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2027 Inheritance Tax Changes
From time to time we update our Terms of Business for Intermediaries.
Note there is no need for advisers to sign the new document, if they have already accepted a previous version of our Terms of Business for Intermediaries.
You can download a copy of the updated document here: https://www.investaccpensions.co.uk/wp-content/uploads/2025/09/Financial-Adviser-Terms-of-Business-29-08-2025.pdf
The following is a summary of the changes:
– The definition of ‘InvestAcc’ has been updated, to prepare for potential future acquisitions of other businesses.
– The definition of ‘SIPP’ and ‘SSAS’ have been updated to include potential future products and services, which may be introduced or acquired.
– Clause 3.7 alters the time an intermediary has from 2 working days to without unreasonable delay.
– Clause 5.7 alters the timescale for payment of adviser fees to ‘where possible, within the timescales published on our website’.
– Clause 10.2 now refers to the latest data protection laws.
– Clause 13 has updated contact details for complaints.
– Clause 14 has been updated to a mutual basis for both parties.
– Clause 18.2 has been updated to reflect that an intermediary’s obligation over its employees will likely to be dealt with elsewhere, such as a contract of employment, rather than express binding undertakings. This change does not reduce the intermediary’s obligation to ensure proper treatment of confidential information.
– Clause 18.3 provides more time for an intermediary to comply.
– Clause 23.2 has updated contact details for InvestAcc.
If you have any questions or concerns then please get in touch.
August 29th, 2025
The 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.
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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