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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?

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.

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Expert advice in three simple steps.

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

Contact Hilltop Finance

Contact us

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

Assessment

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, retirement plan 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.

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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.

Is it possible to plan too early for retirement?

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

Why should I speak with a retirement planning adviser?

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.

What is retirement income planning?

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.

How can I plan for retirement?

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.

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.

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Pension Consolidation

Merging pensions together could enable you to benefit from better performance, lower fees and help you keep on top of your pension.

Learn more

Pension Performance

Your pension could be invested in funds that are not performing well or are no longer appropriate.

Learn more