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Our most flexible SIPP offers a wider choice for your clients to control their retirement savings, with access to property expertise and a wider range of investment opportunities.

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Option SIPP

An accessible, easy to understand and cost effective personal pension, the Option SIPP is designed to help simplify the complexity of pension investing.

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Pensions property specialists

Our dedicated property team are experts in dealing with property acquisitions via a pension scheme and in holding property within a scheme. They oversee an extensive portfolio of properties.

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Whatever your client’s retirement needs, our range of Embark self-invested pensions is designed to meet them. For clients that want access to straightforward, standard investments we have our Option SIPP. For a more bespoke solution, our Full SIPP is suitable for clients who require property expertise, greater diversity and wider investment flexibility.

If your client’s circumstances change, so can the type of SIPP, thereby accommodating differing investment requirements throughout an individual’s lifetime.

Our online application process will get your client’s SIPP open as quickly as possible. As the adviser, we do however require your firm to have Terms of Business in place before we can proceed.

We would be delighted to discuss our range of pension solutions with you, please contact our sales representatives who will be happy to help.

Please note this site is primarily for use by Advisers and customers in conjunction with their Adviser. The information and opinions provided are for guidance only and are not intended as investment advice. We recommended that you seek advice from a recognised investment professional before making any decision to invest in one of our products.

Our Products

Option SIPP

An accessible, easy to understand and cost-effective personal pension. We’ve designed the Option SIPP to help simplify the complexity of pension investing; our Option SIPP gives your clients access to standard investments through our wide panel of DFMs, stockbrokers and platforms as well as with other directly held funds.


Our most flexible SIPP offers the greatest choice for your clients to control their retirement savings, with access to property expertise and a wider range of investment opportunities.

More Information

To download our product literature, including the Key Features Document and our Fee Schedule for the above products, please go to our literature page.

For details about our banking partners, and the rates of interest paid on deposits, please go to our banking page.

About Embark

In the fast-changing investment and retirement savings market, you need a platform that can keep pace. A platform you can trust to deliver today and tomorrow for your business and its customers.

We’re an agile WealthTech company with the financial strength that comes with being part of Lloyds Banking Group.

We power some of the UK’s leading financial brands as well as a wide range of adviser businesses. And we pride ourselves on understanding client needs and providing platform solutions to fit.

We are WealthTech the way it should be.


I am transferring my SIPP to Embark Pensions where the charges are explicit, clear and not bundled or subject to increases without explanation. The team are very personal and efficient and a pleasure to deal with.
Nigel Lavender, Bourne


Through my experiences I have found the Embark Pensions team very efficient and reliable. They offer an excellent personal service to their clients. I already have and will continue to recommend them to other advisers.
James Barlow, Chorley


The Option SIPP accepts a broad range of investments that simple, off-the-shelf SIPP providers would not be able to handle properly. Even people working at the funds I’ve invested say how helpful they’ve been.
Christian Tym, Surrey


I started using the Option SIPP last year to keep my pension costs low. The service has been 5 STAR. I now have the flexibility to buy shares and commercial property. The transfer was quick and hassle free.
Gregory Lay, Derby