CASE STUDIES
—
Pooled SSAS
Creating Liquidity for Pension Lump Sums & Retirement Income
How a family dance academy used SSAS pooling to fund retirement for the older generation while securing long-term assets for the next.
Total scheme value
Tax-free into SSAS
Family business heritage
Multi-generational
A Thriving Family Dance Academy.
The client runs a thriving dance academy originally founded by her parents over 30 years ago. As a family-owned business, three of them remain members of the SSAS, administered by Seabridge SSAS, which now holds over £600,000 in assets.
SSAS Assets Include:
- A commercial property (the dance studio)
- Deposit accounts
- A diversified portfolio of stocks and shares
The client’s parents are no longer involved in the day-to-day running of the business, but they are approaching or already at retirement age — and require liquid funds within the SSAS to take their Pension Commencement Lump Sum (Tax-Free Cash) and retirement income.
£62,000 Per Year — Tax-Free into the SSAS.
The dance studio used by the business is owned by the SSAS. The dance school, as tenant, pays £62,000 per year in open-market rent into the SSAS.
Rent is a fully deductible business expense, lowering Corporation Tax
Contributions and rental inflows improve cash availability inside the pension
Keeps the investment entirely separate from the trading business.
Pooling & Asset Exchange.
One of the unique benefits of a SSAS — unlike SIPPs — is the ability for members to pool assets under a common trust. This allows for asset exchange between members, creating flexibility not available through individual pension wrappers.
How It Works
The client’s company makes pension contributions for her, boosting liquidity within the SSAS. She can then exchange these cash contributions for a larger share of the property, gradually increasing her ownership of the long-term asset.
For the Parents
Her parents — who need access to liquid funds for retirement — can hold more of the cash, deposits, and investments, draw tax-free cash, and access pension income from the liquid pool of funds rather than relying on selling property.
£62,000 Per Year — Tax-Free into the SSAS.
For the Younger Member
- Takes a larger share of the property — the long-term appreciating asset
- Maintains a growth-focused pension strategy aligned with her horizon to retirement
- Benefits from company contributions funding the liquidity needed for her parents
For the Older Members
- Gain access to liquid assets without selling the property
- Can take Pension Commencement Lump Sums (Tax-Free Cash)
- Receive retirement income from cash and investments within the SSAS
- Benefit from rental income accumulating and supporting ongoing liquidity
A Perfect Example of SSAS Flexibility.
A flexible, tax-efficient solution that supports both the immediate liquidity needs of retiring members and the long-term investment goals of the next generation.
Liquidity created without selling long-term assets
Members hold different proportions of each asset based on retirement needs
Pooling allows a seamless transition between generations
The business benefits from tax-efficient rent and contributions
The family retains full control of the commercial property and pension strategy
Could a Pooled SSAS Work for Your Family?
Discover how Seabridge SSAS can help you create liquidity, protect wealth across generations, and stay in control.