The potential benefits of combining your pension.
Know how much money you’ve built up
Once you’ve merged your pensions into one plan, you can quickly and easily know how much money you’ve built up for retirement and track your contributions to ensure they are being received.
How well are your investments performing
You could track how your investments have performed, monthly or annually, without complicated spreadsheets. A single pension fund will help you to make comparisons against other providers or identify a drop in performance. With Hilltop’s Ongoing service, we can monitor your pension’s performance.
How much retirement income you could enjoy?
Merging pensions together could enable you to benefit from better performance, lower fees and help you keep on top of your pension.
Understand if you need to make more significant contributions
Our advisers can work with you to put together a financial retirement plan that will help you to enjoy your retirement without the worry of running out of money.

Keep better track of your money.
If you have multiple pension plans with different providers, you may have a difficult time managing them properly. Transferring them to a single pension provider can help you keep better track of your money and see if your retirement planning is on target.
However, it is important to note that the decision to do a pension transfer is a complex one and can have a negative impact on your retirement plans. Thus, it is highly advisable you consult a qualified financial adviser before making the move.
Learn MoreWe work with all brands of pensions, including...















Expert advice in 3 simple steps.
We care about your life after retirement. Our pension specialists will offer you efficient, unbiased and a client-focused pension advice service.

Sign-up
Complete our short form or call 0161 413 7051. Our team will then discuss your enquiry to get a better understanding of your situation.

Analyse and personal 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, personalised report and assess against the market.

You can make an informed decision
Your financial adviser will deliver their assessment and ensure you fully understand the advice given. Now you will be able to make informed decisions about your future.
FAQs
We have the answers.
Have a look over our frequently asked questions, and 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.
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 where to combine and 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 Finance 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.
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.
We can also help with...

Pension Advice
Analysing growth rates, fees and charges, risk category, your pension pot value and comparing against the whole of market.
Learn more
Retirement Planning
Our advisers can work with you to put together a financial retirement plan that will help you to enjoy your retirement without the worry of running out of money.
Learn more
Pension Performance
Your pension could be invested in funds that are not performing well or are no longer appropriate.
Learn more