Our Self-Invested Personal Pensions (SIPP) and Small Self-Administered Schemes (SSAS) are used by people wanting to invest their pension money in commercial property or with discretionary fund managers.
Our SIPP allows individual investors to access a huge range of investments including direct investment into commercial property and accounts with many Discretionary Fund Managers. As of 1 January 2018 our SIPP portfolio includes over 15,000 SIPPs, £3.4bn in assets under administration (AUA) and over 1,200 commercial properties.
Our SSAS allows business owners to lend back half of their pension savings to their business on top of the investment options available to our SIPP investors. As of 1 January 2018 we hold over 2,170 SSASs, £4.1bn in assets under administration (AUA), around 2,750 commercial properties and agree approximately 80 new loan-backs per annum.
We help people with legacy Funded Unapproved Retirement Benefit Schemes (FURBS). This work includes getting paperwork in order, advising on investment options and closing down schemes where members want to draw benefits.
The UK is experiencing an ageing population, with issues of health and government legislation relentlessly adding to the complexity of pensions.
If you are going through a divorce the last thing on your mind may well be your, or your spouse’s, pension savings. However, as pension savings can be a valuable personal asset they might be taken into account in your divorce settlement.
The SIPP has experienced extraordinary growth during its first 30 years, particularly with harnessing of technology by SIPP providers with more to come.
There have been substantial recent changes in pensions legislation affecting high-earners. As a result, senior university staff may now face tax charges on their ongoing pension savings.
NHS staff are now facing tax charges on their ongoing pension savings. Barnett Waddingham provides a bespoke and specialised service designed to meet the pension requirements for NHS employees.
Our Executive Pensions team have extensive experience of both TPS and LGPS and are ideally placed to assist schools and Head Teachers with the decision as to which pension arrangement would be best for the school and their new Executive Head Teacher.
This webinar will provide an update of all that is going on in the world of self-invested pensions, against a backdrop of significant constitutional change within the UK.
While a dearth of pension changes in the October 2018 Budget is generally a welcome thing, our Pensions Technical Specialist James Jones-Tinsley looks at key issues the Chancellor won’t be able to keep dodging and explains why they matter to financial advisers and their clients.
The tax year end is the time when most people examine their personal and company finances. To help professional advisers be ready for client questions at a time when every minute counts and we’re hosting a live webinar with a strong technical focus.
One of the important things to remember with drawdown is that your pension fund may be tested more than once against the lifetime allowance (LTA): once when you go into drawdown and again when you reach age 75.
Using pension savings to purchase a commercial property to “leaseback” to a company, is often a useful way to provide that company with a welcome cash injection.
Limited companies may be liable to a Corporation Tax bill when selling commercial property. Similarly, an individual may incur a Capital Gains Tax (CGT) liability on corresponding gains.
Following the government announcement of new consultation scheme our experts have addressed the wider impact of an imperfect tax structure.
The FCA’s “Effective competition in non-workplace pensions” Feedback Statement risks giving consumers the price of everything and the value of nothing, says James Jones-Tinsley, Self-Invested Pensions Technical Specialist.
Today the FCA has published a number of documents and the latest ‘Retirement Outcomes Review’ Policy Statement has confirmed all pension providers will have to offer Investment Pathways to those individuals who go into drawdown on a non-advised basis.