We know: managing money involves some big decisions. But at Macbeth Scott & Co we keep things simple. Our values promote trust, transparency and professionalism as well as pride in what we do, and how we conduct business. We always offer a face-to-face consultation and if you have any questions at all, just ask. It’s as simple as that.


Why Choose Us

You are at the heart of what we do

We know that managing money can involve some big decisions. At Macbeth Scott & Co we keep things simple, providing expert advice to help you reach your financial goals.


Our Fees

Our charging structure is 100% transparent

We pride ourselves on clarity and transparency throughout our service, including all charges associated with the management of your assets so you can be sure there will be no hidden charges.


Four Steps to Success

Professional financial advice does not have to be complicated. Our aim is to make the whole process as simple and accessible as possible.



We take the time to discuss appropriate strategies for realising your financial goals.



We will gather data regarding your personal and financial circumstances and prepare our recommendations for you.



Once we have agreed a strategy, we will implement the recommendations on your behalf.



We can manage your arrangements long-term to give you peace of mind and a reliable investment strategy.


Client Stories

We help our clients through any event

Read through our stories to see how we’ve assisted our customers through difficult situations, major life changes and planning for the future.

Legal Information


Under current legislation, we do not charge VAT on our standard advice and review services. Should this change, we will inform all clients.

Cancellation rights

In most cases, you can exercise a right to cancel by withdrawing from the contract. In general terms, you will normally have a 30-day cancellation period for a life, pure protection, payment protection or pension and a 14-day cancellation period for all other policies. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information you will receive.

Client money

Macbeth Scott & Co Life and Pension Services Ltd are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash.


We will endeavour to make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. All investment documentation will be sent to you as soon as possible after we receive it. If there are several documents that relate to a series of transactions, we will normally hold each document until the series is complete and then forward them to you.


We prefer to receive instructions from our clients in writing to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions over the phone as all our telephone calls are recorded and minuted.

Occupational Pension Transfer Advice

We are not authorised to give advice on transferring any occupational pension benefits that you may have accrued during your working life. Should you wish to receive such advice we will refer you to a third party who is authorised to do so.

We will include such benefits within any financial plan/cash flow analysis that we may do for you but this will be based upon an estimate of benefits you are likely to receive – we will not obtain up to date information from the scheme each time we update the financial plan/cash flow analysis.

Please note that we do not conduct any transaction on an insistent client basis.

Material Interest

We will act honestly, fairly and professionally known as conducting business in ‘Client’s best interest’ regulations. Occasionally situations may arise where we, or one of our other clients, have some form of interest in business transacted for you. If this happens, or we become aware that our interests or those of one of our other clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.

In accordance with the rules of our regulator, The Financial Conduct Authority, we are prohibited from accepting any payment (commission or other non-monetary benefits) that is likely to conflict with the duty of the firm to its clients.


If you wish to register a complaint, please write to Macbeth Scott & Co Life and Pension Services Ltd, 3 New Road, Kendal, Cumbria, LA9 4AY or telephone 01539 727727.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £85,000.

Further information about this compensation scheme arrangement is available from the FSCS.

Data Protection

Read our full data privacy policy.

Anti-money laundering

We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business that we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose, we may conduct these checks from time to time throughout our relationship, not just at the beginning.

Let us help you plan for the future.

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© 2022

Macbeth Scott & Co Limited is authorised and regulated by the Financial Conduct Authority (FRN 303928). Registered in England and Wales Company No. 01058241 at 3 New Road, Kendal, Cumbria, LA9 4AY.

You can find Macbeth Scott & Co Limited on the FCA register at https://register.fca.org.uk/

Macbeth Scott & Co Life & Pensions Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 131459). Registered in England and Wales Company No. 01144365 at 3 New Road, Kendal, Cumbria, LA9 4AY.

You can find Macbeth Scott & Co Life and Pension Services Limited on the FCA register at https://register.fca.org.uk/


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