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Is a SSAS Too Risky for Family Business Owners?

What Readers Need to KnowA SSAS is a flexible UK occupational pension but carriesTrusteeresponsibilities that personal pensions do not.Unauthorised payment charges of 40% plus surcharges and scheme sanction charges can apply to breaches.Connected-party transactions need independent valuations and arm's-length terms.Loanbacks and commercial property are …

Ankur Sharma | 01 June 2026

Can Multiple Family Members Pool Pensions to Buy Business Premises?

For UK business owners considering whether to hold their commercial premises in a pension, the two mainOptionsare a full SIPP or a SSAS. Both can buy and hold UK commercial property within the same HMRC framework. The differences come down to how many members …

Ankur Sharma | 01 June 2026

Why Are UK Business Owners Choosing SSAS Pensions?

What Readers Need to KnowA SSAS is an occupational pension scheme typically established by aLimited Companyfor company directors, key employees and sometimes family members.A SSAS can have a maximum of 11 members, who are usually also trustees of the scheme.SSAS schemes are registered with …

Ankur Sharma | 01 June 2026

How Does a Family SSAS Support Intergenerational Wealth Planning?

What Readers Need to KnowA SSAS can include directors, key employees and family members who are also employees, subject to the 11-member limit.PooledInvestmentmakes property purchase and other large investments easier than in single-member SIPPs.All members are usually trustees and share legal responsibility for the …

Ankur Sharma | 01 June 2026

Which Pension Type Is Best for Long-Term Retirement Planning?

What Readers Need to KnowBoth SIPPs and personal pensions are UK-registered personal pensions regulated by the FCA.The differences come down toInvestmentchoice, charges and service rather than headline tax rules.SIPPs typically offer a much wider investment menu than a standard personal pension.Stakeholder pensions are a …

Nitish Kishor | 01 June 2026

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