Independent Financial Advice

Trusted, personal and expert financial advice. Specialising in investments, pensions and retirement planning.

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.

You're at the heart of everything we do

Hilltop is an independent financial advisory firm, specialising in pensions, investments and retirement planning. 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. Our in-house team of over 40 fully trained professionals including independent financial advisers, paraplanners and a financial compliance team, are here to provide the very best advice through our secure telephone-based service.

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

FCA Regulated

Hilltop Financial Planning is a trading style of Hilltop Finance Limited. Hilltop Finance is authorised and regulated by the Financial Conduct Authority under number 787803.

Safe & Secure

Your data is safe with us! We use above industry security protocols and secure platforms to ensure that your data is safe.

Looking After You

Your experience is very important to us - we offer 100% unbiased, bespoke and compliant advice.

The value of financial advice

Independent research by the International Longevity Centre suggests that professional financial advice could increase your savings and investment value by an average 24%* (or £47,706) compared to those people who have not taken independent financial advice. But, aside from the potential monetary gains, there are several other valuable reasons to seek financial advice.

*ilcuk.org.uk

Our independent financial advisers will:

  • Understand your needs – before advising or making any recommendations; our advisers will build up an overall view of your financial circumstances and identify your aims and objectives.
  • Discuss potential options – we will assess which products are best suited for you, ensuring they meet your objectives.
  • Be open and transparent – your adviser will discuss all the pro’s and con’s of the recommendation, ensuring your fully empowered to make informed decisions.
  • Make a recommendation – the recommendations your adviser makes will always be personalised and tailored to you. Everyone is different, and the financial advice delivered reflects your individuality.
Calculator

Provider fees can be hampering your pension

Pension provider fees can make a significant difference in the amount of money you can enjoy in retirement. The difference between 2% and 0.5% may look small. Still, in terms of impact on your pension funds, it could be the difference between a comfortable or a challenging retirement.

Our pension fee calculator can show you the vast differences pension provider fees can make over time on your pension. Enter your current pension value, your age and the age at you wish to retire, and see the difference fees can make.

Would like to get a personalised forecast? Speak with our pension specialists today and start your pension assessment.

Calculate

* Performance calculated using fixed 5% growth rate and monthly compound interest. The examples shown are for representative purposes only and should not be used as a pension forecast or advice.

Talk to us

Pop the kettle on and give us a call

Even after you’ve done your research, you’ll probably still have some questions. Why not give one of our friendly team a call and explore whether financial planning advice might be right for you.

Call now on 0161 413 7051
We’re open:
Mon to Thurs 9am – 5pm and Fridays 9am – 4pm

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

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