Self-Invested Personal Pensions (SIPPs)

A Self-Invested Personal Pension (SIPP) offers a great level of flexibility and control over your investment choices, making it particularly attractive as a retirement vehicle.

We are committed to providing an excellent personal service, which is delivered through a dedicated point of contact. As of 1 December 2024, we administer more than 107,600 SIPPs, totalling £26.04 billion in assets under administration (AUA) including over 1,300 commercial properties. We have accumulated significant experience in providing white-label SIPPs and third-party administration. These are built on principles of quality, alignment and efficiency and have contributed significantly to our growth.

Our Flexible SIPP is a ‘lite’ SIPP and bespoke SIPP in one to give you the best of both worlds. We also offer third-party administration and white label (co-branded) SIPP arrangements to suitable business partners.

Howden has acquired Barnett Waddingham

Howden, the leading global insurance and employee benefits intermediary group, has fully acquired Barnett Waddingham.

Who is Howden?

Howden is a leading global insurance and employee benefits intermediary group, headquartered in the UK, with over 20,000 people globally, working across 55 countries to create the best solutions for their clients.

Howden are driven by an entrepreneurial spirit that empowers their people to make a meaningful impact for their clients through their client-first approach – ensuring exceptional service and impactful results. This distinctive approach, strong client-first culture, and ongoing investment in people and services are key reasons why we believe that joining Howden offers fantastic career opportunities for our people and is a great home for our valued clients.

What does this mean for you?

There will be no changes in the day-to-day running of our services. Your contacts will remain the same and the exceptional service you expect to receive will continue. Our product fees and terms and conditions will not be affected in any way.

Howden and Barnett Waddingham share a client-first approach, dedicated to delivering exceptional service and impactful results. This unwavering focus gives us confidence that our valued Barnett Waddingham SIPP clients can continue to expect the same outstanding level of service that they have always enjoyed.

I still have queries, who do I contact?

Should you have any queries whatsoever, please contact us on 0344 443 0100 or email cheltenham@BWSIPP.co.uk and we’ll be happy to help.

Abolition of the Lifetime Allowance from 6 April 2024

From 6 April 2024, the Lifetime Allowance will no longer apply when you take benefits from your pension scheme. Instead, new allowances will apply when you take a tax-free lump sum or transfer to an overseas pension scheme.

We’re providing this information to help you understand if you might be affected by these changes. It’s based on our current understanding of draft legislation and of guidance published by HMRC. Changes may still be made before 6 April.

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I am an adviser

We provide financial advisers with the technical back-up and expertise that helps support your business and your clients, both now and in the future. For instance, you can expect a dedicated point of contact, annual CPD-accredited seminars and in-depth technical briefings.

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I am a direct client

We strongly suggest you seek financial advice before application and during the lifespan of a SIPP.

If you wish to find a SIPP financial adviser, we suggest you visit this website.

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Please note: we do not offer any financial advice on the suitability of SIPPs or on any investments made and would strongly recommend that members work with a financial adviser.

If you are an existing client, find more information about the Barnett Waddingham SIPP. This SIPP closed to new business on 30 June 2014 and is the forerunner of the Flexible SIPP.