Self invested personal pension plans, or SIPPs, allow you to create a totally bespoke pension plan for your savings. A SIPP provides you with the widest choice of investment opportunities and unlike a traditional personal pension plan you are not restricted to the investment funds of the company providing the pension.

Simple fixed fee structure Choice of 4 unfettered SIPPs Qualified pension specialists

Our self invested pension service
If you have pension funds in excess of £50,000 and are looking for an unfettered investment solution you will benefit from our SIPP service. We offer a choice of four SIPP solutions. These include a fully advised collective investment based SIPP, a discretionary managed SIPP, a self managed SIPP, and a commercial property or mixed investment SIPP. All of our SIPP solutions use independent trustees, Bank of Scotland deposit accounts and are not insurance company based schemes. Request your quote and information pack now.

Fully advised SIPP
We set up, manage, and provide you with full investment advice from an unfettered range of over 1700 authorised unit trusts and OEICS. No direct shares or commercial property can be included in this option. Ongoing advice and administration is available via our annual fee structure or on a pay as you need basis. Recommended for funds between £50,000 and £200,000.

Discretionary managed SIPP
We will set up your SIPP and then appoint your own private fund manager to manage your pension on a discretionary basis. Your fund manager will purchase direct stocks and shares, institutionally priced unit trusts, warrants, gilts and hedge funds to manage the fund to your personal investment principles and objectives. You fund manager will meet with you annually and provide unlimited telephone contact. Ongoing advice and administration is available via our annual fee structure or on a pay as you need basis. Recommended for funds in excess of £200,000.

Commercial property / mixed SIPP
A comprehensive SIPP allowing commercial property, collective investments and individual stocks and shares. This self invested pension can also be combined with our fully advised service, a discretionary managed service, or an execution only service. This SIPP provides total unfettered investment opportunities within Inland Revenue rules. Ongoing advice and administration is available via our annual fee structure or on a pay as you need basis. Recommended for funds in excess of £250,000 where commercial property will be included.

Self managed SIPP
A simple low price self invested pension. We set up an online dealing account with a stockbroker, handle the initial cash transfers but then you make all of your own investment decisions using an execution only trading account to purchase stocks and shares and collective investments. This SIPP cannot include commercial property. No ongoing advice is provided, but is available on a pay as you go basis if and when required. Suitable for any size of fund provided you do not require investment advice.

Set fees structure
Regardless of the level you intend to save we will charge you a one off set up fee and offer you a choice of two fee based models for ongoing advice and administration – either our set annual fee or a pay as you need basis. Importantly all fees are transparent, you only pay for the service and advice you require and our fees are not linked to the value of your pension savings.

Income drawdown
All of our SIPP solutions can be used in conjunction with income drawdown as and when you need to draw an income from your pension savings.

Attitude to risk
It is important you understand the level of risk associated with any investment. If you require clarification on how to quantify risk please visit myadvisor and use the attitude to risk and model portfolio tools available.

Pension fund performance
An explanation of the different pension funds and the risk associated with each fund and asset class, together with online past performance data and detailed fund fact sheets for all qualifying UK pension funds can be obtained from our fund performance pages. You can also download our ethical investment questionnaire and provide us with your negative and positive criteria if you are considering investing in an ethical fund.

Alternative options
Personal pension plans provide a simple low cost option and we offer a choice of schemes from £100.00 per month all with a flat 1% annual management charge.

Stakeholder pensions are a government based savings model available from £20.00 per month with annual management charges of 1.5% for ten years falling to 1% thereafter. Please note we do not provide advice on individual stakeholder pension plans.

If you have existing personal pension plans you can use our comparison of charges service.

To request a quote
Complete our online self invested pension plan enquiry form or call one of our specialist pension advisers to request your free SIPP quote. As an internet based firm of independent financial advisers we provide advice over the telephone, via email and through the post. Dealing with you in this way allows us to discount our costs to provide you with the very best self invested personal pension terms.

Help & advice
There are many different options to consider when choosing a self invested pension plan and it makes sense to take advice from a qualified pension specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options available to you and to request a self invested personal pension quote.