As great as this may all sound, you will also then have the additional responsibility to do your own due diligence and make sensible investment choices- this is your retirement fund after all. The big difference however, between SIPPs and regular investments is that your SIPP investments are protected from the taxman, just like with regular pensions and can also be accessed from the age of 55.

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Your partners in planning and success

Taking the route of Self-Invested Personal Pension, allows you a great deal of freedom, to set your own pension goals and go about achieving them without having to go through an intermediary. This means that you at all times will be able to decide on and know, exactly where each and every hard earned penny is. Usually, many of the terms of investing in a pension funds through a specific company, will limit your investment options to a pre-decided list, as will be determined by an investment or fund manager. 

Advice For Self Invested Pension Plans

Basic SIPP : With a Basic SIPP, you will have to make all decisions regarding your investments you would like to make. This type of SIPP works perfectly if you are looking for a lower cost option and would like to start small. Various general portfolio investment options are available to help guide you through deciding where and when to invest.

Premium SIPP : A Premium or Full SIPP option is for those of you who would like more comprehensive assistance in deciding how to invest and the option of being able to consult with experts when making decisions about your investment. The fee structure is a tad higher for this kind of SIPP but will then also have the peace of mind, knowing that expert advice is always at hand.

There are a wide variety of avenues which you can consider when choosing what do invest in, including:

  • Open-Ended Investment Companies (OEICs)
  • Share Markets
  • Investment Trusts
  • Commercial Property

These along with several other great investment opportunities are possible with SIPP investments. There are however certain limits to the amount that can be invested for earners and non-earners and the options are available to start from scratch or transfer money in from an existing pension account- the choice is all yours.


We care for our clients. Building and maintaining fantastic relationships is what we do best, we will never treat you as a number which is what makes our approach so unique. The highest level of customer service combined with a keenness to listen and work together with our clients means that we leave a stream of happy clients in our wake every single day. Our services come with unlimited help and support provided at no extra cost throughout the year.That help and advice will all come courtesy of your own fully qualified and dedicated small business accountant.

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Starting a company is to embark on a long road to success. Talk to our accountants and see if we can suggest you a plan.

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You can register your self as self employed but is it the right decision. Call us to check if we can suggesnt you more tax efficient structure.

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Let us talk about the objectives and outcomes of partnership. There are some tax efficient structures you may want to know about.

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Buinsess plan is not just about some figures. Let our experienced accountants walk you through your bsuiness plan for next 10 years.

Frequently Asked Questions

Most frequent questions and answers

No we do not charge any fee for initial consultation. We will try to give you free guidance if its something you can do easily by yourself. We will only charge you if you appoint us to do some work for you. 

We are giving free advice on general questions and this is one way of paying back to our local community who cannot get through to tax man. But if your question is of specific nature, we will tell you about our fee.

You can certainly ask question about accounting but you should know that we cannot teach you accounting over the phone or online. If you are not familiar with book keeping or accounting, its best to hire an accountant?

If you are only after advice, we will make a decision after hearing question. It may take further investigation and we may have to look into your personal circumstances to answer your question.

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Maintaining your NIC contributions Covid-19

If a person already has 35 qualifying years or is likely to do so by the time that they reach state pension age, missing a year will not adversely affect their state pension entitlement. However, if they have less than 35 years (and will be able to reach the minimum 10 years needed for a reduced state pension by the time that they reach state pension age) making voluntary contributions can be worthwhile.


Selling the Buy to Let property at a loss

While any gain on the sale of a property that has been the taxpayer’s main residence throughout the period of ownership is covered by private residence relief, the flip side is that if the main residence is sold at a loss, the loss is not an allowable loss for capital gains tax purposes.