As a business owner, there are lots of options available to find a pension scheme for you that will ensure the maximum tax efficiency and most advantageous investment strategy. The team at Macbeth Scott & Co Life and Pension Services has particular expertise in guiding executives through the pensions maze to ensure we find the best solutions.




SSASs (Small Self-Administered Pension Schemes) are usually set up to provide the director and/or senior staff with retirement benefits. There are usually a small number of members and each of them has a share of the funds. SSASs give their members considerable control and flexibility over the investment policy and assets, but the main difference is that the pension can loan money to, or invest in the business.


A SIPP (Self-Invested Personal Pension) also offers greater control over investments, but this is a personal plan owned by the director rather than an occupational scheme owned by the business. With a SIPP you can invest in stocks and shares (UK and overseas), collective investments (such as OEICs and Unit Trusts) and investment trusts. You can also use pension monies to purchase commercial property, such as the premises you work from – your pension can collect rental income from your business.

SIPPs are not only flexible but also portable, so if you change jobs or even stop working, the pension can move with you.

To understand the full advantages of each of these options, talk to one of our advisers today.

Macbeth Scott & Co Life and Pension Services Limited is authorised and regulated by the Financial Conduct Authority.   You can find Macbeth Scott & Co Life and Pension Services Limited on the FCA register at

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.  The FCA does not regulate tax or estate planning.  Please note that the value of investments may go down as well as up and investors may get back less than they invest.  Where these pages refer to investment performance it should be remembered that past performance is not a reliable indicator of future performance.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.  Full details can be found at

Macbeth Scott & Co Life and Pension Services Limited is registered in England & Wales. Company number: 01144365. Registered Office: 3 New Road, Kendal, Cumbria, LA9 4AY.