What is a SSAS?

A Small Self-Administered Scheme (SSAS) is an occupational pension fund generally set up by family run limited companies to build up a pension pot for their retirement, which can also help their business.

In the same way as a SIPP, the SSAS accumulates a pension fund for its members. At retirement the member has the same choices as for the SIPP. Where a SSAS differs is that it can make a loan back to the employer; an attractive proposition in the current economic climate.

Your SSAS can also purchase the business property and lease it back to the company on commercial terms.

At Walker Crips Pensions, we will work with you and/or your financial adviser to arrange and manage your SSAS, registering it with the relevant authorities and deal with the day to day running of your Scheme. You decide what you want your Scheme to invest in and your ultimate aims, and we will help you achieve it.

You will always have direct access to a dedicated Consultant and Administrator who will be assigned to your Scheme. Both of them will know you and your Scheme and they can be contacted on the phone, via email, or at our offices in York.

SSAS’s are registered with HMRC and are eligible for the same tax reliefs as usual pension schemes:

  • Contributions are tax deductible
  • With allowable investments, no income tax has to be paid
  • When disposing of investments held in the fund, you don’t need to pay capital gains tax
  • You can access a tax free lump sum on retirement, from the age of 55
  • A nominee can access a tax free lump sum if member dies before the age of 75

If you have any questions relating to SSAS’s, please call Wendy Eastwood on 01904 544312 or email [email protected].

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Call us on 01904 544312

Or email us at [email protected]

Investors should be aware that past performance is not a reliable indicator of future results and that the price of shares and other investments, may fall as well as rise and the amount realised may be less than the original sum invested.


Walker Crips Group plc (Old Change House, 128 Queen Victoria Street, London EC4V 4BJ), registered in England, registered number 1432059, incorporates the following companies which are authorised and regulated by the Financial Conduct Authority: Walker Crips Investment Management Limited registered in England number 4774117 member of the London Stock Exchange, Walker Crips Wealth Management Limited registered in England number 3790291, Ebor Trustees Limited registered in England number 3514268, Barker Poland Asset Management LLP registered in England and Wales number OC341149.