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A SSAS pension puts you in full control of your money

A SSAS pension is a tax-free trust fund to help business and property owners create more wealth and control for themselves, their family and their business.

Funding for your business or property portfolio

Zero tax of any kind on profits, gains or income

You decide what, when and how to invest

What is a SSAS?

The SSAS, also known as the Business Owner’s or Director’s Pension, isn’t your normal type of pension. SSAS stands for Small Self-Administered Scheme. Based on a Trust Deed, each SSAS needs to be approved by HMRC.

Exclusive to business owners, it’s an occupational pension which means there must be a company to ‘sponsor’ the scheme from the outset, most likely a company that you are a director of and possibly a shareholder. Because your pension is linked to your business and not someone else’s, you retain the control. You decide what, when and how to invest and build your wealth.

Kevin Whelan from WealthBuilders

SSAS for Property Investors

  • Borrow up to 50% of your SSAS for use in your property business
  • Buy and develop property and land
  • Buy commercial property and convert
  • Use crowdfunding to diversify your property investments
  • Lend money to other property professionals
Kevin Whelan from WealthBuilders

SSAS for Business Owners

  • Protect hard earned profits from corporation tax
  • Make contributions up to £500k with huge tax savings
  • Buy your business premises and pay rent to your pension
  • Lend money to your company at only 1% over base rate p/a
  • Invest in your own company or other unlisted shares
Kevin Whelan from WealthBuilders

SSAS for a Family Legacy

  • A family trust fund free of inheritance tax
  • Involve your spouse and children as trustees
  • Create independent wealth and security for your family
  • Protected against bankruptcy and other legal claims
  • Ring fenced from the business for added security

How does a SSAS work?

The SSAS pension is a tax-exempt investment trust fund that can receive income  and capital without income, capital gains or corporation tax charges.

You can have up to 11 members, including yourself. Each member will be a trustee, and decision-making will be unanimous; however, each member’s investment levels may differ.

You will also have the opportunity to consolidate any other dormant, frozen or current pensions, which can then be invested in your company, property or other asset classes. Family members may also pool their dormant or current pensions if desired to increase the potential of the SSAS. You will need to set up and gain approval for your SSAS with HMRC. This process requires an investment of time and money, BUT the long-term benefits far outweigh the initial costs. Once approved, you can begin to use the SSAS to invest and generate wealth.

Depending on your preferences and goals, you can take advantage of a wide range of investment opportunities. The main thing is that you are in control of generating your own wealth.


WealthBuilders do not give regulated financial advice.
We always recommend you take independent tax, legal or financial advice before making decisions about your money.

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See more of what our amazing community members have to say.
  • Wealthbuilders were excellent at helping me to set up my SSAS. They trained me in the complexities of the rules and regulations involved and helped me to develop a strategy to suit my company and my own needs. A pension is such an important subject in anyone's life which requires a great deal of trust in a company like WealthBuilders. Luckily they have been extremely helpful and trustworthy!
    Peter Hirsch
  • Kevin, Paul and the team helped us navigate the process of transferring our existing SSAS from another administrator. They helped to make the transfer as seamless as possible. Communication and support was great throughout. We've now been with the team for over a year. The documentation, support and overall service are streets ahead of the previous administrator. First class!
    Vicky Pringle
  • WealthBuilders helped me transfer my SIPP into a SSAS providing excellent advice along the way! I have liaised closely with Paul Brooks throughout this journey and highly recommend other people to do the same. As far as I am concerned WealthBuilders is the best organisation in the UK to work with in this area - you will never meet a team that is more experienced and more passionate about your pension!
    David England
  • WealthBuilders helped me transfer my SIPP into I knew I wanted a SSAS pension but I wasn't sure where to start. WealthBuilders guided me through the whole process and the online training modules were superb. Any questions I had were answered quickly and explained fully. The 1-2-1 sessions are really valuable and help me to make the best use of my SSAS. I highly recommend the whole team at WealthBuilders.
    Liz Strama

Why doesn’t every business owner have a SSAS?

That’s a good question. It’s the best-kept secret in pensions, but we are keen to share these exciting opportunities with business owners ready to start the journey to financial independence.

The most common reasons for business owners not establishing a SSAS:

  • They don’t know what a SSAS is or even that they exist.
  • The language is complex and can be difficult to understand without guidance.
  • It sounds complicated, involving tax, HMRC, plus you have responsibility for the investments and outcomes.
  • Business owners are too busy working in their business and don’t have time to navigate the world of pensions.

Can anyone have a SSAS pension?

The main requirement of establishing a SSAS is that you are the owner of a Limited Company in the UK. There must be a company to ‘sponsor’ the scheme at the start to register directly with HMRC. You can be both a member and trustee of the SSAS, and you can invite up to 11 members to join the scheme.

Why choose WealthBuilders?

Unlike many financial specialists, we don’t want to take control of your money. In fact, quite the contrary. We want to show you how to do it for yourself.

We’re here to empower you, helping you gain the knowledge and confidence to make the right decisions at the right time.

We've helped thousands of people to unlock the power of their pensions using SSAS. Schedule a call with us below to find out if we can help you too.