Zurich Pension Review

Zurich pensions often offer flexibility and a wide choice of investments. However, flexibility can also lead to complexity. A Zurich Pension Review with Hilltop Finance helps you understand whether your pension is structured correctly and supports your retirement income plans.

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.

What's Included With Our Zurich Pension Review

Your Pension's Performance

Our advisers will check the performance of your Zurich pension against its benchmark and across the market. This ensures you’re getting the right pension for you, that will potentially deliver for your retirement.

Check The Fees You're Paying

All pension providers charge a fee for managing your funds. Our advisers will check that your Zurich pension or any other pensions you may have are not charging you excessive fees. Excessive fees could be affecting your pension’s growth.

Risk Check Your Funds.

All pension funds are subject to an element of risk. As part of our review service, we will carry out a full financial risk assessment to ensure your Zurich pension is aligned to your attitude to financial risk.

Management Options

Does your Zurich pension offer online access? Can you get up-to-date valuations instantly? During your Zurich pension review, we will find out what’s important to you and ensure the personal pension you invest in can give you the functions you require.

Who are Zurich?

Zurich is a global insurance and financial services provider with a long history in the UK pensions market. The company offers a wide range of pension products, including personal pensions and flexible drawdown arrangements, often used by individuals approaching or already in retirement.

Because Zurich pensions can be highly flexible, they may also become complex over time. Many policyholders are unsure whether they are making the most of the options available to them, which is why a professional review can be particularly valuable.

Why should you get your Zurich pension reviewed?

As you move closer to retirement, or begin drawing an income from your pension, it’s essential that your plan is structured correctly. Decisions made at this stage can have long-term consequences for income, tax efficiency, and sustainability.

A Zurich Pension Review can help you:

– Check that your pension is set up correctly for income

– Ensure investments reflect your current stage of life

– Identify risks to your long term income

– Confirm that your pension still offers the flexibility you need

Hilltop Finance provides independent advice tailored to your individual situation, helping you make informed choices with confidence.

Are fees affecting your Zurich pension growth?

Zurich pension charges can vary depending on how your plan is structured and overpaying in fees can have a noticeable impact on your pension value over time.

Zurich pensions may include:

– Product and policy charges

– Fund and investment management costs

– Ongoing drawdown-related fees

As part of your Zurich Pension Review, we look at the full picture, not just headline fees, so you can clearly see how much you’re paying and whether better-value alternatives are available.

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.

Arrange a callback

or call us now on 0161 413 7051

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 adviser will work with you to make a detailed retirement plan to help achieve your goals.

To combine your pensions, a financial adviser 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 adviser the power to speak with your providers (Letter of Authority) the financial adviser 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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