SSAS: A Pension Exclusively for UK Business Owners
Time served Independent SSAS Specialists
A Pension Built Around Your Business — and Your Future
Speak with people who have spent decades helping business owners like you get the very most from SSAS
We have built a unique full pathway that covers every aspect of SSAS — so that wherever you are in your journey, you will find the right support, the right expertise, and the right people, all in one place. You will not find this level of joined-up support anywhere else.
Connect with us- SSAS is a pension exclusively for UK business owners and directors
- Extraordinary investment flexibility — property, loans, equities and more
- Full pathway support: education, establishment, and ongoing strategic use
- Independent and unbiased — not tied to any provider or product
- 75+ resource library shared with every client
- HMRC-approved processes throughout
About SSAS Consultants
Time served Independent SSAS Specialists
SSAS Consultant is an independent specialist. We are not tied to any provider, product, or commission structure. We are time served Independent SSAS Specialists — bringing decades of hands-on experience to every client engagement.
"Independent. Unbiased. Time served Independent SSAS Specialists."
SSAS Knowledge
We've got you covered
Every client receives access to our full SSAS Resource Library — a comprehensive collection of over 75 guides, videos, and process documents that explain every aspect of SSAS in plain language. From understanding the fundamentals through to the finer points of ongoing scheme use, our library ensures you are never left in the dark.
We believe that an informed client is an empowered client. Before we do anything else, we make sure you truly understand what a SSAS is, how it works, and what it can do for your business and your future.
In-depth guides
Comprehensive written resources covering every aspect of SSAS — from establishment and HMRC registration through to advanced investment strategies.
Video walkthroughs
Step-by-step video explanations that bring SSAS concepts to life, making complex rules and processes straightforward and easy to follow.
Process documentation
Detailed process guides covering the practical steps involved in running your SSAS — from trustee duties to contribution planning and beyond.
75+ resources in total
A constantly growing library spanning the full lifecycle of a SSAS — everything you need to understand, establish, and confidently use your scheme.
Our approach
Our Process Brings Together All the Key Parts
A unique, full-pathway service covering every aspect of SSAS — from first understanding through to ongoing strategic use alongside your business.
Understand
We help you understand SSAS, its scope, and its extraordinary potential for your business. Education is the foundation of every successful SSAS journey.
Set Up
We manage the full SSAS establishment process — HMRC approval, trustee structure, scheme documentation, and everything in between.
Use & Grow
We work with you ongoing to use your SSAS in tandem with your business — commercial property, lending, investment, and more.
The SSAS ecosystem
We Coordinate Every Part of Your SSAS
SSAS involves far more than a single adviser. It requires a carefully assembled team of specialists — for both the creation of your scheme and its ongoing strategic use. We coordinate every element, independently, so you don't have to.
SSAS Creation & Establishment
Setting up your scheme correctly from day one
SSAS
Consultant
COORDINATES
HMRC & Compliance
Scheme registration, HMRC approval, and ongoing regulatory reporting
SSAS Administrators
Day-to-day scheme operation, record-keeping, and annual returns
SSAS Pension Trustees
Trustee structure, duties, and governance for scheme members
SSAS Bank Account
Dedicated scheme bank account setup and management
SSAS Application Process
End-to-end guidance through every step of establishing your SSAS
SSAS Education Resources
Practical knowledge and tools to help you understand and maximise your scheme
SSAS Consultant — Coordinates
HMRC & Compliance
Scheme registration, HMRC approval, and ongoing regulatory reporting
SSAS Administrators
Day-to-day scheme operation, record-keeping, and annual returns
SSAS Pension Trustees
Trustee structure, duties, and governance for scheme members
SSAS Bank Account
Dedicated scheme bank account setup and management
SSAS Application Process
End-to-end guidance through every step of establishing your SSAS
SSAS Education Resources
Practical knowledge and tools to help you understand and maximise your scheme
SSAS Consultant manages the full establishment process — HMRC registration, trustee structure, scheme documentation, and bank account setup.
Ongoing SSAS Use & Strategic Growth
Using your SSAS in tandem with your business — year after year
SSAS
Consultant
COORDINATES
Property Professionals
Commercial property acquisition, surveys, and valuations
Lenders & Finance
SSAS borrowing and employer loan-back arrangements
Investment Advisers
FCA-regulated investment strategy and portfolio management
Corporate Advisers
SSAS integrated with corporate and succession planning
Solicitors
Legal support for property, deeds, and trustee documentation
Accountants
Tax treatment, employer contributions, and scheme accounts
SSAS Administrators
Day-to-day scheme administration, record-keeping, and HMRC reporting
SSAS Professional Trustees
Independent professional trustee oversight and governance for your scheme
SSAS Consultant — Coordinates
Property Professionals
Commercial property acquisition, surveys, and valuations
Lenders & Finance
SSAS borrowing and employer loan-back arrangements
Investment Advisers
FCA-regulated investment strategy and portfolio management
Corporate Advisers
SSAS integrated with corporate and succession planning
Solicitors
Legal support for property, deeds, and trustee documentation
Accountants
Tax treatment, employer contributions, and scheme accounts
SSAS Administrators
Day-to-day scheme administration, record-keeping, and HMRC reporting
SSAS Professional Trustees
Independent professional trustee oversight and governance for your scheme
We work with you ongoing — coordinating every specialist needed to use your SSAS strategically alongside your business.
