Retirement Planning

Make confident choices about your pension and retirement. Have a free chat with our team to see how we could help you with your pension planning and retirement.

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.

Questions to ask yourself…

Not all ﬁnancial advisers specialise in retirement planning, but we do. Speak to one of our ﬁnancial advisers today to see how we can help with planning for your retirement.

Is my pension secure and not at risk from market dips?

When can I retire, and will I have enough money?

What plans do you have for retirement, and can I afford them?

Arrange a callback

or call us now on 0161 413 7051

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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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Retirement planning is becoming increasingly important

Probably the most ignored part of your everyday finances is putting money towards your retirement. For some, retirement is decades away, so why think about it now? Others feel that they’re so far behind on savings that their situation is hopeless. Neither is true. It’s never too late to start saving and equally true; it’s never too early.

Retirement planning can be complicated. Getting help early might be the key to retiring comfortably, but even if you’re older and behind on your savings, our ﬁnancial advisers could potentially find unexpected ways to improve your retirement funds or make them stretch further.

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

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

Or arrange a callback

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.

No, the earlier you start planning for retirement and contributing to a pension, the easier it will be to reach your target for a comfortable retirement. Find out how much you pension could be worth with our pension calculator. Click here

Many people think when they get to retirement, they will have enough money to retire comfortably. Unfortunately, that’s not always the case and the money you think is substantial isn’t enough to last 20 years plus through retirement. Speaking with an adviser can help you to understand how much you may receive in retirement and put a plan of action together to help you achieve your retirement goals.

Recent research by ILC and Royal London, suggests that taking professional financial advice could benefit you by an average boost of £31,000 to your pension wealth over a ten year period.*

*ILC, Oct ’20, Revisiting The Value of Financial Advice.

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.

There are many ways to plan for retirement. Many people look to expert help with a financial advisor to create a plan for when they retire. A retirement plan could include financial projections, current saving targets and any lifestyle changes you wish to make. The earlier you plan, the easier it may be to achieve your retirement aims.

Early retirement doesn’t necessarily mean complete stop of work. Many individuals choose to work part-time or pursue flexible employment opportunities during their early retirement years to maintain a sense of purpose and supplement their income.

To retire early, financial experts and advisers suggest aiming for a retirement savings goal of 25-30 times your annual expenses. However, the exact amount depends on individual circumstances, lifestyle choices, and desired retirement age.

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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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