RETIREMENT PLANNING
Small Self-Administered Schemes
In an era where financial security and strategic investment have become paramount for businesses and their stakeholders, Small Self-Administered Schemes (SSAS) provide various opportunities and flexibility. With deep-rooted expertise in giving independent financial advice,
Roxburgh Financial Services is at the forefront of navigating businesses through the intricacies of an SSAS, ensuring that our clients understand and maximise the potential of these schemes by receiving independent financial advice.
Essence of SSAS
An SSAS is a defined contribution pension scheme tailored for limited companies or partnerships in the UK. It offers unprecedented control over investment decisions, allowing members to invest in various assets, including commercial property, stocks, and bonds. This flexibility is pivotal for businesses aligning their retirement planning with broader financial and strategic objectives.
Why SSAS?
The appeal of SSAS lies in its versatility and the unique benefits it offers to businesses:
Investment control
Investment control: Unlike traditional pension schemes, an SSAS gives members direct control over their investment choices, enabling more dynamic and potentially lucrative investment strategies.
Tax efficiency
Tax efficiency: SSAS arrangements can offer significant tax advantages, including tax-free investment growth and the potential for tax-efficient borrowing and lending.
Estate planning
Estate planning: An SSAS facilitates efficient estate planning, allowing for the transfer of wealth to future generations in a tax-efficient manner
Loan-back opportunities
Loan-back opportunities: Unique to an SSAS, the loan-back feature allows the pension scheme to lend money back to the sponsoring employer, providing a valuable source of finance for business growth or development projects.
Roxburgh Financial Services, your SSAS partner
At Roxburgh Financial Services, we specialise in crafting bespoke SSAS solutions that resonate with your business’s unique needs and aspirations. Our approach is distinguished by meticulous planning, comprehensive independent advice, and ongoing support, ensuring your SSAS journey is rewarding and compliant.
Bespoke advisory
Understanding that each business has its distinct challenges and goals, our advisory process begins with an in-depth analysis of your organisation’s structure, financial landscape, and long-term objectives. This enables us to design an SSAS strategy that aligns with your immediate needs and positions you for future success.
Seamless implementation
Setting up an SSAS can be complex, involving regulatory compliance, trust establishment, and HMRC registration. Our team of experts navigates these processes on your behalf, ensuring a smooth and efficient implementation. This allows you to focus on what you do best—leading your business to new heights.
Ongoing support and compliance
The dynamic nature of financial markets and regulatory environments necessitates continuous oversight and management of your SSAS. Roxburgh Financial Services provides ongoing support, from investment monitoring to regulatory compliance, ensuring that your scheme remains robust and responsive to changing conditions.
Empowering your business
Beyond the tangible benefits, SSAS empowers businesses by integrating retirement planning with broader financial strategies. Whether investing in your premises, leveraging tax efficiencies, or securing financing through loan-backs, an SSAS opens possibilities to catalyse growth and stability.
In a landscape marked by uncertainty and complexity, the strategic importance of retirement planning cannot be overstated. An SSAS offers a compelling solution, providing flexibility, control, and many benefits that can significantly impact your business’s financial health and legacy.
Looking for flexibility, control, and other benefits that can significantly impact your business's financial health and legacy?
Roxburgh Financial Services will guide you through the SSAS landscape, combining our independent expert knowledge with a commitment to your success. Together, we can unlock the full potential of an SSAS, paving the way for a secure, prosperous future.
Embrace the opportunities that an SSAS offers with Roxburgh Financial Services – your trusted partner in financial excellence and innovation.