What is a SIPP?

A self invested personal pension (SIPP) is a vehicle that lets you save for your retirement in a tax-efficient way. It is a personal pension wrapper that can hold a wide range of permitted assets both directly and through collectives. It offers you a higher level of flexibility and control over investment choices, which is useful if you use it. However, should you only want a more limited investment choice, you may be able to access this more cost-effectively without the SIPP wrapper cost.

Dentons provides both a full asset SIPP, enabling you to invest in a wide range of assets including commercial property through the full asset SIPP, and a more straight forward SIPP, our single portfolio SIPP, where you can only invest in a single portfolio. Both SIPPs deliver the flexibility to move between each Plan at a reduced cost to take advantage of a change in asset requirements.

Our SIPPs are Registered Pension Schemes for the purposes of Section 150(2) Finance Act 2004.

Key features include:

  • Efficient and award-winning administration.
  • Flexibility on the level and choice of investments.
  • Inheritance tax planning possibilities.
  • Penalty free transfers.
  • Simple transparent fee structure.
  • The ability to select your own fund managers.
  • Total flexibility on the frequency and payment of contributions.
  • Early 'retirement' irrespective of whether you remain at work, subject to a minimum age of 55 (rising to 57 from April 2028).
  • Staggered or phased retirement.
  • Capped/Flexi-access drawdown - no need to purchase an annuity.

Tax benefits.

Under current legislation, self invested personal pensions enjoy considerable tax benefits:

  • Tax relief on permitted personal contributions at your highest marginal rate of income tax, subject to certain limits.
  • Investments are generally exempt from UK income tax and capital gains tax (CGT).
  • Employer’s contributions may qualify for full tax relief as a business expense.
  • Benefits on death will normally be free from inheritance tax.
  • Benefits on death before age 75 could be free of any tax.

Why choose Dentons Pensions?

At Dentons Pensions, we understand that everyone's financial journey is unique. That's why our SIPPs are tailored to accommodate your specific needs and aspirations. Here's why you should choose us:

History: Dentons has 45 years’ experience and has gained a reputation as a professional, knowledgeable and efficient self invested personal pension administrator.

Diverse Investment Options: Our SIPPs open up a world of investment opportunities, from traditional assets to alternative investments, giving you the freedom to diversify your portfolio. Dentons has 45 years’ experience within the self invested pensions industry and our Pension Consultants average over 28 years’ experience in financial services, dealing with simple and complex investments, including commercial property purchase (all investments are subject to Dentons individual acceptance following its due diligence).

Professional Administration: Dentons has a clear focus on the delivery of a personalised and expert SIPP administration service to their clients. Dentons' Pension Consultants each head up a team of Pension Administrators. Each team deals with a specific set of clients and provides a single point of contact for all client transactions. Dentons' servicing structure and training programme are designed to ensure that Dentons’ Pension Administrators are comfortable answering any adviser and client queries across every aspect of servicing.

Award winning service: Winning externally accredited awards including the Financial Adviser Service Awards (FASA) in consecutive years since 2015 is a testament to our dedicated, knowledgeable and experienced Pension Consultants and administrative staff and to our range of self invested pension products. Our level of client services and pension products continue to lead the way, backed by impressive customer assessment.

What can a SIPP invest in?

A principal feature of our SIPPs is the freedom for the client to choose their investments from a wide selection, unlike a personal pension where you can usually only invest in a range of funds offered by an insurance company. With Dentons Pensions, you will be able to take direct control over your investment strategy, and depending on the SIPP selected, could allow you to invest directly in a range of assets such as stocks and sharescommercial propertygold bullionunlisted shares, collective funds and bank/building society deposit accounts.

full asset sipp - permitted assets single portfolio sipp - permitted assets

Contributing to a SIPP

You, your employer or a third party other than your employer may contribute to your self invested personal pension. This can be on a regular basis, as one-off contributions, or a combination of both. there is no specific requirement to contribute and you can pay at intervals that suit your personal circumstances.

