Harnessing The Strength Of Joint Financial Planning
26 June 2023 5 minute read
It’s better to plan together.
Together, let’s make your retirement dreams a reality – twice the joy, twice the fulfilment! Leave the best contact details for your spouse and we’ll call them back.
Important information: Our website offers information about investing and saving, but not personal advice. If you’re not sure which services are right for you, please request advice from Hilltop’s financial advisers. Remember that investments can go up and down in value, so you could get back less than you put in.
Share the gift of retirement planning with your spouse.
Retirement planning is a journey that is best experienced together. It is for this reason that we invite you to refer your spouse and embark on this exciting adventure together. By joining forces, you can create a future that’s even brighter, more fulfilling, and, potentially financially secure. Help them discover the benefits of planning retirement together by referring them to Hilltop.
Your spouse shouldn’t miss out on this exciting opportunity. Take the next step, refer them today, and unlock the full potential of your shared retirement planning.
Take control of your future, hand in hand.
Don’t leave your retirement to chance. Together, we can turn you and your partners’ retirement aspirations into reality. We can help you build a retirement that’s not only financially secure but also filled with optimism, and security. Remember, retirement is not just an individual endeavour—it’s a shared adventure. So plan your future together!
- Multiply the rewards: It could be possible to boost the combined pension pot and create a strong financial outlook for the future.
- Peace of Mind: Have the comfort of knowing your combined financial outlook, and what funds you can enjoy in retirement.
- More opportunities to grow: Our assessment service checks fees, risk category, performance, and accessibility, to ensure your spouse’ pensions are fit for purpose.
- Celebrate milestones together: Imagine the satisfaction of celebrating your retirement milestones, knowing you’ve built this future as a united front.
- More tax efficient: 85% of married couples aren’t aware of the tax efficiencies of planning together, according to research by LV.
- Ongoing advice and support: Our Wealth team can help couple with planning for retirement, and accessing funds during retirement.
What to expect from our advisers
We will extend a warm invitation to your spouse, introducing them to our assessment programme and tailored retirement planning. During the initial call our aim is to listen and understand your partners current retirement planning situation, their goals, and how our involvement can enhance your overall retirement strategy.
Free Assessment
A free, no-obligation assessment for your partner could show they’re in a good place already and no changes are necessary.
Peace Of Mind
We can also offer a transfer of servicing, where we can monitor your partners funds alongside your own and talk through annual reviews.
Joint Annual Reviews
If we find we can improve your partner’s pension, and it requires switching our service fees are 1.5% of the transfer value for your spouse plus a 1% ongoing service charge. Depending on your preferences, we can provide single or joint annual reviews.
Couples who jointly plan, could enable a couple to generate an income of £25,140 per year income tax-free plus any top-ups from your 25% tax-free pension lump sum allowance. Making your pension pot stretch further.
To book your spouse an appointment with an adviser, please send a secure message through your PFP, call 0161 537 0092 or arrange a callback for your partner by leaving us their details on the form above.
Resources
News, tips & advice on planning your retirement together
Take control of your future, hand in hand.
Leaving big financial decisions to one partner often means the other is left in the dark about what decisions have been taken and what preparations have been taken for retirement.
According to LV, 66% of married people don’t know how to ensure their spouse will be left with enough pension income if they were to pass away. Life is never straightforward, and even with the best planning individually, a partner may leave their spouse not knowing where their pension funds are held, how to access the money, and leave them short of income when you pass away.
Planning together, both partners will fully understand what each other has and how to gain access should the worst happen.
1/3
2/3
3/3