Welcome to

Hilltop Connect

This site is for Hilltop Wealth Management Clients Only.
If you’re not a client of Hilltop, please visit our main website hilltopfinance.co.uk.

Hilltop Portal Investment Services Accessing Benefits Retirement Planning Useful Links More

How you can get in touch

Send a secure message

Contact number

If want to speak to us, call us on: 0161 413 7051 We’re open Mon – Thurs 9 am to 5 pm Friday 9 am to 4 pm

Email us

////If want to email us, use the address below: [email protected] You can expect a response within two working days

Our office

Our postal address is: 3 Fabrica, 269 Great Ancoats Street, Manchester, M4 7DB.

Send a message

Leave your details and we’ll call you back. We’re open Mon – Thurs 9 am to 5 pm & Friday 9 am to 4 pm

Call us now on 0161 413 7051 or arrange a call back

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Tax Efficient Investment Services

The best time to start investing was yesterday. The second best time? Today. Get tailored and personal advice on the most suitable tax-efficient investment for you. As a client of Hilltop, you have access to our advisers who can assess your current investments to make sure they’re the right fit for you. Our investment service covers Stocks and Shares ISAs, Cash ISAs, General Investment Accounts and Bonds.

The investment assessment service will cover the below:

Investment Performance
Financial Risk On Your Investment
Provider Fees
Tax Efficiencies
Flexibility
Investment Limits

If you have a cash lump sum of over £10,000 and unsure on where to invest, our advisers can help find the right, tax-efficient home for your money.
Make an enquiry today and add your investments to the management of your pension.

Call 01614137051 or send us a secure message through the PFP to book your investment call.

Accessing Benefits

If you’re over 55 years old and looking to access funds from your pension, our Accessing Benefits team are here to help. As releasing funds from your pension can be a big decision that could impact your future, we recommend booking an appointment with the team to talk through your options.

Step 1

Contact our Wealth Team to book an appointment with an adviser to discuss what you’re looking to do. If you are seeking to make a withdrawal from a pension, we will conduct a preliminary triage call. During this call, we will discuss your intentions and the desired amount you wish to withdraw. Additionally, we will gather current and relevant information about your personal circumstances. This information will enable our accessing benefits team to prepare a comprehensive cash flow and recommendation report.

Step 2

Once the triage call is complete, you will be booked in with an accessing benefits adviser to discuss the report and recommendations. The report will provide a summary of the recommendations, along with cash flow modeling to demonstrate the potential impact of the proposed withdrawal. If you are considering taking a regular income, the report will assess whether it is sustainable throughout your retirement. This concise report will give you a clear understanding of the implications and enable you to make an informed decision regarding the withdrawal.

Step 3

Make your decision. If you wish to proceed with the withdrawal and we agree it’s sustainable please confirm via PFP message or call 0161 413 7051. The accessing benefits team can start dis-investing your funds with your pension provider following your instruction. Withdrawing funds from your pension differs from taking money from a bank account. Your assets must be disinvested, and the cash transferred to your nominated bank account. This process could take 10 - 14 working days to complete.

Please note – creating the first withdrawal plan or taking a one-off payment from your pension could take three to four weeks.

To book an appointment with an Accessing Benefits Adviser, please send us a secure message through your PFP or call 0161 413 7051.

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.

Call 0161 413 7051 to book an appointment to speak with your adviser to plan for retirement.

Useful links

State Pension HMRC National Insurance and Tax Hilltop YouTube More

The state pension may play a key part in funding your retirement, so it’s always worth checking to see how much you maybe entitled too.

The link below will take you to the Government website where you can get a state pension forecast. Please be aware, that you will need your Government Gateway User ID and password to sign in. If you cannot remember the details, there are clear instructions on how to find out your user ID and passwords.

https://www.gov.uk/check-state-pension

For any tax queries or questions, HMRC are best placed to assist. They usually give you the option to contact them through an online form, webchat or by phone.
The link below, will take you to the HMRC Government site.

https://www.gov.uk/contact-hmrc

If you’re over state pension age and still paying National Insurance or believe you’ve overpaid income tax, you maybe able to claim any overpayment.
The link below, will take you to the Government website, where you can potentially claim back any monies.

https://www.gov.uk/tax-national-insurance-after-state-pension-age/claiming-back-tax-or-national-insurance

Take a visit to our YouTube channel, where we host regular video market updates and informative information.

https://www.youtube.com/channel/UCbb1mT2l9j0Vje9adhe8yQw

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