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 a range of areas within financial planning, and are especially experienced in more complex financial matters – for example, helping clients with significant investments, support with 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
Monthly Market Commentary – August 2026
Global stock markets drifted lower in July, with the MSCI AC World Index declining 1.5%… Read more…
Monthly Market Commentary – July 2026
Global stock markets rose once more in June, leaving the MSCI All Country World Index with a substantial 14.8% quarterly return… Read more…
Monthly Market Commentary – September 2025
Global stock markets recovered from some early-month weakness to finish August slightly higher… 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 Transfers
We no longer offer final salary pension transfer advice but we do offer some general advice along with a useful Pension Transfer Self Triage Client Guide. We can also refer you to a suitably qualified pension transfer adviser within the Quilter network.
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, succession planning 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.
