Oval Self Managed PensionsSpecialist SSAS schemes for entrepreneurial businesses

Specialist schemes demand specialist skills - so make sure you have a trusted partner able to build the personalised pension that’s right for you and your business

Bespoke pension solutions built around you and your business

The backbone of UK plc is the small and medium-sized enterprise. Owner-managed, family or entrepreneurially driven businesses like yours seek specialist pension plans that not only take care of directors’ retirement needs – but that also come with commercial finance options built-in.

That’s why it’s imperative you make the right moves to deliver pension performance and control that hits the financial sweet spot for you and your business. That’s why choosing the right partner - with the right skills and the right experience - is crucial to delivering long term stability and support that a well-configured self managed pension scheme can provide.

Part of the Oval group, we are specialists in the Small Self Administered Pension Scheme (SSAS). With working capital harder to obtain from banks, the SSAS is a high-end, multi-purpose financial tool for schemes with less than 12 members that puts you in total control. We have over 450 successful SSAS implementations to our name, giving us the practical, technical, intellectual and ethical track record that makes us the scheme partner of choice for SMEs nationwide.

What makes us different? We call it Communication, Education & Advice. Clear communication that simplifies complexity and engages at every level, backed by astute education and perceptive advice that gives you informed control over your SSAS and the wealth opportunities it creates.

Oval Self Managed Pensions is in the vanguard of the industry. We are respected, lead-participants across a wide range of industry stakeholder groups - engaging proactively with regulators, industry forums, peers and fund managers to help drive best practice and innovation.

Above all, we invest in our people. We have drawn together experienced, high calibre professionals who blend the consulting, planning, administration, investment and listening skills essential to delivering the exceptional levels of service, insight and pitch-perfect performance you demand.

Welcome to Oval Self Managed Pensions

A service that’s as flexible as you need – and as responsive

as you demand

Operating a SSAS – the Oval wayOur difference is that we concentrate on quality, service and effectiveness that put your needs first and last, backed by a common sense perspective and total transparency on fees. Many of our team members are drawn from in-house positions at some of the most respected financial organisations in the country and we set great store by professional qualification.

We administer our client schemes using SSASPro - the market leading SSAS technology solution - alongside Adviser Office. This approach means we can operate paper-free and enhance the speed and agility of service we offer you.

Scheme Administrator and Professional TrusteeIn most circumstances our SSAS clients prefer us to act as Scheme Administrator and Professional Trustee because they require a ‘turnkey’ service that features the highest levels of end-to-end scheme support.

Scheme Practitioner OnlyWhere clients prefer to take on the role of HMRC-registered Scheme Administrator and do not require a Professional Trustee, we simply handle administration, record keeping and technical advice.

Service that’s as flexible as you need – and as responsive as you demand

Whichever option you feel is right for your business, we’ll appoint an Oval administrator who is directly accountable for the service provided. Unlike many other SSAS providers, we don’t manage by call centre – this ensures you’ll enjoy a superior, personal service that’s consistent, familiar and tuned expertly to your needs.

You can also take advantage of our scheme investment advice – either a discretionary management service from Oval’s panel of carefully selected investment partners or the purchase of retail investments through the Oval Fund Platform.

However, we want to put you in control of your SSAS - so you can use this service exclusively or as part of a wider investment strategy for optimum flexibility.

Would you like to talk?

If you have any questions or would like to explore the SSAS/SIPP self managed pension options for your business, we’re here to help. You can reach us on 0115 937 6100. Alternatively, drop an email to Matthew Shaw, Head of Self Managed Pensions - matthew.shaw@theovalgroup.com.

Exceptional SSAS expertise delivering high performance outcomesThe key to effective wealth management lies in the professional relationship and mutual understanding we establish between us: that’s why we set such store by the listening skills of our people.

Why select a SSAS?A SSAS is the owner/director pension of choice in many situations, typically for one or more of the following reasons:

• Where pooling multiple existing schemes and investments will reduce costs per member and levels of risk

• Where your business is seeking alternative sources for a working capital and/or investment injection

• Where your members wish to maximise control over pension scheme investments

• Where your business seeks to change the Trustee or administrator whilst avoiding transfer costs

• Where your business wishes to invest in new commercial property or a ‘sale and leaseback’ arrangement.

Tax efficient and offering a unique loan-back facility that enables the host business to take a commercial loan of up to 50% of the pension pot value, the SSAS is thriving as director/owners seek innovative ways of making the pension scheme work harder for their business. And because a SSAS can convert multiple existing schemes into a single scheme, it means you can pool the pension value and investments of all the directors while mitigating risk.

What about a SIPP?More automated but arguably less flexible because it lacks a commercial loan-back feature is the Self Invested Personal Pension – SIPP. That’s the beauty of our bespoke solutions - it all depends on what suits you best. We’re as comfortable and capable implementing SIPP as we are SSAS.

Oval Financial Services Limited,Registered Office: 9 South Parade,Wakefield, WF1 1LR.

Registered in England No: 02192234. Authorised and regulated by theFinancial Services Authority

About usOval Financial Services is part of The Oval group, a leading UK financial planning, risk, insurance broking and healthcare advisory company.

With offices across the country, Oval Financial Services is the specialist financial planning partner of choice for thousands of UK businesses and individuals across a range of disciplines and industry sectors.

Our strength lies in designing bespoke, dynamic and innovative financial planning solutions that fit your needs exactly. Our skilled specialists take the time to understand those needs, simplifying financial complexity to deliver a consistently innovative, high standard and high performance service that adds value, capability, agility, security and competitive edge to your business and the people it employs.

For more information, visit us at www.theovalgroup.com.