The Heritage SSAS is the optimum pension wrapper, providing you with the power and freedom to develop your pension fund efficiently and responsibly.

Why choose the Heritage SSAS

  • Flexible, personal and professional administration service.
  • Simple and transparent fee structure.
  • First-rate processes and procedures consistent with regulatory and industry best practice.
  • Investment in service, products and technology to deliver competitive advantage.
  • Specialist technical support for property administration.
  • Allows freedom and control to invest in an extensive range of investments.
  • Professional indemnity insurance for up to £2million per claim.
Heritage Trustees Limited is the corporate trustee for the SSAS. Its sole purpose is to hold and safeguard the assets of the SSAS.

Permitted investments

The Heritage SSAS allows “standard” investments as defined by the FCA. For a list of these please see INVESTMENTS. We may allow certain “non-standard” investments. We consider the following when reviewing an investment:

  • FCA and other regulatory requirements.
  • HMRC rules – we do not allow investments that could result in unauthorised payments tax charge.
  • Security – whether full legal title can be obtained and whether regular independent valuations are available.
  • Liquidity – how quickly and easily an investment can be bought and sold. This typically requires an established secondary market and the ability to be fully liquidated within a period of 30 days.

Our administrative role

  • Verification of application forms, including anti money laundering checks.
  • Set up of pension trust.
  • Set up of trustee bank account.
  • Appointment of Heritage Pensions as scheme administrator or scheme practitioner and Heritage Trustees as corporate trustee.
  • Regulatory reporting.
  • Annual valuation.
  • Executing allowable investment instructions.
  • Forwarding essential correspondence.
  • Banking transactions including banking cheques for contributions, dealing with bacs/chaps transfers.
  • Liaison with third party providers of assets/services.
  • Ad hoc valuations.
  • Revisions to legal documentation as required due to any changes in legislation.
We are not authorised to provide financial or investment advice. We will not comment on whether an investment is suitable for a client. We recommend that specific investment advice is sought from an appropriately qualified and authorised independent financial adviser.