Mobile menu

Pension Planning and Retirement Service

What Services Do We Provide?

Pension Reviews

Our pension review service will analyse your current private pensions to see how they are performing and whether there are better performing, and more suitable pensions on the market for you so that you can ensure you live a comfortable retirement.

More About Reviews

Pension Consolidation

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.

More About Consolidation

Pension Drawdown

Thinking about taking your pension money flexibly but not sure how or whether it’s right for you? Our pension experts can help work it out. You’ll receive expert advice to make the right choices for you, minimising tax costs and avoiding potential risks.

More About Drawdown

Retirement Planning

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

More About Planning

Pension Advice

A financial adviser will be able to assess your pensions, retirement goals and evaluate your attitude to financial risk to find the most suitable product for you. Alongside the assessment of your current product, they will also put together a retirement plan that could help you achieve your retirement goals.

More About Advice

Pension Annuity

Purchasing a pension annuity is seen by many as a great way to ensure essential bills are paid throughout retirement. If you’re looking for a secured income in retirement, then our financial experts can go through everything with a no-obligation pension consultation.

More About Annuities

Pension Performance

If your retirement savings are on track, you can still take steps to make it more certain that your pension pot will be able to achieve the income you want when you retire. If you haven’t yet reviewed your pension savings against a retirement income goal, then get in touch today.

More About Performance

Pension Transfers

Transferring your pension to a new provider is an important decision, & talking to a pension specialist could save you from a costly mistake. Fill out our quick form & we will call you for a free, consultation to see how we could transfer your funds to a better pension for you.

More About Transfers
Ethical Pension Advice

Ethical Pensions

The members of the Hilltop Finance team are specialists in the provision of unbiased and transparent pension advice. Their highly trained and knowledgeable experts can help you to find a socially responsible or eco-friendly pension fund that suits your needs and ideals perfectly.

More About Ethical Pensions

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.

Make An Enquiry

We Advise On All Brands Of Pension

canada lifeRoyal London PensionLV PensionZurich pensionscottish widows pensionaegon pension adviceAviva PensionPrudential pensionReAssure Pensionsnest pensionThe peoples pension logoStandard Life Pension Logo

Pension Fees Calculator

Are Fees Impacting On Your Retirement?

Pension provider fees can make a significant difference in the amount of money you can enjoy in retirement.

The difference between 2% and 0.5% may look small. Still, in terms of impact on your pension funds, it could be the difference between a comfortable or a challenging retirement.

Our pension fee calculator can show you the vast differences pension provider fees can make over time on your pension. Enter your current pension value, your age and the age at you wish to retire, and see the difference fees can make.

Would you like to get a personalised forecast? Speak with our pension specialists today and start your pension assessment.


* Performance calculated using fixed 5% growth rate and monthly compound interest. The examples shown are for representative purposes only and should not be used as a pension forecast or advice.

0.5% fee

1.0% fee

1.5% fee

Expert Advice

Expert advice in three simple steps.

We make it easy and simple to get expert advice on your pension and retirement plans.

Contact Hilltop Finance

Contact us

Fill in our form or call 0161 413 7051. Our team will then have a brief chat to get a better understanding of your pension and retirement needs.

Pension Assessment Icon

Report and assess

As soon as you give us the 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.

pension pot advice

Make informed decisions

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.


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 can I combine all my pensions from different employments?

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.

What does a financial advisor need when combining pensions?

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.

If you combine two pensions can you take 25% tax-free of the combined amount?

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.

Do you lose money consolidating your pension?

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.

How do I consolidate my pensions?

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.

Is it better to combine your pensions?

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.

When can you drawdown your pension?

You can drawdown from a personal pension from your 55th birthday. In some circumstances i.e. ill health, your pension provider may allow you to take money from your pension, but this is at their discretion.

Capital at Risk

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 66 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.

Capital at Risk.

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.

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.