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The 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 Aftercare service, we can monitor your pension’s performance ongoing.

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.

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.

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.

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.

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.

How much money do I need to retire?

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.

When can I retire?

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.

Do all private pensions offer pension drawdown?

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.

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.

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.

Why is telephone-advice better?

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.

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