You will normally be eligible for tax relief on the total amount of contributions you and/or a third party (other than an employer) pay in a tax year to your self invested personal pension and any other registered pension schemes you may have, that do not exceed the greater of:

  • £3,600 gross and
  • 100% of your relevant UK earnings that are changeable to income tax for the tax year in question.
More on pension contributions


Our fees provide clients with a clear administration charging structure. The standard annual administration for our full asset SIPP is charged at £696 plus VAT enabling clients to access a full range of investment options. For clients who choose to only invest funds in a single portfolio with an investment manager or platform, the standard annual administration is charged at £480 plus VAT.

More questions about SIPP?

Our SIPP frequently asked questions (FAQs) section will provide you with more information about SIPP, to help you decide whether this is the most suitable retirement vehicle for you.

SIPP Frequently Asked Questions (FAQs)

Disclaimer: A SIPP is not suitable for every investor. Other types of pensions may be more appropriate. The value of investments made within a SIPP can fall as well as rise and you may end up with a fund at retirement that's worth less than you invested. You can normally only access your pension fund from age 55 (age 57 from April 2028). Please note: the tax treatment of a SIPP depends on the individual circumstances of each investor and may be subject to change in the future.

Before making any decision regarding the suitability of using a SIPP or transferring any existing pension plan(s) into a SIPP we recommend that you seek the advice of an authorised and regulated financial adviser. If you do not have a financial adviser, please view one of the below:

How to open a SIPP with Dentons?

Start your SIPP application today, by completing our SIPP application online.

SIPP testimonials.

I would like to confirm that Dentons have provided me and the firm with the highest levels of servicing and assistance. Every member of staff I have dealt with has been most helpful and had the patience to run through any query whether simple and complicated. All documentation has been provided in a timely manner and the support with adding applications etc has been top notch. J. Titmarsh, Fairstone Group
Excellent service from both Hannah and the Admin team. I will certainly use Dentons again when the opportunity arises. J. Walls, Protection & Investment Limited
Thanks for your exceptional service - you guys are streets ahead of the rest. M. Mathias, Client
May I extend all our thanks to you [Shirley] and the team at Dentons; your communication and attention to detail has been exceptional on a recent SIPP case. M. Warner, Senior Financial Planner, Succession Wealth
A big thank you for helping me get my SIPP set up with Dentons. Very professional efficient staff who have helped me at every step. B Bhandal, Gloucester
Very impressed with how Dentons has dealt with the administration of our SIPP clients. The efficient and attentive direct personal contact service is exemplary and provides the reassurance that brokers highly value. D Nichols, Helm Godfrey
If only all the SIPP trustees we've had to deal with were as professional and efficient as Dentons! Client, Cartlidge Morland
Dentons are leagues ahead of all of their competitors for the efficiency of the transaction process. Mr G Ribbons, Equitas Financial (UK) Limited, IFA
Smooth transition & set up of SIPP, handled in a professional & timely manner. If only all companies could follow Dentons strategy in service! Mrs E Price, Client, Liverpool
Dentons have been able to provide an outstanding service while dealing with more complex cases than a standard SIPP. P Masters, MASECO Private Wealth
I am really delighted at the way you have managed my drawdown for me and very grateful that you have been there to make the entire process so smooth. I had read some excellent customer reviews of Dentons online, and I can now see why you get such great feedback. F Collinson, Client
I’ve been very impressed with the attention to detail and proactive response, especially from Mark Finch. M. Anderson, Broadoak Financial Planning Limited
I have been very impressed by the highly professional and commercial services provided (and I'm not easily impressed!). I would strongly recommend Dentons to anyone with similar circumstances. A very satisfied customer. Client, London
I was delighted with the service provided. It was always helpful, accurate and prompt and I could not have asked for any better communication. Thank you. I Henderson, Client
From my first contact with Steve McPhillips through to the setting up of the SIPP and its on-going administration, I have found the service provided by Dentons to be first class. The team are pro-active and knowledgeable, and keen to work closely with me for the benefit of my client. P. Mahon, Brookdale IFP Ltd
James Beal was a huge help with my client. He guided me through the process of setting up the new SIPP with ease. He is a huge asset to Dentons. S Straker, IFA
The allocation of SIPPs to individual staff is far preferential to a teams based approach. T. Law, Eastcote Wealth Management Limited

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