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Family Pension Trust

A cross between a SSAS and a SIPP, a Family Pension Trust is for like-minded investors or family members. By combining investment resources, the members can benefit from greater leverage and reduced investment charges.

The Rowanmoor Family Pension Trust was launched in 2006 and is the UK’s first Family Pension Trust. It is structured so that members can either retain full control over their own pension investments, via separate arrangements within the one scheme, or they can pool funds with other members and invest jointly in one or more common funds, widening the investment options and potentially decreasing costs.

What we do

We act as an independent trustee and scheme administrator, navigating the complexities of pensions and taxation legislation using our in-depth knowledge of the HM Revenue & Customs (HMRC) compliance and audit regime.

This involves providing legal trust documentation to establish the scheme with HMRC and carrying out day-to-day administration.

Our administration services include:

• Record keeping for scheme investments, income and expenditure
• Calculating and reviewing benefit payments
• Pensions technical support and guidance for members
• Annual preparation of unaudited scheme accounts and member statements
• Creating reports, claiming tax relief, making payments and liaising directly with HMRC
• Co-ownership of all assets held as an investment of the scheme


The Family Pension Trust can hold a wide range of asset classes. We consider HMRC permitted investments and apply our own due diligence filter to opportunities.

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The Metro Bank PLC account we set up for each self-invested pension, ie SIPP, FPT and SSAS, is for the purpose of managing all cash payments related to the scheme and is a mandatory requirement.

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Buying commercial property via a self-invested pension can be a tax-efficient way to inject cash into a business and provide regular income in the form of rent.

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One of the benefits of using a self-invested pension is the ability to borrow from within the scheme. This may include borrowing to purchase commercial property or provide benefits.

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Technical detail

Funding Retirement

There are several ways an employer, members or third parties can contribute to a scheme.

Retirement Benefits

Our schemes aim to offer members the widest choice of options for taking retirement benefits.

Death Benefits

Death benefits are paid to a member’s nominated beneficiaries at the discretion of the Trustees.