the Rowanmoor Defined Benefit SSAS.

Our Defined Benefit SSAS supports business tax planning and can supercharge your pension savings - allowing up to three times the contribution levels of a traditional DC scheme. All calculations are justified by our in-house team of actuaries.

The Rowanmoor Defined Benefit SSAS is an alternative way for business owners to fund for their retirement. It facilitates higher contributions, which can be used to catch-up on lost years of pension funding.

Like a traditonal defined benefit scheme, members can fund for a specific pension level at retirement - without the commitment to fund for future years of service. 

The Defined Benefit SSAS allows for a maximum of 11 directors or key employees and can be used to purchase a wide range of investments, including commercial property. A popular strategy is the purchase and lease back of a business’s premises, taking advantage of scheme borrowing at up to 50% of the net fund value.

Tax advantages

Employer contributions qualify for tax relief, bringing significant savings especially where carry-forward can be utilised. 

The unique targeted funding method for the scheme allows clients to manage their Lifetime Allowance limits far more effectively than with a traditional pension arrangement. A Defined Benefit SSAS is also an efficient tool for intergenerational planning; from the passing down of assets to estate planning strategies aimed at optimising fund value and maximising IHT efficiency.

Advice is recommended

The Defined Benefit SSAS is a complex product. It requires a long-term commitment to investing in a pension for the benefit of members. When evaluating your retirement funding options, it is advisable to consider several types of pension scheme. We also recommend you take regular investment advice, as fund performance might not allow for the delivery of the defined benefit.

We also offer a Family SIPP

Business owners evaluating their pension provision options may wish to consider the Rowanmoor Family Pension Trust. Labelled a 'family' SIPP it allows like-minded investors or family members to pool their resources to benefit from greater leverage and lower charges.  

Learn more  


The Defined Benefit SSAS is a specialised product and a feasibility report must be completed prior to submitting a scheme application. Please call our sales support team on 03445 440 550 for further information and to discuss your specific requirements. You can download supporting literature and application forms using the links below. 

View the full list of permitted investments. To appoint a discretionary fund manager or stockbroker, contact us to ensure it is approved.

permitted investments.

The Defined Benefit SSAS can hold a wide range of asset classes. We consider HMRC permitted investments and apply our own due diligence filter.

Find out more  

commercial property.

A Defined Benefit SSAS can purchase and hold commercial property. Our commercial property guide summarises the factors to consider.

technical details.

Self-invested pensions are complex products. They offer investment flexibility and tax advantages, it's important to understand the finer details.

Pensions technical  

additional SSAS services.

actuarial services.

Our team of in-house actuaries offer commercially aware, understandable solutions for scheme trustees.​

View all services  

scheme accountancy.

We can assist with pension related accountancy queries from trustees of schemes not administered by us.

View all services  

SSAS practitioner services.

Technical support, actuarial and consultancy, through to scheme documentation and administration.

View all services