Could a SSAS Transform Your Business, Pension & Finances?
A clear, step-by-step guide to understanding how a Small Self-Administered Scheme could work for you as a business owner.
What We'll Cover Today
This session is designed to walk you through exactly how a SSAS pension scheme works, what it can do for your business, and whether it's the right fit for you. No jargon. No pressure. Just clarity.
Why We're Different
There are many SSAS providers in the UK. Here's why business owners choose us.
The only independent SSAS Strategy Consultancy in the UK
Every other provider focuses solely on administration. We go further — providing genuine strategic guidance that keeps your SSAS working in step with your business goals, year after year.
Truly independent — not tied to any provider or product
We have no financial incentive to recommend one product, bank, or investment over another. Our advice is always in your best interest, full stop.
Time-served specialists who walk with you every step
From the very first question to the day the SSAS is established and beyond, we are there. No hand-offs, no call centres — just consistent, expert support from people who know SSAS inside out.
Four levels of ongoing strategic support
From self-directed Essentials to fully supported Bespoke — you choose the level that fits. No one else in the UK offers this kind of structured, ongoing SSAS strategy service.
Our unique SSAS Pathway — end-to-end client support
We are the only firm in the UK that guides clients through every stage of the SSAS journey under one roof: Consultation → Education → Application → Approval → Utilisation.
Cohesive SSAS & business guidance — joined up, not siloed
A SSAS does not exist in isolation from the business that funds it. We provide genuinely joined-up guidance that connects your pension strategy directly to your business planning.
What is a SSAS?
A Small Self-Administered Scheme (SSAS) is an occupational pension scheme set up by a limited company for its directors and key employees. Unlike a standard pension, a SSAS gives you direct control over how your pension funds are invested — including back into your own business.
- Set up by your limited company
- Up to 11 members (typically directors and family)
- Full trustee control over investments
- HMRC registered and fully compliant
A SSAS is one of the most powerful and flexible pension vehicles available to UK business owners.
The Power of Tax Relief
Every contribution made to your SSAS attracts significant tax relief. Your company can make contributions as a business expense, reducing your corporation tax bill — while the funds grow in a tax-efficient environment inside the scheme.
- Company contributions are a tax-deductible business expense
- Up to £500,000 per annum tax allowably
- Carry forward unused allowances from the previous 3 years
- Funds grow free of income tax and capital gains tax
A £500,000 company contribution could save your business up to £125,000 in corporation tax.
Invest Back Into Your Business
One of the most unique features of a SSAS is the ability to lend money back to your sponsoring employer. Your pension fund can loan up to 50% of its net assets back to your company — giving you access to capital at competitive rates while keeping the interest within the scheme.
- Loan up to 50% of the SSAS net asset value
- Minimum loan term: 1 year, maximum: 5 years
- Interest rate must be at least 1% above base rate
- Loan must be secured against company assets
Access your own pension funds to invest in your business — keeping interest payments within the scheme.
Commercial Property
Your SSAS can purchase commercial property — including your own business premises. This means your company pays rent to your pension scheme instead of a landlord, building wealth inside your pension while your business occupies the property.
- Purchase commercial property directly
- Your company pays rent into your pension
- Property grows free of capital gains tax
- Can purchase your own commercial property from yourself
Stop paying rent to a landlord. Pay it into your own pension instead.
Investment Flexibility
Beyond property and loans, a SSAS can invest in a broad range of assets. As trustees, you have the flexibility to build a diversified portfolio that reflects your investment strategy and risk appetite.
- Stocks, shares and investment funds
- Commercial property (UK and overseas)
- Unquoted shares in private companies
- Gold bullion and other permitted assets
Your SSAS, your strategy — invest in what you know and understand.
Succession & Legacy Planning
A SSAS is an exceptional tool for intergenerational wealth transfer. Family members can be included as members, and on death, pension assets can be passed on free of inheritance tax — making it a powerful legacy planning vehicle.
- Include family members as scheme members
- Pension assets outside of your estate for IHT purposes until April 2027
- Pass wealth to the next generation
- Ideal for family-owned businesses
Build a pension that works for your family — not just for your retirement.
Is a SSAS Right for You?
A SSAS is not right for everyone — but for the right business owner, it can be transformational. Here's a quick checklist to help you understand whether you're likely to be a good candidate.
- You own or direct a UK limited company
- Your company is profitable and paying corporation tax
- You have an active TRADING company
- You want control over your pension investments
If you tick most of these boxes, a SSAS discovery call could be one of the best conversations you have this year.
Let's Look at the Numbers
Now that you understand what a SSAS can do, let's put your own numbers to it. Our interactive calculator models exactly what a SSAS could mean for your business — covering tax relief, investment growth, property income, loan returns, running costs, and a direct comparison against not having a SSAS at all.
- Corporation tax relief at HMRC 2025/26 rates
- Investment portfolio growth at 7% compound
- Commercial property rental income
- Loan-back interest returns at 8% p.a.
- Annual running costs vs. net benefit
- SSAS vs. no-SSAS comparison over 5 & 10 years
Enter your company's contribution level and projection period to see a personalised breakdown in under two minutes.
The Process From Here
Getting started with a SSAS is straightforward when you have the right guidance. Our team will walk you through the entire process — from initial discovery through to scheme establishment and your first investment.
- Let's book our next call in so that we are all focused and working to a timeline. We will send you our SSAS benefits calculator and fee quotation
- We ask that you acknowledge the fees quoted
- There is no obligation at this stage
- This will then give you access to your full SSAS Onboarding Hub
Most SSAS schemes are established within 12–15 weeks of the initial decision to proceed.
Ready to Explore Whether a SSAS is Right for You?
Book a no-obligation discovery call with our specialist team. We'll review your situation and give you a clear, honest assessment of whether a SSAS could work for your business.