Business Details
29 Years
experience
Award-Winning SIPP and SSAS Pension Solutions
Investacc has been a specialist SIPP and SSAS provider since 1997, serving authorised financial advisers across the UK. Established in Carlisle and Manchester, we combine over 25 years of industry expertise with a commitment to maintaining high-quality, personalised service. Our growth has been driven by a focus on operational excellence, evidenced by our 242% capital adequacy ratio against regulatory requirements. Recognised as a market leader through multiple awards including Best SIPP Provider at the Money Marketing Awards 2025, we operate under strict regulatory oversight from the Financial Conduct Authority.Our team of experienced professionals delivers tailored pension solutions while maintaining transparent fee structures. The company's financial strength is reinforced by its B- rating from AKG Financial Analytics Limited. We prioritise client satisfaction through efficient processes, demonstrated by testimonials highlighting our responsive service and technical expertise. Our infrastructure ensures asset segregation for client security, with investments held separately from our operational finances.
Services
SIPP Administration
SSAS Management
Pension Transfers
Property Investment
Benefit Payments
Details
- Year established: 1997
Highlights and features
- 25+ years' specialist experience in SIPP and SSAS provision
- B- financial strength rating from AKG Financial Analytics Limited
- 242% capital adequacy ratio exceeding regulatory requirements
- Winner of multiple industry awards including Best SIPP Provider 2025
- Transparent fee structures with dedicated client support teams
What people say
Excellent service
Prompt response
Transparent fee structure
Knowledgeable staff
Efficient processing
Services
SIPP Administration
Our SIPP administration service provides comprehensive management of self-invested pension plans with flexible investment options. Clients can access commercial property, land, and traditional investments through a single platform. The service includes regular reporting, benefit processing, and dedicated support for financial advisers. With competitive fee structures and transparent pricing, we ensure clients maintain control over their pension assets while benefiting from professional administration. Our systems support both individual and group investment arrangements.
SSAS Management
Specialist SSAS management for business owners seeking integrated pension solutions. Our service enables secured loans to sponsoring employers up to 50% of scheme assets, with full compliance monitoring. We support scheme establishment, investment management, and benefit payments while maintaining strict separation between trustee and professional trustee responsibilities. The service includes property acquisition assistance and ongoing administration for both new and transferred SSAS schemes.
Property Investment
Commercial property investment services for pension schemes include acquisition, management, and disposal support. Our dedicated teams handle property transactions from initial purchase through to lease management and income collection. We facilitate in-specie transfers between registered pension schemes and provide insurance coordination for scheme-owned properties. The service supports both Minerva SIPP and SSAS clients with specialist property administration throughout the asset lifecycle.
Pension Transfers
Comprehensive transfer services enable seamless movement of pension funds into and out of our schemes. We process incoming transfers from other providers and manage outgoing transfers while maintaining regulatory compliance. The service includes documentation verification, valuation support, and coordination with receiving institutions. Our dedicated transfer teams ensure timely processing with regular status updates for advisers and clients.
Benefit Payments
Flexible benefit payment solutions support various retirement income strategies. We administer crystallised funds, flexible drawdown arrangements, and lump sum payments according to client requirements. The service includes benefit request processing, tax-efficient payment structuring, and ongoing compliance monitoring. Our teams provide detailed guidance to ensure clients maximise their pension benefits while meeting regulatory obligations.
People
Dan Gardner
Director
Experienced director with extensive knowledge of pension administration and strategic business development across multiple UK locations.
Gary Mirfin
Director
Senior director responsible for strategic operations in the Tees Valley region with significant industry experience.
Graeme Duguid
Pensions Director
Specialist pensions director overseeing technical operations and product development for SIPP and SSAS solutions.
Julia Barnes
Director
Board director with responsibility for key operational areas and strategic initiatives within the pension administration business.
Nick Gardner
Managing Director
Managing director leading overall business strategy and operations with extensive experience in the pensions sector.
Questions
What SIPP options do you offer?
We provide Minerva SIPP with full investment flexibility and SIPP Lite as a lower-cost option with single investment account access.
How are pension transfers handled?
Transfers are managed through dedicated teams with regular status updates, ensuring timely completion and regulatory compliance.
What property investment services exist?
Our property team supports acquisitions, management, and disposals for pension schemes with specialist post-purchase administration.
How strong is your financial position?
We maintain 242% capital adequacy ratio with B- rating from AKG Financial Analytics Limited as of 2024.
What awards have you won?
Recent accolades include Best SIPP Provider at Money Marketing Awards 2025 and 5-star rating at Financial Adviser Service Awards 2024.