Our aim at all times is to be an essential partner to your business.

Self Invested Pensions

Pensions are often incorrectly seen as an untouchable asset or dead money. Nothing could be further from the truth. By opting for "self-investment" through a SIPP (self-invested personal pension) or SSAS (small self-administered scheme) you as a business owner can create and control a pension fund which will actively help your businss in a number of ways : -

Property Purchase - Holding the business premises within the tax favourable environment of a pension can release capital to the business whilst at the same time ensuring the pension owns a tangible asset generating a commercial income. The approach is equally applicable to both limited companies and partnerships.

Property Loans - To help the pension purchase commercial property.

Loanback - a loan from the pension to the business which can help fund certain business projects. This can achieve tax efficiency, improve cash flow and reduce the dependency of a business on its bankers.

Inheritance Tax Planning - A pension fund remains a highly efficient method of passing capital to the next generation and avoiding what can be a punitive tax charge on capital built up over many

Whilst the sale of a business to fund your retirement will always be an option this is a high risk strategy. Will you be able to sell the business, for the value you want, when you need it at retirement? We believe pension planning using SIPP and SSAS strategies is a prudent and proven option.