You won't find this level of coordinated SSAS expertise assembled in one place anywhere else. We act as your independent guide — connecting you to the right professionals at every stage.
Is this for you?
This is a premium service — not a cheap, DIY, or unsupported solution.
If you are looking for a low-cost, self-administered pension with no guidance, we are probably not the right fit for each other — and we would rather tell you that honestly than waste your time. We work exclusively with business owners who recognise the real value of SSAS and the importance of having genuine, ongoing expert support.
Our service is premium, personal, and comprehensive. We bring together all the key parts and professions of SSAS — and we deliver the art of the possible for the business owners we work with.
Could this be right for you?
Our clients tend to share these qualities:
- A UK limited company director or business owner
- Someone who genuinely values expert, ongoing support — not a DIY shortcut
- Ready to engage seriously with a premium, personal service
- Open to understanding SSAS properly before making any decisions
What SSAS can do
The Extraordinary Scope of SSAS
Launched over 50 years ago — yet so few people know about it. SSAS is one of the most powerful pension structures available to UK business owners.
Purchase Commercial Property
Your SSAS can buy commercial property — including your own business premises — providing both a pension asset and a business advantage. Rental income and capital growth accumulate free of income tax and capital gains tax.
Multi Member Pension
A SSAS can accommodate multiple members — typically directors and key employees of the sponsoring company — making it ideal for a family business or close-knit leadership team.
Lend Money Back to Your Business
A properly structured SSAS can lend up to 50% of its net asset value back to your sponsoring employer — a powerful, HMRC-approved tool for business growth.
Lend Money to Third Party Businesses
Beyond lending to your own company, a SSAS can also lend to unconnected third party businesses — opening up an additional avenue for generating returns within your pension fund.
HMRC-Approved Structure
SSAS is a fully HMRC-registered pension scheme with significant tax advantages — contributions, growth, and certain benefits all treated favourably by HMRC.
The Only Pension Designed Exclusively for UK Business Owners
Every other pension type in the UK is designed for the general public — the employee, the consumer, the individual saver. A SSAS is different. It was created specifically for business owners and their companies. It understands the way you think, the way your business works, and the way you want to build your future. No other pension in the UK can say that.
Contribute up to £500,000 per Annum
Employer contributions to a SSAS can be substantial — potentially up to £500,000 per annum, subject to HMRC rules and the annual allowance. This makes a SSAS one of the most tax-efficient ways for a business owner to build long-term wealth.
Full Investment Control
As a trustee of your own SSAS, you have direct control over investment decisions — far beyond what a standard pension allows.
Over 50 Years of History
SSAS has been available to UK business owners since the 1970s — a well-established, HMRC-recognised structure with a 50-year track record. Yet remarkably few business owners know about it.
Regulation
A SSAS is regulated by The Pensions Regulator and overseen by HMRC — giving you the security and legitimacy of a fully recognised pension structure. Yet unlike personal or consumer pension types, a SSAS affords you far greater latitude, respect, and direct control as a business owner. You are treated as the capable, informed trustee you are — not as a passive retail consumer.
Portfolio Investment
A SSAS gives you the widest choice of investment options of any UK pension. From commercial property and business loans to quoted equities, bonds, unit trusts, and unquoted shares — your pension fund can be invested in a genuinely diversified portfolio that reflects your knowledge, your network, and your ambitions.
Why Haven't You Heard of It?
SSAS is not widely promoted by mainstream financial institutions. It's a specialist vehicle — which is exactly why you need specialist guidance to get the very most from it.
Working in Tandem with Your Business
Unlike any other pension type, a SSAS is designed to work alongside your business — not in isolation from it. It can fund your premises, support your growth, and be structured to benefit your family for generations. Your pension and your business become complementary forces, each strengthening the other.
Watch & learn
Hear us explain SSAS simply — in our own words
A conversation with us is never a sales process. You are welcome to ask as many questions as you need to, take as much time as you need, and there is never any pressure or compulsion to proceed.
Our only aim is to ensure you have the information and understanding you need to make the right decision for your business and your future — on your terms, in your own time.
Connect with usGet in touch
Ready to explore what SSAS can do for your business?
There is never any pressure or compulsion. Just honest, expert conversation with time-served Independent SSAS Specialists.
Connect with us