Money management: the efficient frontier

At Macbeth Scott & Co Life Pension Service, our service is all about building and protecting your wealth in order to maximise the chances of achieving your financial goals. Our aim is to build a diverse portfolio that will position you at the efficient frontier: the point at which you receive the highest return commensurate with the level of risk you are happy to take whilst recognising tax-saving opportunities.

Savings and Investment Accounts

Utilise your tax-free savings allowance with ISAs and find out more about general investments that provide simple access and keep your money within reach.

Retirement planning

Careful retirement planning helps you to make the most of your golden years. Our specialists advise on all life stages including the most appropriate and tax-efficient method of withdrawal.

Investment bonds

Access the entire market with our open and honest approach to independent financial advice. Let us help you achieve your goals.

Flexible financial management

Today’s challenging markets mean that investors need to look for smarter ways of managing their investments. Macbeth Scott & Co Life and Pensions offers the expert advice and management that is key to securing long-term financial success.

We pride ourselves on our bespoke investment strategy tailored to your needs: we are independent so access the entire market to select funds and accounts to create a balanced and diverse portfolio. We will never put all your eggs in one basket.

We also offer online access to your portfolio, which means that you can see your accounts 24 hours a day, 7 days a week.

Because we are a small and independent business, we can respond nimbly to change. That means that changes in the market, or in your circumstances, can easily be accommodated into the strategy we have designed. You can rest assured that we will work hard to keep your money safe.

Our Service & Plan Charges

Financial advice could be cheaper than you thought


There are no hidden surprises when you work with us at Macbeth Scott & Co Life and Pensions. We always indicate fees up front and all communications are clear and jargon-free.


We will always provide an estimate of how many hours we expect work to take, and will not exceed this without checking with you first.


We will never place our interests above yours and will always act in accordance with the rules of the Financial Conduct Authority.

Know where your money is with Wrap

Unrivalled flexibility and fund selection with access to the whole market, securing your portfolio in a single, manageable account.

Discover Wrap

Other services by Macbeth Scott & Co Life and Pensions

Financial protection

Get peace of mind and protection from the unexpected.



Understand your options for the future with expert advice from Macbeth Scott & Co Life and Pensions.



Add value to your company with smart investments and employee benefits


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.