We are a multi-award winning provider of self invested pensions (SIPP and SSAS), based in Carlisle with customers throughout the UK. 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 their 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.
From time to time, we review our Terms and Conditions for SIPP customers. We are writing to customers to provide 30 days’ notice of changes which apply from 4th August 2025. The changes include enhancements to our products, simplifying our Read more
June 27, 2025
We offer two SIPP products, to provide for the needs of different customers. Customers can move from one to the other (see notes below) without needing to transfer or sell their investments. The following comparison looks at some of the Read more
June 18, 2025
As a firm which offers both SIPP and SSAS, we are often asked which is best. In this article we compare these products, which although very similar, have some significant differences. Why do we have two similar but different products? Read more
May 30, 2025The 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.
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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.
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