looking for personalised and independent advice, robo advice, or restricted advice

For a no-obligation and free pension review, you can simply complete our short form or call 0161 413 7051. Our team will then discuss your inquiry to get a better understanding of your situation and can give you a clear idea of the cost around your pension advice.

Where Can I Get Pension Advice?

If you’re looking for the first time, it can be tricky to know where to get pension advice and how to find the right financial adviser for you. Many people find themselves asking ‘where can I get pension advice?’, and because pension & retirement advice is so important, you will want to make sure that you find an adviser that you can trust and feel comfortable with. Here at Hilltop Finance, you can get exactly that, we pride ourselves in our 5-star bespoke service meaning that you get the best advice for yourself.

Hilltop Finance Limited is authorised and regulated by the Financial Conduct Authority. Our friendly, expert team of financial advisers can help you with your range of pension and investment queries over the phone– or via video call in the comfort of home, whatever suits you best!

Capital at risk, the value of your investments can go down as well as up, and you may get back less than your investment.