Case Study:

Paul & Annie Allen

The following case study illustrates the utilisation of a Small Self-Administered Scheme pension with the view to mitigate inheritance tax and use funds to invest in property in a hands-off manner.

accountants happy with ssas pension


For ex-accountants, Paul and Annie Allen, investment and finance have long played a part in their working lives. However, adding a property SSAS (Small Self-Administered Scheme) pension to their retirement and legacy planning, has added another level of value to their strategy and capacity to invest and grow.

The Situation

Already owning a hotel, storage units and buy-to-lets, the Allens had a very healthy portfolio. However, they were all too aware of the imminent implications for inheritance tax their son would be faced with, once they were gone. The SSAS pension had been mentioned to them some years ago as a possible solution to some of their frustrations. At that time, the advice given left them less than confident. Having read in the news about other people being stung by scams, coupled with just their own internet research at the time, they didn’t feel confident enough to follow it up.

That was all set to change a few years later when they attended the Maidenhead PIN and heard Mike Holt speak about the SSAS pension. “It was after that event that Mike Holt of TLPI introduced us to one of their lead consultants, Simon King, who sat down and talked to us about our options.” In Annie’s words, “We were both accountants so had worked with pensions and investments, but we had a lot of questions still. Simon spoke to us in down-to-earth, sensible terms without the ‘legalese’ jargon.”


Paul and Annie’s initial experience of undertaking their own research and the lack of reliable, uncomplicated information available, is a common thread heard by TLPI upon first contact with potential clients. Company owners hear about the SSAS pension but they are then discouraged, as the process of setting up a SSAS is complicated by IFAs and advisers. The flexibility, control and other unique benefits of the SSAS pension get buried beneath ill-explained process and unnecessary jargon, leaving the client confused. TLPI are quick to dispel this misconceived information and this will be clearly evident from your very first contact with one of our expert advisers.

As Annie Allen explains: “Even from first contact with TLPI, we were put at ease. We are both accountants but we still had loads of questions and needed some support. Talking to Simon allowed us to understand, and discern, ‘this is do-able!’”

For Paul, having the support of TLPI meant down to earth answers, specific to their personal strategies and goals. “When you read of stories in the press, such as the Neil Woodford scandal, it makes you far more cautious. However, all concerns were addressed by TLPI straight away and I felt totally comfortable and assured that I was working with experts.”

The Result

“The process was uncomplicated and clear. Teresa from TLPI was marvellous in managing the transfers and chasing up any paperwork required. Everything was dealt with, with patience and good humour, which left us totally at ease, throughout.” Paul is keen to add that TLPI are able to offer different levels of support and advice for different people and different circumstances. “We found that Simon really listened to what we wanted, rather than impose opinion. It isn’t just a ‘one size fits all’ service.”

So, what are the Allens doing with their SSAS? “Well, our interest in the SSAS was first sparked by the legacy aspect. We already had a portfolio and were keen to secure our assets and ensure a tax efficient inheritance for our son,” Paul clarifies. “We also wanted to be in control of our own destiny.”

Paul and Annie’s plan is long term. They are not ready to retire too early so they are busy picking up profitable investments and ensuring their son is learning along the way. “We have a pot to play with now, financial sense and the knowledge and confidence TLPI have given us,” Annie describes. They are in a position to invest via small loans to developers, in addition to their properties. As Paul expresses, “The next 5 years will be interesting; the high street is changing, business is changing. We are now in a position to move with the changes, all the while protecting our assets within the SSAS. Our legacy is secure and our investments and our business are tax efficient and growing our pot.”

“Anyone who is a business owner and wants to have more control over their pension, their investments and their future, really would be wise to look at a SSAS pension” – Paul & Annie Allen


Our clients rate us as 5 star, here’s what they say:

We have recently used this excellent company to set up a Family Investment Company. The complete process was seamless with our personal contact Jordan Sharpe explaining all the steps along the way in a very confident and professional way. They really do deserve this 5 star review.
Keith Jones
Keith Jones
Tlp have been fantastic with there advice and help in setting up my retirement plans , putting structures into place to help with future generational hand over of assets, great advice from Jordan Sharpe, easy to deal with and always on hand for help when needed, well done all, 👏 ✔️
Stewart Yardley
Stewart Yardley
Trustworthy Financial Advice with an Eye on the Future. I recently sought financial advice, and trust was my top priority. TLP not only met my expectations but exceeded them. Although their product didn't suit my current needs, their dedication to providing comprehensive information and support left me confident in utilising their services in the future. TLP's commitment to customer satisfaction was evident from the moment I approached them. They patiently and thoroughly discussed all available options with me, ensuring I understood the pros and cons of each. Despite not making an immediate sale, they generously shared their time and expertise, demonstrating a genuine interest in helping me make the right decisions. What impressed me the most about TLP was their transparent and honest approach. They didn't try to push any product on me that wouldn't serve my current financial situation. Instead, they focused on empowering me with the knowledge I needed to make informed choices. Their willingness to prioritise my needs over immediate profits spoke volumes about their integrity. I left my interaction with TLP feeling informed, confident, and assured that when the time is right, they will be my go-to financial advisory service. The trust they have established with me through their professionalism, dedication, and genuine care for my financial well-being is unparalleled. I have no hesitation in recommending TLP to anyone seeking trustworthy financial advice.
Robert Sidebottom
Robert Sidebottom
I was looking at setting up a Family Investment Company, during which I’d paid more than a few hundred pounds for a couple of Consultations. After which I’d received some rather expensive quotes for setting it up, as well as getting lots of complexed information about the process. Then I eventually stumbled across TLP while doing some related research. I was pleasantly surprised and more than pleased that they offered a No cost consultation. During which Lewis Jones, was able to simplify all the information and subsequently provide a much more realistic quote for the process. Not to mention the first year’s company accounting services that came for free and the ongoing advice from Lewis. Which has not only been financially beneficial, but as proved to be a great source of knowledge and education, responding to all my questions promptly. With my background not being in the financial and investment sector, his clear explanations put in a context that I was able to understand, has been invaluable.
Geoff Saunders
Geoff Saunders
Great support all the way through the process very professional good knowledge and friendly service. I would highly recommend
Andew Clymo
Andew Clymo
From the start of the transfer to the end TLP have been always available to me, they have kept me informed throughout the process and offered help and guidance when required. Excellent service that is highly recommended
Andy Page
Andy Page
Now fully set up with a Landlords pension and very pleased with the overall service. Only delays were with AVIVA not playing ball but now all done and set to earn significantly more than with AVIVA. Jordan Sharpe was knowledgeable and guided me through the whole process with a professional and friendly approach. Morwena (assistant) was again very friendly and together made the process a simple one. Looking forward to a better retirement (eventually) thanks to TLP.

Want your questions answered by our expert Family Investment Company consultants?

Book your free, 15 minute no obligation call to find out more!

book now