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Wealth & Retirement

SIPP & SSAS

Greater control and flexibility over how your pension is invested.

Advice on self-invested personal pensions and small self-administered schemes, for people who want more control over their retirement savings.

Independent Whole of Market Chartered
SIPP & SSAS

SIPP and SSAS Advice

A self-invested personal pension, known as a SIPP, and a small self-administered scheme, known as a SSAS, both offer more control and a wider choice of investments than a standard pension. That flexibility can be valuable, but it also carries greater responsibility and is not right for everyone.

We help you understand whether a SIPP or SSAS suits your circumstances, and if it does, how to use it well. Our advice is independent and Chartered, so it is built around you rather than any single provider.

Which Might Suit You

  • A SIPP can suit individuals who want a wider investment choice and more control.
  • A SSAS can suit company directors planning for retirement through the business.
  • Both can play a role in wider retirement and estate planning.
  • Neither is suitable for everyone, which is why advice matters.

How We Help

We review your existing pensions and your goals, explain how a SIPP or SSAS would work for you and set out the costs and responsibilities involved. If it is the right fit, we help you put it in place and keep it under review. Your first conversation is free and without obligation.

The value of investments can fall as well as rise and you may get back less than you invest. A SIPP or SSAS is a long-term investment and is not suitable for everyone. Tax treatment depends on your individual circumstances and may change in the future.
Why Affinity

Why Choose Affinity

Independent and Chartered

Impartial advice on whether a SIPP or SSAS genuinely suits you.

Control With Guidance

More flexibility over your pension, with expert support behind you.

Business Owner Focus

We advise directors on using a SSAS as part of their retirement planning.

Ongoing Reviews

We keep your arrangement under review as your circumstances change.

Good to Know

SIPP and SSAS Questions

What is the difference between a SIPP and a SSAS?+
A SIPP is a personal pension with a wide investment choice. A SSAS is a scheme usually set up by a company for its directors, with features suited to business owners. We will explain which fits your situation.
Is a SIPP right for me?+
It can be if you want more control and a broader choice of investments, but it involves more responsibility and cost. We will only recommend one if it genuinely suits you.
Can I move my existing pension into a SIPP?+
Often, yes, though it is not always beneficial. We review your existing pensions, including any guarantees, before advising.
What can a SSAS invest in?+
A SSAS has a broad investment scope, which can include commercial property connected to the business. We will explain the rules and whether it suits your plans.
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