If your unsure on how we could help you, or just looking for a little help, leave your details and one of the team will call you back for a quick chat.
Call us now on 0161 413 7051
If your unsure on how we could help you, or just looking for a little help, leave your details and one of the team will call you back for a quick, informal chat.
Home > Pension Advice
Pension advice made personal. For a secure and planned future, get ahead of the curve and start thinking about your future retirement income now. We offer the very best bespoke and regulated pension advice for those looking to make the best decisions for tomorrow – today. With our help, a worry-free future may just be a phone call away.
We believe in keeping things simple, and to provide you with all the tools necessary to make informed decisions about your finances. Our advisers will not confuse you with industry jargon or complex calculations that could deliver doubt about the financial advice we are giving. We are real people, giving real-life financial advice about your pensions and investments.
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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Your experience is very important to us - we offer 100% unbiased, bespoke and compliant advice.
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The Hilltop team are specialists in the provision of unbiased and transparent pension advice. Their highly trained and knowledgeable experts can help you to find a socially responsible or eco-friendly pension fund that suits your needs and ideals perfectly.
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
Mon to Thurs 9am – 5pm and Fridays 9am – 4pm
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.
Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
Capital at Risk.
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.
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.
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 ☕
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