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SSAS Pension Scheme

Flexibility, tax efficiencies and other benefits make a SSAS an attractive option for company directors.

A SSAS is a bespoke occupational pension scheme which can be independently managed by the company that sets it up. In addition to the usual tax exemptions available, a SSAS gives its members considerable flexibility and control over the investment policy and underlying assets.

What Is A SSAS?

A Small Self-Administered Scheme (SSAS) is a pension scheme normally set up by a limited company on a defined contribution basis. A SSAS is primarily set up by private and family run businesses for the benefit of the owner, company directors and family employees.

The members are appointed as trustees to have control over the scheme’s assets and investment choices. If all members are trustees, a SSAS benefits from many exemptions from pension legislation applicable to other pension schemes and so it allows a greater range of investments and fewer administrative requirements than other occupational schemes.

A SSAS is registered with HM Revenue & Customs (HMRC) and so benefits from the usual generous tax reliefs afforded to pension schemes such as:

  • Company and Personal contributions are tax deductible.
  • No income tax on investments (within allowable range).
  • No capital gains tax due on disposal of investments.
  • A tax-free lump sum on retirement.
  • Tax free death benefits in the form of a pension or a lump sum on death before age 75.
  • On attaining age 75, death benefits are taxed at the recipient’s marginal rate of income tax.

There are rules and regulations laid down by HMRC relating to each of the above. As administrators we have the experience and expertise to guide you through these and HMRC require at least one individual or company to be registered with them as the official Scheme Administrator.

We can act as joint Scheme Administrator, as this also allows us to file returns.


In addition to the usual tax exemptions available for pension arrangements, a SSAS can offer other benefits for business owners, including:

Greater Control and flexibility over retirement assets
Contributions can be made by more than one employer
Commercial properties can be bought and leased back to your business/ to third party companies
Loans can be made to Participating Employers / Third Party Companies
Investing in your company by buying an equity stake
It doesn’t require any interaction with financial institutions and provides greater investment flexibility.

Members of an SSAS pension can choose how their pension savings are invested and can use their SSAS pension to invest in the company.

Request a free assessment with our team to discuss your needs. We will answer all your questions without obligation.

Is A Pension SSAS Right For Me?

Due to the bespoke nature of a SSAS there may be circumstances when it may not be suitable for you. Our SSAS is likely to be unsuitable for you if:

  • The total fund value of the scheme is unlikely to exceed £200,000.
  • You do not have an existing trading business.
  • Not all members can act as trustees.
  • You cannot act as a joint Scheme Administrator with us.
  • You wish to establish a new scheme (or switch an existing scheme to us) with the intention of making a transfer to an overseas scheme shortly thereafter.

We would consider the particular circumstances of each enquiry on its individual terms before making a final decision.

What We Offer

Our clients choose to use us as they will usually have an allocated Client Manager, supported by a strong team.

We ensure that our client managers deal with any queries as effectively as they should. Every client has a direct extension line to their Client Manager, who looks after all aspects of work required on the SSAS.

Most of our services are conducted by telephone, post and e-mail. We also provide regular communications to keep you up to date with your funds.

Additionally, If you use our preferred bank, you will be able to have a viewing access of the account.

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