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.
Our offices will be open as follows over the holiday period: Date Opening Hours Tuesday 24th December 9 am to 1 pm Wednesday 25th December closed Thursday 26th December closed Friday 27th December closed Monday 30th December 9 am to Read more
December 2, 2019
HMRC has released its latest newsletter aimed at pension scheme professionals; topics covered are: Lifetime allowance and the 2019 to 2020 event report Managing Pension Schemes service – giving access to Government Gateway administrators and assistants Managing Pension Schemes service Read more
November 26, 2019
Last night at a glittering ceremony at the National History Museum in London, we were delighted to be awarded 5 stars for service for the third year running. The awards are the most widely recognised in the adviser sector, making Read more
November 22, 2019The 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
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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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