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A Small Self Administered Scheme (SSAS) is an employer sponsored occupational pension scheme, which is established by the employer under trust for at least one of its employees.

Personal About Pensions

To date we have established over 1,300 SSASs, which remain unregulated schemes being one of the first companies to offer Small Self-Administered Schemes (SSASs). EBS's oldest SSAS, which is still in existence, was established in 1976.


The first SSASs were established in the mid-1970s to enable controlling directors of companies to manage their own pension funds. Due to the complexity of the arrangements, the membership of such schemes was, and still is, normally limited to company directors and members of their families who are employed by an employer that participates in the scheme.

A SSAS will usually have fewer than twelve members, all of whom are normally appointed as trustees. It can invest in a wide range of assets including unquoted shares, authorised loans to the employer and the purchase of commercial property, which is then leased back to the employer.

Before any contributions are paid or transfer values are received from other pension schemes the SSAS must be registered with HMRC via its pensions online service. SSASs are not regulated by the Financial Conduct Authority.




The tax treatment of pensions depends on individual circumstances and may be subject to change in future. It is always recommended that you seek advice from a suitably qualified investment professional, if you have any doubt as to the suitability of a pension and/or the underlying investments. You should be aware that Stakeholder Pension Schemes are generally available and might meet your needs as well as a SASS. Please remember the value of investments may fall as well as rise and your capital is at risk.


Following receipt of a completed SSAS Application, EBS will provide the client with initial documentation to establish the scheme. EBS will register the scheme with HMRC and assist the Trustees with all relevant reporting requirements.

On an on-going basis EBS offers guidance on:

  • The operation of a SSAS
  • HMRC rules
  • Property purchase
  • Benefit calculations
  • Reporting and compliance checks as per our SSAS fees and services sheet


  • 1

    Knowledgeable staff, many with twenty years plus SSAS experience, plus strong technical support

  • 2

    No third party trustee required

  • 3

    Wide investment and benefit flexibility - tax-free lump sum, capped and flexible drawdown pension

  • 4

    Each member’s share of the SSAS assets tracked

Download our SSAS Handbook

Further details about EBS SSASs

Download the SSAS Handbook

020 7149 6437


For more details about our SSAS Services:

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Your local office can advise you on SIPP or SSAS Services:

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If an EBS SSAS is not right for you, explore our range of other investment services:

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