Pension Trustees

Providing business owners with a greater level of control.

SSAS specialists

A Small Self-Administered Scheme (SSAS) is a type of pension that can be set up with between 1 and 12 members, via a trust deed effected by the directors of limited companies for themselves, senior executives and selected employees, though they can also include family members, even if they are not employees.

Unlike personal pension solutions, a SSAS gives business owners more control over the use and investment of monies in the pension scheme, including owning property or other assets, or loaning money back to the business – all subject to conditions.

Benefits of a SSAS

Low costs

There’s one single set of charges regardless of how many scheme members there are, reducing the cost of administering the pension.

Tax efficiency

Not only do employer and member contributions receive tax relief at the appropriate rate, investment income and gains within the scheme (apart from some dividend income) are generally exempt from Income Tax and Capital Gains Tax.

Transfers

Funds from other pension arrangements can be put into a SSAS, as can contributions from the company or a member attracting tax relief.

Investments

You can invest the funds within a SSAS into stocks and shares style investments in line with your scheme’s attitude to risk.

Flexible

It offers your business greater flexibility on where the scheme’s assets can be invested. For example, you may be able to purchase a trading premises and rent it back to the business, paying the rental income into the scheme (subject to conditions).

Borrowing

The SSAS can borrow money for investment. For example, the SSAS may raise a mortgage to assist with the purchase of the company premises by the scheme and the mortgage repayments may be covered by the rental income the company pays into the SSAS.

Who we work with

People approaching retirement & in retirement

Business owners

Investors

People who have received an inheritance

Could a SSAS benefit your business?

We’re specialists in providing Small Self-Administered Schemes, which are ideal for many businesses and partnerships as a flexible and tax-efficient pension solution with a low set-up cost.

Get in touch today to see if taking out a SSAS could help your business.

Meet us

Mark Denley

Chairman
Chartered Financial Planner
Investment Manager
Professional Trustee

Simon Rees

Managing Director
Chartered Financial Planner
Compliance Officer

Siobhan Cordery

Director
Chartered Financial Planner

Lee Armstrong

Director
Operations and HR

Tom Sparke

Director - GDIM
Investment Manager

Michael Bretherick

Associate Director
Chartered Financial Planner

Julie Mallett

Associate Director
Chartered Financial Planner

Megan Entecott

Associate Director
Chartered Marketer
Marketing, Systems & Projects

Sean Pledger

Financial Planner

David Foster

Financial Planner

Mike Waters

Paraplanner

Connie Ruck

Paraplanner

Matt Ellis

Paraplanner

Hamish Denley

Client Review & Technical Support

Nigel Gammon

Group Business & SSAS Technical Manager

Sharon Jackson

Head of Client Administration

Claire Carter

Client Support

Kelly Holmes

Client Support

Dan Piper

Client Support

Emily Morris

Client Administration Manager

Sally Keys

Client Review Manager

Kelly Snyman

Client Review Coordinator

Laura Hale

Client Review Coordinator

Natasha Newton

Client Review Manager

Mark Abrahams

Investment Analyst

Jackie Abrey

HR, Facilities & Events Coordinator

Carley Mack

Training & Competency Coordinator

Elise Francis

Marketing assistant apprentice

Contact us

To arrange a free initial consultation, contact our team today.

01954 233 650 financial@gibbsdenley.co.uk