Pension, Retirement & Investment Advice
Glasgow | Edinburgh | 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.

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.
Testimonials
“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
Read more client testimonials here
Insights and commentary
Between the lines – September 2023
All investors use insights, trends, and data from across the globe to help them make decisions. Our regular ‘Between the Lines’ communication from Quilter Investors… Read more…
Market Commentary – August 2023
Our monthly market commentary from Quilter Cheviot. August marked the first monthly decline for global stock markets since February… Read more…
Economic Review of August 2023
Our monthly economic review from Quilter Financial Planning is intended to provide background to recent developments in investment markets as well as to give an indication of how some key issues could impact in the future… Read more…
Read more insights and commentary here

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
We have adopted the The Gold Standard voluntary code of good practice for Safeguarded and Defined Benefit Pension Transfer advice, as defined and created by the Personal Finance Society. By adopting and promoting this standard you can be confident we are going beyond minimum requirements when giving financial advice and a personal recommendation as to whether to transfer your pension.

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

Your peace of mind and protection
We are 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.
How can we help?
Ask a question or arrange a call back from one of our advisers
An initial consultation is always at our expense*
0141 729 8500
* 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, or estate planning.
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.