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The Option SIPP
The Option SIPP
An accessible, easy to understand and cost-effective personal pension. Saving for retirement is personal. We’ve designed the Option SIPP to give clients the ultimate flexibility when managing their retirement savings.
COST-EFFECTIVE
No hidden charges or time-costed fees. Our calculator will allow you to see the upfront charges, along with the fees in subsequent years.
DIGITAL
An Option SIPP can be set up online, within just 10 minutes. All anti-money laundering checks are undertaken by our partners, GB Group.
FLEXIBLE
The Option SIPP can be designed to suit a client’s individual circumstances, with the freedom to adapt to their changing needs or objectives.
SECURE
We are part of the Embark Group. In January 2022, Embark became part of Lloyds Banking Group.
Investment options
A wide range of investments can be held in the Option SIPP. You can use a platform, stockbroker or discretionary manager.
Get started
Learn how to register to work with us, the process for signing up clients and using our Adviser Portal. There’s also a helpful Q&A.
Fee comparison
It’s all well and good to say your services are cost-effective. We prove it.
Calculations are based on transferring £250,000 from one existing pension scheme and investing with a discretionary fund manager (DFM). The fees used in this example are exclusive of VAT.
Option SIPP
£ 250 in the first year
- £200 (subsequent years)
- £0 (establishment fee)
- £50 (cash transfer in fee)
- £200* (annual fee)
* Charged annually in advance
Barnett Waddingham Flexible SIPP
£ 385 in the first year
- £285 (subsequent years)
- £100 (establishment fee)
- £0 (cash transfer in fee)
- £285* (annual fee)
* Charged annually in advance
Curtis Banks Your Future SIPP
£ 352 in the first year
- £352 (subsequent years)
- £0 (establishment fee)
- £0 (cash transfer in fee)
- £352* (annual fee)
* Charged annually in advance
Banking
For details on our banking partners and interest rates, please see our banking information page.