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Pension, Retirement & Investment Advice

Glasgow | Edinburgh | Scotland

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Maximising tax allowances

Are you missing out on pension tax breaks? Many are missing out on the valuable tax savings available through their pensions...

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Final salary pension transfer service

Transferring away from a pension scheme with guaranteed benefits is unlikely to be in the best interests of most people...

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Pension Advice Scotland

Your financial well-being is at the heart of our business

Pension Advice Scotland is the website for Henderson Stone Asset Management Ltd. Here to support you in investing, growing and protecting your wealth, our friendly and experienced team of financial advisers provide modern, proven pension and wealth management solutions. We offer expert financial advice and guidance in all areas of financial planning, and are especially experienced in more complex financial matters – helping clients with significant investments, final salary (defined benefit) pension transfers, as well as estate planning, intergenerational planning and business succession planning.

Our key services

Wealth Management

Securing your financial future through worldwide investment opportunities, including ethical investment options. Always tax-efficient and tailored to suit your level of risk and future goals.

Pension Advice

Whatever stage of life you’re at our experienced pension advisers work closely with you to advise on retirement options, or assist you during your retirement.

Wealth Preservation

Protecting your wealth and making sure it passes into the right hands, through estate planning, succession planning, intergenerational planning and use of trusts.

“I have been very happy with the support and advice I have received…”

Over the last 6 months I have been supported by Henderson Stone Asset Management to transfer from my defined benefit pension to a private pension. As this is a significant change I have been grateful for the time they have taken to really understand my motivations for the change and to make sure that I fully understood the pros and cons to a level of detail that allowed me to make an informed decision. The transparency of what would happen and the clarity around costs and what you were getting for your money was a refreshing change from some of the other firms I had approached prior to selecting HSAM. I have been very happy with the support and advice I have received…”

Mr I McC, Stirling

“Clear and concise advice and all worked out as they said it would…”

We wanted ideas on Inheritance Tax and Sam Henderson was very helpful in going through the options. We finally went with equity release which allowed us to free up some money for the children without diluting our cash position and free of tax transfers. HSAM were very efficient in identifying the most suitable company to deal with and in obtaining the very lowest interest rates. Clear and concise advice and all worked out as they said it would. Sam also helped park cash until Christmas in a range of bank accounts with higher interest than the norm. All went like clockwork. Thanks so much.”

Mr A.P., Hampshire


We also offer whole of market, up-to-date mortgage advice, and market-leading exclusive rates for both residential and buy-to-let lending, via the Quilter Financial Planning network.

Image representing mortgages at Pension Advice Scotland
Drawn person under umbrella representing insurance protection at Pension Advice Scotland

Personal & Business Protection

And protection… advice on fully comprehensive personal protection and business protection solutions to secure the future of your family, your company, and your staff.

Pension Transfer Gold Standard Service

Our team of pension transfer specialists have adopted the Pension Transfer Gold Standard as offered by the Personal Finance Society – part of the CII (Chartered Insurance Institute). This means we adhere to a set of principles so you can be confident you are dealing with an ethical adviser and professional advice firm that has your best interests at heart.

Pension Transfer Gold Standard logo for Pension Advice Scotland

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

Image representing financial security from Quilter Financial Planning and Pension Advice Scotland

Your peace of mind and protection

Part of Quilter Financial Planning, one of the UK’s leading financial planning networks and backed by Quilter plc, an award winning, leading provider of advice, investments and wealth management both in the UK and internationally. We offer real financial security for our clients.

Pension Advice in Scotland from Henderson Stone Asset Management

Can we help?

Call us on 0141 729 8500

Ask a question or arrange a call back from one of our advisers
An initial consultation is always at our expense*

* Any work you ask us to carry out as a result of this meeting will be fee based.

* Any work you ask us to carry out as a result of this meeting will be fee based.

The Financial Conduct Authority does not regulate taxation planning, trusts, estate planning, commercial mortgages, and most buy to let mortgages.

Tax treatment varies according to individual circumstances and is subject to change.

The value of an investment can fall as well as rise and you may get back less than you have invested.

If you take your entire pension fund early you could be financially worse off in the future.

Your home maybe repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate it will be £500.00

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The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Contact Address

Henderson Stone Asset Management Ltd
Suite 3/1, Herbert House
26 Herbert Street
Glasgow G20 6NB

0141 352 7800 | 0141 729 8500