ISA Investment Check

It’s important that you know how well your current investments are performing so first and foremost our ISA assessment service tells you just that. We’ll then get to know your individual circumstances and do some digging to see if there are more suitable, tax-efficient investment products for you on the market.

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.

How does our ISA assessment work?

Our stocks and shares ISA assessment will give you a thorough understanding of how your current investments are performing, find out your individual circumstances and investigate if there are more suitable products for you on the market. Our ISA assessment covers:

The growth performance of your current investments
How accessible your current ISA products are
Get the value of investments contained within your ISA
Assess your attitude to financial risk and the risk level of your ISA

If you meet the minimum criteria, once we have assessed your ISA and the investments that account contains, we will search across the market to find out if there are more suitable, and potentially better-performing products.

Your financial adviser will then deliver a comprehensive report, including financial advice that will enable you to make informed decisions regarding your investment ISAs. Tax treatment depends on the individual circumstances of each client and maybe subject to change in future.

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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.

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Our investment Service

What does our ISA assessment service cover?

Our ISA assessment will give you a thorough understanding of how your current investments are performing, find out your individual circumstances and investigate if there are more suitable products for you on the market.

Investment Performance
If your current ISA is valued over £20,000, our advisers will check the type of your current ISA investment, it’s growth rate, risk level and compare across the market. They will make expert recommendations that could add value quickly to your savings.
ISA Advice
If you have £20,000 to invest and currently have not invested in an ISA this year, our team can carry out a full attitude to financial risk check and scour across the market to advise you on the most suitable investment for your money. Depending on our professional assessment, this could be a stocks and shares ISA, cash ISA or a lifetime ISA product.
Whole Market Check
We’re independent and not tied to any provider, so can search across the market to find the most suitable ISA product for your needs.

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 advisor 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 adviser will deliver their assessment and ensure you fully understand the advice given. Now you will be able to make informed decisions.
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