- SSAS Consultant is not FCA authorised — we provide SSAS consultancy, not regulated financial advice
- All schemes are HMRC-registered under the Finance Act 2004
- Four compliance pillars govern every client engagement
- Pension transfers are optional — independent financial advice is required before proceeding
- Data processed under UK GDPR; registered with the ICO
- Full regulatory statement and company details set out on this page
Compliance &
Regulatory
Status
Transparency is fundamental to how we operate. This page sets out our regulatory status, company information, and the standards we hold ourselves to.
Our framework
Four pillars that underpin every client engagement
Every scheme we establish and every client we work with is governed by these non-negotiable standards.
Company Registration
- SSAS Consultant is a trading name of Raeburn Heriot Consulting Limited
- Company registration number: 15402863
- Registered office: 71-75 Shelton Street, London WC2H 9JQ
- Incorporated and registered in England and Wales
HMRC & Regulatory Compliance
- All SSAS schemes established using HMRC-approved processes
- Every scheme registered with HMRC as a recognised pension scheme
- Full compliance with The Pensions Act 2004 and subsequent legislation
- Ongoing compliance with The Pensions Regulator requirements
- Adherence to Finance Act 2004 pension tax rules
Independence & Conduct
- 100% independent — not tied to any product, provider, or commission structure
- Advice given solely in the interests of the client — always
- No referral fees accepted that could compromise our independence
- Full transparency on fees and scope of service before any engagement begins
- Clear terms of engagement provided to every client
Data Protection
- Registered with the Information Commissioner's Office (ICO)
- All personal data processed in accordance with UK GDPR
- Your data is held securely and never sold to third parties
- Data retention policies in line with regulatory requirements
- Your right to access, correct, or delete personal data is always respected
Please read carefully
Important notices
Before engaging our services, please review the following carefully.
Not a Financial Adviser
SSAS Consultant provides specialist SSAS consultancy and advisory services. We are not a regulated financial adviser under the Financial Services and Markets Act 2000 (FSMA). We do not provide regulated financial advice on investments, pension transfers from defined benefit schemes, or other regulated activities. Where regulated advice is required, we will direct you to an appropriately authorised firm — so you always have the right guidance for the right decision.
Scope of Service
Our services cover SSAS education, scheme establishment, trustee guidance, HMRC registration, and ongoing scheme management support. We work alongside regulated professionals — including financial advisers, solicitors, and accountants — wherever their involvement is required by law or is genuinely in your best interests.
No Guarantees of Investment Performance
Nothing on this website or in any communication from SSAS Consultant constitutes a guarantee of investment performance or returns. The value of pension investments can go down as well as up. Past performance is not a reliable indicator of future results. All investment decisions within a SSAS are made by the trustees, who bear responsibility for those decisions — and we will always ensure you understand that responsibility fully before you proceed.
Please read carefully
Pension transfer compliance
Please confirm that you have read and understood our resources on pension transfers and the rules that apply. The information below sets out what you will need to be aware of before initiating any transfer.
Pension transfers are entirely optional
You do not need to transfer an existing pension into your SSAS. Many members choose not to, and this decision has no bearing on the establishment or operation of your scheme. If you do wish to explore a transfer, the key compliance requirements below will apply.
Evidence of a financial connection between you and your company
As a member of the SSAS, your external pension provider will typically require evidence that you receive income from the company that sponsors the scheme. This is to establish a genuine financial link between you as an individual member and the company.
Acceptable evidence may include:
- Bank statements showing receipt of money from the company — via PAYE salary, director's drawings, or expense reimbursements
- Payslips, if you are paid via PAYE
- Other documentary evidence of earnings from this source
Most external pension providers will expect to see evidence of at least three consecutive monthly payments before they will proceed with a transfer.
Evidence of a financial connection between your company and the SSAS
In addition to the connection between you and your company, your external pension provider will also want to see evidence that your company — as the sponsoring employer of the SSAS — is actively making contributions into the scheme.
This demonstrates that the SSAS is a genuine, active pension arrangement rather than a dormant structure. The contribution level does not need to be substantial — even a modest, regular employer contribution will typically satisfy this requirement.
A regular employer contribution of as little as £100 per month is generally sufficient to demonstrate an active financial connection between your company and the SSAS.
These are not SSAS requirements — they are your external provider's requirements
It is important to understand that the evidence requirements described above are not imposed by SSAS Consultant, nor are they requirements of the SSAS itself. They are due diligence requirements set by your existing external pension providers as part of their own transfer-out process.
Every external provider is different. Some will apply these rules strictly; others may take a more flexible approach. Some may request additional documentation beyond what is described here. We will guide you through the process and help you understand what your specific providers are likely to require — but we cannot control or predict the exact requirements of each individual provider.
If you have any questions about pension transfer compliance, please speak with us before initiating any transfer. We are here to help you navigate this process with confidence.
SSAS Consultant is not FCA authorised and does not advise on pension transfers
This is an important distinction that all clients must understand. SSAS Consultant is a specialist SSAS consultancy — we advise on the establishment, structure, and ongoing management of Small Self-Administered Schemes. We are not authorised or regulated by the Financial Conduct Authority (FCA), and we do not provide regulated financial advice of any kind.
Advising on whether a pension transfer is suitable for you — including whether it is in your best interests to transfer benefits out of an existing scheme and into a SSAS — is a regulated activity under the Financial Services and Markets Act 2000. Only a firm that is authorised and regulated by the FCA is permitted to provide this advice.
If you are considering transferring any pension — particularly a defined benefit (final salary) scheme — you must seek independent financial advice from an FCA-authorised adviser before proceeding. This is not merely a recommendation; in many cases it is a legal requirement.
If you are in any doubt about whether a pension transfer is right for you, please consult an independent financial adviser (IFA) who is authorised by the FCA to advise on pension transfers. You can find a regulated adviser at unbiased.co.uk or via the FCA Financial Services Register at register.fca.org.uk.
Full regulatory statement
The complete legal and regulatory disclosure for SSAS Consultant.
SSAS Consultant is a trading name of Raeburn Heriot Consulting Limited, company number 15402863, registered in England and Wales. Registered office: 71-75 Shelton Street, London WC2H 9JQ.
SSAS Consultant provides specialist consultancy and advisory services in relation to Small Self-Administered Schemes (SSAS). Our services include SSAS education, scheme establishment, trustee support, HMRC registration, and ongoing scheme management guidance.
We are not authorised or regulated by the Financial Conduct Authority (FCA) and do not provide regulated financial advice as defined under the Financial Services and Markets Act 2000. Where regulated financial advice is required — for example, in connection with a pension transfer from a defined benefit scheme — we will refer you to an appropriately authorised and regulated firm.
All SSAS schemes established by SSAS Consultant are registered with HMRC as recognised pension schemes in accordance with Part 4 of the Finance Act 2004. Scheme establishment and ongoing management follow HMRC-approved processes. Trustees are advised of their legal obligations under The Pensions Act 2004 and related legislation.
SSAS Consultant processes personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. We are registered with the Information Commissioner's Office (ICO). Personal data is held securely, used only for the purposes for which it was collected, and never sold to third parties.
The information on this website is provided for general educational purposes only and does not constitute financial, legal, or tax advice. You should seek independent professional advice before making any decisions in relation to your pension or financial affairs.
Last updated: August 2026. SSAS Consultant reserves the right to update this compliance statement at any time.
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Questions about our compliance?
We are happy to answer any questions about our regulatory status, scope of service, or how we operate.
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