SSAS Pension Advice

At Simpson Wood, we are experts in offering SSAS (Small Self-Administered Scheme) pension advice. SSAS pensions are ideal for UK limited companies or partnerships, particularly appealing to company directors planning their retirement. SSASs stand out due to the significant control they offer over pension funds.

Investment Flexibility and Tax Benefits

One of the key attractions of SSAS pensions is the broad spectrum of investment options. SSAS members can choose to invest in various assets such as stocks, shares, as well as property, including potentially the company’s own premises. The flexibility offered is complemented by tax advantages: contributions are eligible for tax relief, and investments within the scheme are generally free from tax liabilities. Additionally, commercial properties within the scheme benefit from being exempt from capital gains tax upon sale.

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Looking for some help or a little advice?

Call today on 01484 534431 or fill in our enquiry form below, and we’ll call you back.

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Seeking Professional Advice

Navigating the intricacies of SSAS pensions can be complex. At Simpson Wood, we are dedicated to guiding our clients through these challenges. Whether it is establishing or managing a SSAS pension, our goal is to ensure it aligns with our clients’ business strategies and retirement planning objectives.

If you are considering a SSAS pension scheme for either the directors or key staff members within your organisation, then, we are able to provide comprehensive, expert advice to help you make a well-informed decision.

Investment Flexibility of SSAS Pensions

A key benefit of SSAS pensions, as we frequently advise, is their significant investment flexibility. This allows for investment in a wider range of assets compared to other pension schemes. A SSAS can also lend money back to the company, buy company shares, or borrow money for investment purposes.

In summary, as a Financial Planning business, we assist clients in setting SSAS structures where a SSAS is the most suitable product offering. We also review underlying assets held under management, and aid with the compliance work required to ensure the SSAS remains compliant.

SSAS Providers

There are many SSAS providers in the market place. It is key to select the most appropriate provider in line with your current needs and objectives. A SSAS is a complicated pension plan, therefore, it is imperative a provider is selected who can offer full scheme administration, trustee services, actuarial services, and investment flexibility where these services are necessary.

Determining Your Service Level Needs

We emphasise to our clients the necessity of deciding the level of service required from a SSAS provider. The options vary from basic tasks like payment processing and filing scheme returns, to more involved services such as corporate trusteeship, ensuring HMRC compliance, or lifetime SSAS brokerage that encompasses both scheme establishment and ongoing investment strategy.

A Long Established History

Established 1880

Our Team of

50+ Staff

Working Closely With

Businesses & Individuals

Take Professional Advice Before You Act

Our approach includes optimising tax relief benefits and adhering to annual allowances, ensuring efficient tax management. We provide strategic advice on pension withdrawals to balance tax liabilities and income, and explore semi-retirement options, leveraging the pension freedoms introduced in 2015.

Our team of financial advisors is dedicated to creating bespoke retirement plans that balance risk and growth potential, guided by the latest market trends and regulatory changes. This holistic strategy is designed to ensure a secure and comfortable retirement for our clients, tailored to their unique financial circumstances and goals.

If you would like to discuss planning for your retirement, please contact us.

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