Friends & Family Referral

We want to help make your pension work harder and achieve the retirement you desire. It’s simple to get started for free, fill in the form with your contact details and our team will call you back to see how we can help you.

Call us now on 0161 413 7051 or arrange a call back.

Important information: Our website offers information about investing and saving, but not personal advice. If you’re not sure which services are right for you, please request advice from Hilltop’s financial advisers. Remember that investments can go up and down in value, so you could get back less than you put in.
What to expect

Expert advice in three simple steps

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. Our professional advice is always relevant, personalised and tailored to you.

Get in touch
Give us a call on 0161 413 7051 or let us know when you’d like us to call back. A friendly pension professional will discuss your enquiry to get a better understanding of your situation.
Analyse and report
As soon as you give us authority to work on your behalf, our team will get started analysing your pensions to produce an in-depth report and assess against the market.
The choice is yours
Your expert pension adviser will deliver their assessment and ensure you fully understand the advice given. Now you will be able to make informed decisions.

Friends and Family Recommendations

Nothing is more important to us than helping you achieve a brighter future. We’ve been looking after our clients since 2014, helping them, like your friend or family members to a brighter future.

*Based on clients who spoke with a Hilltop adviser in 2020 and proceeded to switch their funds to another provider.

Our team of financial specialists can work for you to assess your pensions and investments to find out if they are performing as they should. If there are any issues or we can find a more suitable place for your money, we will tell you that. Our detailed and jargon-free pension advice report will breakdown what your current financial position is and highlight changes you could make today that will benefit your future.

Achieve that retirement you’ve always wanted, with advice and guidance from Hilltop Finance.

Frequently asked questions

Should you have any queries about our services, or if you can’t find what you’re looking for simply get in touch with our friendly team who are here to answer any questions you might have.

Consolidating your pensions from different employers is run in the same format as a regular pension consolidation service. It’s generally not recommended to combine out of your current workplace pension, but in some cases, you can combine and transfer your other funds into your current workplace pension. Please speak with our team to find out all of your options.

Retirement Income Planning is the process of assessing how much income you will need in retirement and then making decisions and actions on how to achieve the targeted income. Your financial advisor will work with you to make a detailed retirement plan to help achieve your goals.

To combine your pensions, a financial advisor will need your authority to speak with your pension providers and then your authority to act on your behalf to transfer your pensions into the recommended product.

By initially giving the financial advisor the power to speak with your providers (Letter of Authority) the financial advisor will request the relevant information they need to make any recommendations on if consolidation is right for you, where to combine and potentially transfer your pensions.

For the full process of combining your pensions, please speak with our team.

A 25% Tax-free lump sum is calculated on the total value of your defined contribution pensions, rather than specific to each policy. The advisers at Hilltop will be able to give you guidance on your options.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Capital at Risk.

Depending on your current pensions, you could lose money when combining your pensions, if they have exit fees included or any guaranteed rates included. By speaking with our advisers, they can check to see if any of your current pensions have any clauses attached and help you to make the right choices about pension consolidation. If we don’t think that pension consolidation is in your best financial interests, we will tell you that too.

Capital at Risk.

There are several ways of consolidating your pensions. But, we believe the best way to consolidate them and to ensure you’re getting the best pension policy for your circumstances is to speak to our team.

We will quickly assess your current pensions and offer advice and recommendations on where to consolidate your funds. The advice we give is always in your best financial interests, and by speaking with us, we can take some of the decision processes from you and guide you to a more suitable pension, rather than a fit for all pension you may see online.

Capital at Risk.

Combining your pensions could have many benefits. Putting your pensions into one policy can help you to keep track on the value of your funds, quickly see the performance of your fund and also you could benefit from lower management charges than having multiple pensions.

With all your funds in one place, you could furthermore reduce the chance of losing track or forgetting about that smaller pension pot that you accrued with an old employer. Pension consolidation isn’t for everyone, though, so please speak with one of our advisers before moving your pensions.

Capital at Risk

You could drawdown from a personal pension from your 55th birthday. In some circumstances i.e. ill health, your pension provider may allow you to take money from your pension, but this is at their discretion.

Capital at Risk

Hi there!

We just need to take a few more details to understand what we can help you with and when is convenient for us to call you back. Gives you a chance to pop the kettle on ☕

1/3

What would you like our expert advice on?

Pensions

Investments

Insurance

pension advice

Other

2/3

Is there any advice in particular?

Review

Pension drawdown

Drawdown

Pension consolidation

Consolidation

Pension performance

Transfers

Not Sure

3/3

Finally, just pop your details here and we’ll be in touch