Financial Planning Advice

Providing financial planning support, guidance and financial advice since 2002
Your support team for
creating the lifestyle you want
Whether you run a business, are self-employed or work for a company, as experienced Financial Planners we are here to support you in achieving, growing and maintaining financial security for yourself, your business and your family.

We do this by understanding your goals in life, where you want to be, how you want to live now and what is important to you. We can help develop a financial plan that takes into consideration your current situation and gives you the freedom and choice necessary for you to work towards your goals. We understand you want to work hard whilst you can, save for when you plan to stop work, as well as enjoy your free-time and family whilst you do so.

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.

If you would like to arrange a no-obligation initial meeting* with one of our advisers just call us on either our Glasgow or Dundee number above or fill out the form on the right and we’ll be in touch with you shortly.

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

Ask a question or request a no-obligation initial consultation at our expense*

Private Clients
Happy family walk along beach to represent secure future through financial planning using Chartered Financial Planners.

Full financial planning support for those who are employed, self-employed or who run their own business…

Financial Planning…
Business Owners

Business owner looking at computer happy he is supported by his Chartered Financial Planners.

Comprehensive financial planning support for business owners, company directors and senior executives looking for efficient problem solving…

Financial Planning for Business Owners… 
Professional Partners
Business men shaking hands to represent chartered financial planners working alongside professional partners.

We complement and support accountants and solicitors in areas such as workplace pensions, pension splitting, business owner exit strategies…

Professional Partnerships…
What our clients say
Ali Tod of Henderson Stone arranged our equity release. The professional service was excellent. We were fully informed at all times in the process with clear explanations of necessary procedures. All delivered in a warm, friendly manner. Highly recommended.
DF Edinburgh
I just want to say thank you for the advice you (Ian Webster) have given me, and your continued support throughout. Your advice has proven to be invaluable and helped ease my financial pressures whilst dealing with my illness. The service provided is first class with an individualized touch which makes all the difference for me and you are only a phone…
Miss N Dundee
Scott Fyffe helped me make a life changing decision last year when I was considering transferring my Occupational Pension. Scott went through the options in great detail and his knowledge and understanding of pensions/financial systems is second to none. I was so impressed with the service I received I recommended Scott to some of my work…  
Mr S Dundee
After careful consideration, I have decided to take your advice and leave my pension where it is till my 60th birthday. I thank you very much for your help. I will pass on your company to my friends and family. I have found you (Scott Fyffe) to be very professional and easy to understand. I thank you again.
Louise Mcgurk Dundee
Since placing my pension and personal financial arrangements in the hands of Henderson Stone, what previously to me was a dark art is now something I hardly have to think about. With sound and informed advice from Kieran McKillop, I have been able realistically to bring forward my intended retirement…
Peter Macintosh Perthshire
Having had a very mixed bag in the past in regards to financial advisers, it was a refreshing change to have Erin and Scott deal with my affairs. All advice/fees were clearly explained and meetings were not rushed. Erin took questions/queries out of hours if required, often answering questions…
Mr B Blairgowrie
Scott Fyffe (Henderson Stone & Co Ltd in Dundee) has helped us tremendously with our financial planning and is a delight to deal with. We both find Henderson Stone very professional, informative and helpful.
Mr & Mrs S Brechin
I have received financial advice from Sebastian Szulc, and would highly recommend him. I am new to this and Sebastian has been very helpful in assisting me to get the best investment for my needs…
Mrs M Orkney Islands
We have had the pleasure of dealing with Henderson Stone (workplace pensions), finding them proactive in their approach to dealing with issues raised by my clients. I have been delighted with their feedback on the professionalism they display whilst making the implementation of workplace pensions…
Andrew Steel, Chartered Accountant William Duncan (UK) Ltd
Sam Henderson and Henderson Stone as financial advisers have been providing me with reliable advice for both my family and businesses since the 1970’s. I wouldn’t hesitate to recommend them to any owner managed firm who needs a professional and trustworthy service.
Frank Ryan, Managing Director (Retired) Kensington Car Rentals Ltd, London
Just a note from the Congregational Board at Springburn Parish Church for all your help and assistance with setting up the People’s Pension for us recently. Thanks for all that you have done and the time taken to do so.
Douglas Lyon, Clerk Springburn Parish Church Congregational Board
We have recently started a pension scheme for employees and Henderson Stone were extremely helpful in setting things up. They were readily available to answer any questions from either myself or members of staff. They were thorough in the advice they gave to the staff and have continued to offer…
Stewart Langston, Director Tywyn Dental Practice Ltd, Wales
Henderson Stone are a pleasure to work with. Their friendly, professional advisors make the complexities of auto-enrolment seem simple. It felt like we were in a safe pair of hands and our company pension was set-up quickly and easily.
Anne Ward, Managing Director The Newspaper Club, Glasgow
I run a growing enterprise that needs its advisors to act with pace… Henderson Stone did exactly that. Easy to deal with advisors who executed competently to provide a seamless service for our Auto-Enrolment pension provision. In particular, Colin Giffen was attentive to detail, while proactive in…
Jim Duffy, CEO Entrepreneurial Spark, Glasgow
Read all testimonials 
 

