Financial Advice for Personal & Corporate Clients

Welcome to the Henderson Stone & Co Ltd website. We are one of Scotland’s largest Chartered Financial Planning firms providing financial advice to support you in planning for, achieving and maintaining financial security for yourselves and your family, as well as your business. Our clients come from many different backgrounds with significantly different needs and requirements and we pride ourselves in having the expertise to address these, irrespective of the complexity or simplicity of each case. Our mission is always the same – to create and protect clients’ personal and corporate wealth. We have offices in Glasgow, Dundee and Larbert serving clients throughout Scotland and Northern Ireland. Our fully qualified and experienced financial advisers offer specialist advice in the following areas:

 

Pension & ‘At Retirement’ Advice

Contact us for advice on new ‘pension freedoms’:

  • Freedom to access your entire Pension Fund from the age of 55.
  • Extra choices on how to receive your tax free cash and income from your fund.
  • The dramatic death benefit changes.
  • Selling your existing annuity, in payment.
  • Changes in allowances for pension contributions.
  • Making sure you have sufficient income when you stop work.

pension freedoms & at retirement
– Building your pension
– At Retirement
– Annuity Advice
– Pension Review

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

 

Workplace Pensions & Auto-Enrolment

Donna Inglis and Colin Giffen explain how we can help SMEs prepare to meet all their auto enrolment obligations.

– HS&Co Auto Enrolment Service
– Staging dates
– Obligations and fines
– Eight Step guide to auto enrolment

 

Investment Advice &
Inheritance Tax Planning

– Comprehensive saving and investment advice
– Tax advantaged investments
– Inheritance Tax Planning, Estate Planning
Use of tax efficient investments as well as trusts and gifts to save or reduce income tax, capital gains tax and inheritance tax.


Auto Enrolment Solutions

If you have pushed off your planning for auto-enrolment then the sooner you take action the better. We offer cost-effective solutions and an initial meeting at our expense along with a complimentary auto enrolment report…

AUTO ENROLMENT SERVICE OPTIONS 

Pension & Business Reviews

Important if you’ve not reviewed your arrangements for a while, and especially now after the 2015 Budget and if you are close to retirement. We offer the following;
– Personal Pension Review
– Business Review
– Workplace Pension Review

PENSION REVIEWS


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*This is a lifetime mortgage.  To understand the features and risks, ask for a personalised illustration.

The Financial Conduct Authority does not regulate taxation and trust advice, commercial mortgages and some aspects of buy to let mortgages. The value of an investment can fall as well as rise and you may get back less than you have invested. 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 £395.00

THE INFORMATION ON THIS WEBSITE IS FOR THE USE OF RESIDENTS OF THE UNITED KINGDOM ONLY. NO REPRESENTATIONS ARE MADE AS TO WHETHER THE INFORMATION IS APPLICABLE OR AVAILABLE IN ANY OTHER COUNTRY WHICH MAY HAVE ACCESS TO IT.