Segmented Solutions Limited

27/05/2025

Just doing our 5 Year Anniversary Re-Branding..... New LOGO and new Web site all up and running ready for next month's 5th YEAR CELEBRATIONS!!!

The addition of the '+' in the logo is to reflect the Swiss Army Knife approach to what we do - dependable, reliable and lots of options available!

https://www.segmentedsolutions.co.uk

13/12/2024

Just had a call from someone who said they needed help setting up a SSAS - which is what we do and we are pretty good at it.

I quickly asked if they owned and ran a business through a Ltd Company and if so, what did it do and what are its normal annual pre-tax profits.

They said…..”I work as an employee full time, but my property advisor said I “need” a SSAS so I can leave my job and do buy to let property for a living instead”.

Just wanted to say this on the record… if you do not run a business you cannot have a SSAS - no matter how much the property trainers tell you to get one (so they can sell you courses on SSAS’s or worse… offer you conflicted property deals!)

I won’t name names… but please - if you offer property courses… stop giving people retirement planning advice that is utter nonsense!

01/06/2024

Alongside all the SSAS work I do - we now have a new partner in Dubai… Elite Wealth Property Consulting fzco.

This company will help UK Expats shelter their UK property investments from UK taxes (including IHT!).

As always - I have posted videos to walk through the planning, so anyone can see how it all works:

Https://elitewealthproperty.com

We work with wealthy Dubai based property investors and their Financial Advisors and/or Property Agents – to show them how to use a GDEUT to eliminate all the taxes imposed by HMRC on their UK property investments (i.e how to have tax free rent and tax free capital gains). Elite Wealth Property Co...

29/04/2024

If you want to know about how to calculate your maximum SSAS contribution, this may help! Sadly there is no time travel and you cannot 'go back' 3 years!

Segmented Solutions: How to calculate SSAS Pensions Contributions for the tax year 2024-2025.So many business owners call me and say that they can 'go back' ...

05/10/2023

SPOTLIGHT 63 COMING TO A PARTNERSHIP NEAR YOU!!

HMRC have issued a spotlight covering Partnerships and CGT/IHT planning that many property investors have become wrapped up in.

If this applies to YOU - then get in touch. There IS a solution.

Find out about a scheme used by individual landlords to avoid paying tax on their property income and reduce Capital Gains Tax and Inheritance Tax.

27/06/2023

As explained in HMRC's latest Newsletter - the SSAS Annual Reporting system will be launched next year - just in time for the annual returns covering your SSAS activity, assets, loans etc from 6th April 2023 - 5th April 2024.

Are you ready for this NEW system and all the ADDITIONAL questions it will ask? Are you involved in ANYTHING residential property related?

Watch our detailed HMRC Reporting video for more information.....

HMRC SSAS Annual Returns - BIG changes have arrived!Everything is going to change! If anyone has read the latest HMRC Pensions Newsletter - you will see that...

20/06/2023

A quick summary of my session in Bristol with the SSAS South West team - a great day and my thanks to Mark for organising it.

This is a summary of my presentation at the SSAS South West meeting in June 2023. It covers all the main issues with HMRC SSAS Reporting and as many notes ab...

15/03/2023

Finally some great pensions news - you can now use your SSAS to grow UNLIMITED wealth! The Lifetime Limit used to add extra taxes once benefits in excess of £1.07m were taken.

Now there is NO limit!

Contribution limits are also UP to £60,000 from £40,000.

Fantastic news for all our SSAS clients!

15/03/2023

Finally some great pensions news - we can now use your SSAS to grow UNLIMITED wealth! The Lifetime Limit used to add extra taxes once benefits in excess of £1.07m were taken. Now there is NO limit!

Guessing this applies to the 25% tax free cash too!!

Contribution limits are also UP to £60,000 from £40,000.

Fantastic news for all our SSAS clients!

03/02/2023

With all the talk about ChatGPT and Artificial Intelligence - we thought it would be interesting to compare ChatGPT with our own SSAS Property Chatbot.

The results were really interesting and go a long way to explain what we have known for many years.

Artificial Intelligence must use source material to 'learn' - so it will read the contents of the internet and 'learn' from the multitude of different sources that are available. However this is where AI (ChatGPT) gets itself into trouble.

There are a large number of web based 'SSAS Forums/Groups' where people are answering questions incorrectly or are 'selling' a solution that would fail the test of an HMRC Tribunal. Some 'experts' are sadly not experts at all. They are simply adding their voice to the others who support and agree with whatever they hear.

All this 'incorrect' or 'misleading' data is absorbed into the AI system as the 'truth' - and it learns to provide answers based on how many people are touting their own version of 'expertise'.

Most real experts simply don't bother to waste their time getting into academic arguments like this, as their time is precious.

So systems like ChatGPT skip over their knowledge as being of no 'relevance' - simply based on the lack of corroborating articles or web sites.

This morning I asked ChatGPT is a SSAS could directly purchase a residential property - it said YES. The only stipulation being that the property could not be rented to a Member of the SSAS and that the property needed to be held inside an SPV - such as a Limited Company. This may well be totally true - but it may also be utterly wrong (!)

Whilst there is an enormous amount of interest in AI and ChatGPT in particular - we need to remember the old saying:

Rubbish IN = Rubbish OUT!

The information in our SSAS Property Chatbot has been hand crafted to cover 168 different property scenarios and no amount of asking Google or ChatGPT would get the answers refined into 1 comprehensive SSAS Property Tax Planning report that matches your individual scenario.

This is why experts invest the time to ask a lot of questions and even more time crafting their answers.

No AI system has the depth or range of experience that a professional expert has in their knowledge banks. I used to write the Pensions Exams (G60) and the syllabus missed most of what I now use on a daily basis to help clients. So AI learning the books? Still no help!

The one GOOD thing ChatGPT did say was:
GET PROPER ADVICE!