Embark Pensions

Embark Pensions: self-invested pensions for financial advisers

Embark Pensions is a trading name of EBS Pensions Limited and Embark Services Limited, two companies incorporated in England and Wales with their registered office at 33 Old Broad Street, London. Both are authorised and regulated by the UK Financial Conduct Authority. The firm primarily serves financial advisers and their clients, and its activity focuses on self-invested personal pensions (SIPPs).

The company is part of Embark Group, whose companies have been established in the pensions market for over forty years and work with intermediary distributors and high-net-worth clients. In January 2022, Embark became part of Lloyds Banking Group.

Two SIPP products according to client profile

Embark Pensions' range is built around two types of self-invested pension, designed for different needs:

• Option SIPP: presented as an accessible, easy-to-understand personal pension with contained costs. It provides access to standard investments through a wide panel of discretionary fund managers (DFMs), stockbrokers and platforms, as well as directly held funds.
• Full SIPP: the firm's most flexible option, aimed at clients seeking greater control over their retirement savings, broader diversification and investment flexibility, with access to the team's property expertise.

According to the company, the type of SIPP can be adapted if the client's circumstances change, so that the solution accommodates different investment needs throughout life.

Specialisation in property investment through pensions

Embark Pensions has a team dedicated to property within pension schemes. This team is presented as specialists in property acquisitions via a pension scheme and in holding property within a scheme, and oversees an extensive property portfolio.

Application process and relationship with the adviser

The firm offers an online application process designed to open the client's SIPP quickly. To proceed, it requires the adviser's firm to have signed Terms of Business in place before continuing. Embark Pensions notes that the website is primarily intended for advisers and for clients acting with their adviser, and that the information published is for guidance only, not investment advice.

Recognition and client reviews

The company highlights that Embark Pensions ranks second in the SIPP category of the UK's Top Pension Providers 2025 ranking compiled by Telegraph Money. The site also includes client testimonials mentioning the clarity and transparency of fees, efficiency in transfers, the breadth of investments accepted by the Option SIPP and the team's personal service.

Corporate structure and regulation

EBS Pensions Limited, company number 00998606, is authorised and regulated by the Financial Conduct Authority with financial services register number 134908. Embark Services Limited, company number 02089815, is authorised and regulated by the FCA under register number 120820. Both share the same registered office in London.

Location and contact

33 Old Broad Street, London, EC2N 1HZ