What does our pension review service cover?
Understand how your pension has performed and what it will deliver for your retirement. We could improve your pension’s performance.Learn more
If you’re over 55, you could access your pension and withdraw tax-free cash. We can help put a retirement plan together to ensure you don’t run out of money.Learn more
Merging pensions could make it easier to manage your funds and plan for the future. Consolidation could enable you to benefit from better performance and lower fees.Learn more
Defined Contribution, SIPP or Stakeholder Pension? It can be unclear what type of private pensions you have, but our advisers can give you straightforward advice.Learn more
We work with the whole market…
You’re at the heart of everything we do.
We believe in keeping things simple, and to provide you with all the tools necessary to make informed decisions about your finances. Our advisers will not confuse you with industry jargon or complex calculations that could deliver doubt about the financial advice we are giving. We are real people, giving real-life financial advice about your pensions and investments.Arrange a callback
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.
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 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.
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.
Questions to ask yourself...
Not all ﬁnancial advisors specialise in retirement planning, but we do. Speak to the Hilltop Finance ﬁnancial advisers today to see if we can get you lower charges or a greater return on your pension.
Am I paying higher charges than I need to?
Am I missing out on good fund performance?
Am I taking a greater risk with my money than I realise?
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.
The amount of money you need to retire is completely personal and dependent on how much you want to spend monthly, annually and for how long. It’s suggested that the average couple will need £29,100 per annum according to the Pensions and Lifetime Savings Association in 2019.
The age at you wish to retire is completely up to you if you have personal pensions. If you qualify for a full state pension, depending on your date of birth, this could start at 67 years old.
If you have a defined benefit pension, the scheme may dictate when you can start taking money from the scheme. This isn’t necessarily when you can retire, simply when they will allow you to start receiving an income.
No, not all pensions offer the flexibility of pension drawdown, and it’s always advisable to speak with a financial adviser to find out if your policy offers flexible drawdown.
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.
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.
Hilltop Finance is a little different from the typical financial adviser; we are a predominately telephone-based advisory service. We believe that this offers more flexibility and benefits to our clients; including: –
Convenience – You can talk to your adviser when you are at home, on a lunch break or commuting to work.
More Secure – We record all calls, and they’re logged and compliant to FCA standards. Face-to-face appointments aren’t, so there could be more opportunity to be misadvised.
In Your Own Time – We work at a time that suits you. You don’t have to wait around if we’re stuck in traffic or late to the booked appointment.
Efficient Process – With efficient telephone conversations, we can keep the impact on your busy daily life at a minimum.
Accessible – Your financial adviser is more accessible through a telephone meeting than booking a specific face-to-face appointment, weeks in advance.