A Pensioneer Trustee of a Small Self- Administered Pension Scheme (SSAPS) is a(n):

• A. Independent professional trustee
• B. trustee who is also a member of the scheme
• C. trustee selected by the employer
• D. 20% director member of the scheme

Answer: (A)

A Pensioneer Trustee is an independent professional trustee brought in to provide unbiased governance for a Small Self-Administered Pension Scheme. In SSAS arrangements, this independence from the sponsoring employer and the scheme members is crucial to ensure decisions are made with professional pension expertise and in the members’ best interests, while maintaining regulatory compliance. Having an independent professional trustee helps guard against conflicts of interest that could arise if the trustee were a member, appointed by the employer, or a director connected to the sponsor. That’s why the description of an independent professional trustee best fits the role.