We are a multi-award winning provider of self invested pensions (SIPP and SSAS), based in Carlisle with customers throughout the UK. Our company is in private and employee ownership; we have grown organically at a rate that allows us to maintain a high quality and personal service. Most of our customers come to us via a financial adviser. You can find information about financial advisers using a service like www.unbiased.co.uk Note that we do not provide financial advice.
On Tuesday 12th May 2020, the Upper Tier Tribunal (Tax and Chancery) published its long-awaited decision in the case of HMRC v SIPP Choice Ltd, which relates to claims for tax relief on ‘in-specie’ contributions. This has potential implications for Read more
May 15, 2020HMRC has released its latest newsletter aimed at pension scheme professionals; topics covered are: Temporary changes to pension processes as a result of coronavirus (COVID-19) Pension flexibility statistics Registration statistics Annual allowance calculator Managing pension schemes service – timeline update Read more
April 30, 2020
Following two recent reductions in Bank of England base rates, Metro Bank plc have advised that there will be a reduction in interest rates for Minerva SIPP and SIPP Lite deposits. The new rate will be 0.0% AER (Annual Equivalent Read more
April 6, 2020The Minerva SIPP can invest in a wider range of assets including Commercial Property and Land, on an individual or group basis. Any combination of permitted investments may be made within a Minerva SIPP including deposit accounts, DFM, open market Platform/Wrap accounts, Stockbroker accounts and Trustee Investment Plans, all held together within the same SIPP.
SIPP Lite is a lower cost option, for those that do not require multiple investment accounts, or access to Commercial Property and Land at outset. SIPP Lite members are restricted to a maximum of one investment account, to run alongside the default SIPP bank account. This investment account could be another bank account or ONE of the following: Stockbroker account, DFM, open market Platform/Wrap account or a Trustee Investment Plan. For individuals that require additional investments at a later date, including Commercial Property and Land, they can upgrade their SIPP Lite plan to a Minerva SIPP.
A Small Self-Administered Scheme (SSAS) is a type of UK Registered Pension Scheme. Each SSAS is governed by its own Trust Deed and Rules and is a separate legal entity to the Sponsoring Employer. The Sponsoring Employer establishes the SSAS and invites members to join. Any individual employed by the Sponsoring Employer (or a participating employer) may join the Scheme and all members are appointed as Trustees alongside the Professional Trustee. SSAS trustees have a very wide range of investment options, including the ability to make secured loans to the Sponsoring Employer of up to 50% of the net asset value of the scheme, subject to certain conditions.
01228 538 988
Email Caleb
01228 538 988
07557 996 765
Email Carl
01228 538 988
Email Cheryl
01228 538 988
Email Diane
01228 538 988
Email Emma
01228 538 988
Email George
01228 538 988
Email Greg
01228 538 988
Email Jane
01228538988
Email Jules
01228 538 988
Email Kelsey
01228 538 988
Email Laura
01228 538 988
Email Ross
01228 538 988
Email Trudi
01228 538 988
Email Gordon
01228 538 988
Email Kim
We have been operating in these markets for over 20 years. The SSAS business was formed in 1997, and in 2003 we launched our flagship product, the Minerva SIPP. The range is completed by SIPP Lite, which has been available since July 2012.
Read More
