For UK Accountants & Advisers
Your director clients deserve a better pension
Most company directors are defaulted into a SIPP — a pension that gives them no control. A Small Self-Administered Scheme (SSAS) lets them own commercial property, make loans back to their business, and build wealth tax-efficiently.
Most accountants don't know it exists. You can change that — and earn a referral fee for every client who proceeds.
Most business owners are in the wrong pension
SIPPs are the default — but they were designed for individuals, not company directors. Directors have unique needs that a SIPP simply cannot meet.
What most directors have
SIPP (Standard Personal Pension)
- No ability to purchase commercial property
- Cannot lend money back to the business
- Limited investment options set by provider
- No bespoke trustee control
What directors could have
SSAS (Small Self-Administered Scheme)
- Buy commercial property through the pension
- Loan up to 50% of fund value back to the company
- Full trustee control over investments
- Significant tax reliefs on contributions
What is a SSAS?
A Small Self-Administered Scheme is an occupational pension exclusively for company directors. Unlike any other pension, it gives directors direct control over where their retirement funds are invested.
Commercial Property
Buy business premises through the pension. Rent paid to the SSAS grows tax-free and the property passes outside the estate.
Loan-Back Facility
Lend up to 50% of the pension fund back to the company at commercial rates. A powerful source of working capital that banks can't offer.
Generous Tax Relief
Employer contributions are tax-deductible against corporation tax. The pension fund grows free of income tax and capital gains tax.
Full Trustee Control
The director is a trustee of their own pension. They make all investment decisions — no fund manager charging 1–2% annually.
How You Can Help
Three simple steps — and your clients get access to a pension that genuinely works for them.
Learn
Spend 2 minutes understanding what a SSAS is and who it benefits. Our platform gives you everything you need — no specialist pension knowledge required.
Read the SSAS explainer →Share
Use your personalised share link and our ready-made email templates to inform clients about SSAS. We provide the tools — you just pass on the information.
See the partner tools →Earn
Receive a competitive referral fee for every client who proceeds with a SSAS. Paid after the pension is established — typically within 90 days. Your clients are better off. So are you.
Register as a partner →See What You Get as a Partner
The TLPI partner portal gives you everything you need to help clients and track your referrals — all in one place.
Referral Dashboard
Track every referral from submission to converted. See status updates, earnings to date, and a full history of your activity.
Share Tools
Your unique referral link, email templates, and LinkedIn posts — ready to share with clients. One click to copy, personalised with your details.
Resources & Guides
Downloadable PDF guides, compliance documentation, and the referral agreement template — everything your clients and compliance team need.
Is it Safe for Me to Refer?
Many accountants assume that recommending a pension product requires FCA authorisation. This is not correct for SSAS. SSAS administration is regulated by HMRC and The Pensions Regulator — not the FCA.
Referring a client to a SSAS administrator falls outside the boundary of regulated financial advice. Both ICAEW and ACCA permit referral fee arrangements with proper disclosure.
Read the full regulatory clarity page →Key facts for accountants
- ✓SSAS is not a designated investment under the FCA Regulated Activities Order
- ✓ICAEW and ACCA permit referral fee arrangements with disclosure
- ✓TLPI provides a pre-drafted disclosure letter template for all partners
- ✓A written referral agreement is provided before any referral is made
- ✓HMRC registered pension administrator since formation
Accountants Who Have Helped Their Clients
These accountants recognised that their director clients had a better option — and made the introduction.
TLPI made the whole process straightforward. My client set up his SSAS in under 90 days and purchased his business premises through it. Knowing my client is better protected for retirement is what matters most.
I was nervous about referring a pension product but the regulatory clarity page on TLPI's site answered every concern I had. SSAS is entirely outside the FCA perimeter. I have now referred three clients, all of whom are delighted.
The loan-back facility was exactly what one of my clients needed — working capital without going to a bank. The SSAS provided it tax-efficiently. TLPI handled everything professionally and kept me informed throughout.
Ready to help your clients?
Join accountants helping director clients access a pension most accountants don't know about.
Register as a Partner