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The Option SIPP

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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.

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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.

CALCULATE FEES

The Option SIPP offers great value for money, with no hidden fees or charges. Our fee calculator shows what the client will pay.

Calculate fees

INVESTMENT OPTIONS

A wide range of investments can be held in the Option SIPP. You can use a platform, stockbroker or discretionary manager.

View investments

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.

Get started

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

£ 240 in the first year

  • £190 (subsequent years)
  • £0 (establishment fee)
  • £50 (cash transfer in fee)
  • £190* (annual fee)

* Charged annually in advance

AJ Bell

£ 440 in the first year

  • £260 (subsequent years)
  • £120 (establishment fee)
  • £60 (cash transfer in fee)
  • £260** (annual fee)

** £65 per quarter for fund values over £200k

Curtis Banks

£ 386 in the first year

  • £332 (subsequent years)
  • £0 (establishment fee)
  • £54 (cash transfer in fee)
  • £332* (annual fee)

* Charged annually in advance

Fees can be a murky area. Our fee calculator gives absolute clarity on the fees that apply for the Option SIPP.

Calculate fees

Banking

For details of our banking partners and interest rates, please see banking information.

About Embark Group

Businesses within the Embark Group have been established in the retirement market for more than 40 years and have a long history of working closely with intermediary distribution partners and high net worth clients. Download our corporate information pack.

£36.2bn↑

Assets under admin

360,000

Individual clients

430,000

Individual accounts

7

Locations nationwide

*All figures as at June 2022.

EFFICIENT & RELIABLE

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

EXEMPLARY SERVICE

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

INVESTMENT CHOICE

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

CLEAR, TRANSPARENT FEES

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