SIPP & SSAS Hub

We provide all the documentation required to set up new schemes, from trust deeds and rules to client-facing documentation, including terms and conditions. We carry out legal ‘health checks’ of existing scheme documentation for compliance with legal and regulatory requirements and prepare updates to ensure ongoing compliance.

We advise on technical queries that arise in the day-to-day administration of schemes, including trustee duties, pensions law and regulatory matters. We offer a retainer service in which we work alongside a client’s in-house technical team and are on hand to support as required, drawing on our full range of legal expertise.

We have good knowledge and understanding of all three SIPP and SSAS regulators: HMRC, The Pensions Regulator and the FCA. We support clients with regulatory developments, ongoing compliance and engagement with the regulators.

We provide a full service in relation to pensions tax matters, from technical advice on risks associated with investments, including taxable property issues and unauthorised payments, to supporting clients with disputes in the tax tribunals. We have expertise in advising SIPP operators on appeals of decisions by HMRC to refuse relief at source.

We advise clients on buying and selling SIPP and SSAS books. We work with clients on the key transactional issues to ensure they are properly protected. We have expertise in due diligence reviews of SIPP and SSAS books to identify any liabilities or risks that may lie hidden. Our AI and technology solutions enhance our service delivery and drive efficiencies.

We have a deep understanding of the key commercial property issues for SIPPs and SSASs, including regulatory restrictions on the properties they can invest in, the types of funding available and transactions with connected parties. We lead clients through every step of property transactions, using our knowledge to ensure their objectives are met.

We work with clients to resolve complaints and disputes at an early stage where appropriate, minimising cost and management time. We understand the commercial needs of our clients and the nuances of the SIPP and SSAS market, and adapt our strategic advice on complaints to find the best fit. Our team has market leading experience involving allegations of misselling pensions and investments.

We support with legacy FURBS schemes, including updates to scheme documentation, to enable clients to continue to operate these schemes effectively within the current tax regime. We have specialist expertise in the tax treatment of benefits payable from legacy FURBS schemes, including transitional protections, and EFRBS.