David Nicklin is a straight-talking SSAS consultant at Retirement Capital, one of the UK’s leading independent SSAS administrators. With a sharp eye for strategy and a strong grasp of HMRC rules, David helps business owners and their advisers harness the full power of SSAS pensions, without getting lost in jargon or red tape.

Whether it’s using pension funds to invest in commercial property, lend back to the business, or build long-term intergenerational wealth, David specialises in turning technical complexity into clear, actionable guidance. He works closely with clients, accountants, solicitors and IFAs to ensure SSAS schemes stay compliant, tax-efficient, and aligned with business goals.

At Retirement Capital (rated 5 stars by Defaqto) David plays a key role in supporting entrepreneurs who are serious about thinking beyond the obvious and taking control of their financial future.