Merging Your Pensions

Merging your Pensions is easy with Hilltop. Speak with our friendly team today and see how we can help you to merge your pensions.

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 independent financial advisers. Remember that investments can go up and down in value, so you could get back less than you put in.

How We Can Merge Your Pensions

Our specialist pension merging service is unlike the standard service you will find online. We are independent advisors, allowing us to find the best and most suitable pension for you, that will offer you the services that you require. We don’t simply offer a couple of in-house products that are more suitable and profitable for us. All the advice and recommendations we make are in your best financial interests.

Assess Your Current Pensions

Our expert advisers will assess all of your current pensions. This will include the fees charged, growth rates and financial risk assessment.

Get To Know You

We don’t just select a pension that may not be suitable for you. Our advisor will get to know you and what you want to achieve for your retirement.

Tailored Advice

Our advisors will find the best and most suitable product for you based on your requirements. They will scour the market, including the biggest and best pension providers to find you the perfect pension. This could include a pension that you already have and recommend that you merge your other pensions into that policy. The in-depth report and advice and recommendations are delivered for free, without obligation.

Stress-Free Pension Merging

If the advice and recommendations are to merge your pensions into one or two products, our team can manage the whole process for you. We are specialists in merging pensions and pride ourselves on the easy and stress-free service we deliver.

UK pension providers

We work with the biggest and most reputable UK pension providers

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 ☕

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