About us
Henderson Stone Asset Management Ltd was set-up in 2018 to provide the highest standards of financial advice and to complement services offered through our sister firm Henderson Stone & Co Ltd.
With a head office in Glasgow, we offer comprehensive pension and investment advice throughout Scotland and the UK. Our experienced advisers offer face to face, online, or over the ‘phone meetings and are backed up by a dedicated support team, ensuring our clients enjoy a friendly, personalised service.
All advisers at Henderson Stone Asset Management participate in a programme of continuing professional development through our Friday Training & Development meetings.
Sonia Lyons heads up our friendly support team in the office
Part of Quilter Plc
Henderson Stone Asset Management is a member of Quilter Financial Planning, an award winning UK advice network and part of Quilter plc, one of the leading providers of advice, investments and wealth management both in the UK and internationally. Quilter Plc manage £101.9 billion of investments (as at 31.03.2023) and is listed on the London and Johannesburg stock exchanges.
Quilter is listed in the 2022 FT Adviser’s Top 100 Financial Advisers Awards. Find out more about Quilter at www.quilter.com.
Our Team
Sam Henderson
Chartered Financial Planner
Sam is a Chartered Financial Planner (CII) with more than 40 years in financial services and heads up Henderson Stone Asset Management. His roles range from advising private and corporate clients to training and developing advisers.
Since ‘pension freedoms’ Sam has specialised in advising clients on planning for their retirement or reducing the number of hours they wish to work, with special emphasis on final salary transfer advice. This often blends into his other major area of focus which is IHT planning across generations for both business owners and private clients in Scotland, England, Wales and Northern Ireland. Sam is also founder and Director of Henderson Stone & Co Ltd.
Bill McCowie
Chartered Financial Planner
Bill is a Chartered Financial Planner (CII) and Fellow of the Personal Finance Society. He has over 30 years’ experience in the financial services industry helping clients to manage their wealth and make the right decisions regarding their financial future.
Bill specialises in final salary pension transfers as well as full retirement planning advice (particularly at or near retirement) where the focus is on preserving wealth, inheritance tax (IHT) planning, trustee advice, investments and long term care planning. His clients include high-net worth individuals, lottery winners, small business owners and entrepreneurs.
David Rafferty
Financial Adviser
David is one of our experienced financial advisers working with Henderson Stone Asset Management. He offers financial planning advice on most aspects of pensions and investments**.
Brian Sweeney
Financial Adviser
Brian is one of our experienced financial advisers working with Henderson Stone Asset Management. He offers financial planning advice on most aspects of pensions and investments**.
Steven Oliver
Financial Planner
Steven is based in Edinburgh and has worked in Financial Services since 1995. He offers financial planning advice on most aspects of pensions and investments**.
Specific skills include:
• Investment and pre-retirement planning
• Near and post retirement planning
• Pension tax planning calculations/tapered annual allowance/ lifetime allowance
• Pension retirement shortfall calculations
• Inheritance taxation
Away from work his interests include Angling and Fly Tying and he is a Member of the Malleny Angling Association. In his spare time he enjoys Fly Fishing at various locations throughout Scotland.
Seb Szulc
Financial Planner
Seb is based in Glasgow and has worked in Financial Services as a Financial Adviser since 2008. He offers financial planning advice on most aspects of pensions and investments**.
Specific skills include:
• Investment and pre-retirement planning
• Near and post retirement planning
• Addressing complex protection needs
• Personal taxation self-assessment
• Inheritance tax planning and trusts
Away from work his interests include hiking and local voluntary work.
The value of pensions and the income they produce can fall as well as rise, you may get back less than you invested.
Transferring out of a final salary pension is unlikely to be in the best interests of most people.
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
** Brian, David, Steven and Seb do not personally advise on final salary (defined benefit) pension transfers
The value of pensions and the income they produce can fall as well as rise, you may get back less than you invested.
Transferring out of a final salary pension is unlikely to be in the best interests of most people.
The Financial Conduct Authority does not regulate taxation planning, trusts, estate planning and inheritance tax planning.
