Self-Invested Personal Pensions (SIPP) with Intrusted
A Self-Invested Personal Pension (SIPP) is a personal pension that gives you control over how your retirement savings are invested, with access to a wide range of investments and the same core tax advantages as other registered pension schemes. At Intrusted, the SIPP is designed for clients who want flexibility and transparency, with support from an experienced administration and trustee team.
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Why choose our SIPP - The Robert Graham Personal Pension?
A SIPP built around people, not processes.
The Intrusted SIPP combines the flexibility and investment freedom clients expect with the personal service, technical expertise and responsiveness advisers value. Designed for straightforward cases and more complex pension planning needs, our proposition delivers a bespoke experience supported by experienced pension professionals who understand the importance of getting things right.
Whether transferring existing pensions, investing through a wide range of permitted assets, or planning for retirement, clients benefit from a transparent, efficient, and relationship-driven service every step of the way.
Why choose our SIPP instead
At Intrusted, we believe a SIPP should be more than an administration platform. It should be a trusted partnership that helps advisers and clients achieve better retirement outcomes with confidence.
Who a SIPP is for
A SIPP with Intrusted is typically suitable for:
- Individuals who want to choose and manage their own investments, or work closely with an adviser to do so
- Business owners and professionals who may not need the full corporate features of a SSAS but still want access to commercial property and broader investment choice
- Clients consolidating multiple pensions into a single, flexible wrapper with clear administration and charging structures
- Clients that are no longer core to their current SIPP provider but require a specialist SIPP partner
- Registration on the Trustee’s Data Protection Register
Unlike a SSAS, a SIPP is not an occupational scheme set up by an employer; it is a personal pension product established and operated by the SIPP provider.
Property transactions that have a tight time frame as a SIPP can be set up almost immediately.
Key features of the Intrusted SIPP
We do all the hard work so you can benefit from the rewards of your success.
How a SIPP differs from a SSAS
Our expert team will guide clients and their advisers through the process, ensuring compliance with regulatory requirements and perfectly aligned with financial goals. With our tailored hands-on support, we make managing your SIPP straightforward and hassle-free.
| Aspect | SIPP (Intrusted) | SSAS (Intrusted) |
|---|---|---|
| Scheme type | Personal pension product under a master trust. | Occupational pension scheme set up by an employer. Individual trust. |
| Who it’s for | Individuals wanting investment control and flexibility. | Company directors/owners wanting to use pension alongside business strategy. |
| Sponsoring employer | Not required. | Required; employer establishes the scheme. |
| Loans to sponsoring co. | Not permitted; loans only to unconnected parties. | Can lend up to 50% of net scheme assets to sponsoring employer, subject to strict rules. |
| Employer shareholding | Can invest up to 100% in sponsoring employer shares, subject to investment rules. | Employer-related shareholding normally capped at 5%. |
| Regulating body | FCA and The Pensions Regulator. | The Pensions Regulator. |
| Trustees | SIPP provider is the trustee. | Members are usually trustees alongside a corporate trustee. |
| Investment pool | Each SIPP is an individual pot. | SSAS assets are held in one scheme and allocated between members. |
| Set up | Typically 1-3 days. | Can vary from 8 to 12 weeks, as each scheme is approved individually by HMRC. |
| Typical use | Personal retirement planning, property purchase, consolidation, broad investment access. | Business planning, property purchase, consolidation, broad investment access, and employer loan backs. |
Typical SIPP investments
Subject to the scheme rules, HMRC legislation and our corporate Trustee due diligence, your SIPP may invest in:
- Regulated collective investment funds
- UK listed shares and investment trusts
- Cash, deposit accounts and fixed interest securities
- Commercial property and land, with rental income and expenses managed through the SIPP
- Certain investments are restricted or may incur tax charges (for example, residential property and tangible moveable property), so advice and pre‑clearance are essential
Our SIPP administration
Our SIPP offering is provided through the Robert Graham SIPP, which forms part of our wider group. Day-to-day administration is handled by the Intrusted team, so you will always have a single point of contact overseeing your scheme and coordinating your administration.
How Intrusted works with advisers and clients
Intrusted provides specialist SIPP administration and trustee services, working closely with financial advisers, accountants and solicitors.
You and your adviser retain control over the investment strategy, while Intrusted focuses on compliance, governance and day-to-day scheme operations.
Charging is transparent and typically fixed-fee, with additional fees only where transactions are more complex (such as divorce or death benefits).
Charging is transparent and typically fixed-fee where possible, with additional fees only where transactions are more complex (such as property purchase).
Working pro-actively with professional intermediaries and clients to develop efficient solutions.
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Our SIPP is more than a pension wrapper – it is a trusted partnership built around people, not processes. Combining the flexibility of a modern pension solution with dedicated expert support, bespoke solutions and exceptional service, we help advisers and clients achieve their long-term retirement goals with confidence.
Designed for today's advisers and investors, our relationship-led approach delivers investment flexibility, technical expertise and responsive service, ensuring every client receives the attention and support they deserve while benefiting from a smarter SIPP experience focused on achieving better retirement outcomes.
Premal Prajapati
Director
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For individuals or advisers considering a SIPP as part of a broader retirement plan, contact Intrusted to discuss whether a SIPP is the right structure for your circumstances, or whether a SSAS may be more appropriate.
Intrusted can also review existing SIPPs where a change of administrator is being considered.