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How to optimise your pension for self employed professionals. By convention many professionals such as doctors, solicitors, barristers and accountants are obliged to receive their income on on a self employed basis. Whilst it may be possible to incorporate certain support functions within a practice, for the most part, income must be received directly by the individual and they can not operate through a company structure. This can prove somewhat restrictive when it comes to making pension contributions as you are precluded from using certain pension structures in particular a Small Self Administered Pension (SSAP) which are generally a very attractive pension structure for high earners. Howe