Defined Benefit Pension Advice

Would you benefit from a pension transfer?
If you are considering a Defined Benefit pension transfer (also known as a DB Pension Transfer, final salary pension transfer and Occupational Pension transfer) we can help you understand the advantages and disadvantages

Whether a pension transfer is suitable or not will depend on your individual circumstances and objectives.
Since the introduction of pension freedoms there are more flexible options available for income and substantially improved death benefits for some – however you could be giving up a guaranteed index-linked pension if you do transfer. Capital at risk, investments can go down as well as up.

Our pension transfer specialists provide advice on Defined Benefit pension transfers.
They offer a full professional appraisal so you can make an informed choice.

Transferring out of a Defined Benefit pension scheme is unlikely to be in the best interests of most people.

Call us on 0141 352 7800 for no-cost guidance over the telephone or to arrange an initial meeting at our expense*

Read more on… Defined Benefit Pension Transfers
Read more on… Defined Benefit Pension Transfer Benefits & Risks
Auto Enrolment
Cost-effective solutions for small to medium sized businesses
Save time, resources and costly mistakes
We provide a cost-effective and straight forward workplace pension service tailored to suit your business. Our friendly and professional advisers offer flexible solutions that can be tailored to suit you and your business with as much or as little ongoing support as you require.

Contact us if you would like to re-evaluate the benefits you are providing for your employees.

Flexible Auto Enrolment Options

Know Your Employer Responsibilities
 
Life Stages and Your Pension
Pre Retirement
Retirement could be a long way off or it may be just around the corner.
Whatever stage you’re at we can ensure you are aware of all the options available to you.
Pre-retirement…
At Retirement
There are plenty of decisions to be made leading up to retirement and your choices could have a big impact on your future lifestyle. We can help support you in deciding what you want to do as well as explaining all your options.
At Retirement…
In Retirement
You may be semi-retired, fully retired, still active, slowing down or in later years. As we move through retirement our objectives can change, we’ve outlined areas in which you may need support.
In Retirement…
Do you have a question? Call 0141 352 7800 and ask to speak with one of our advisers
News & Blog

Weekly Economic & Market Commentary – 20.08.2019

Our Brief Weekly Economic and World Markets Overview from Quilter Cheviot MARKET & ECONOMIC UPDATE by Alan McIntosh, Chief Investment Strategist & Richard Carter, Head of Fixed Interest Research “Thin summer ...
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Weekly Economic & Market Commentary – 12.08.2019

Our Brief Weekly Economic and World Markets Overview from Quilter Cheviot WORLD MARKET OVERVIEW by Chris Beckett, Head of Equity Research “The increased chance of a ‘double no deal’ scenario – ...
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Between The Lines – Week 32

Multi-asset investment thinking from the Quilter Investors team. Weekly investment news and commentary. In this week’s issue; All that glitters: gold passed through the $1,500 mark in recent times to hit ...
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Weekly Economic & Market Commentary -18.07.2019

Our Brief Weekly Economic and World Markets Overview from Quilter Cheviot by Chris Beckett, Head of Equity Research WORLD MARKET OVERVIEW “US equity markets reached new all-time highs last week – ...
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Quilter Cheviot Weekly Comment – 24.06.2019

Our Brief Weekly Economic and World Markets Overview from Quilter Cheviot MARKET OVERVIEW by Alan McIntosh, Chief Investment Strategist “Last week was quite an extraordinary one, even for markets which rarely ...
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Between The Lines – Week 24

Multi-asset investment thinking from the Quilter Investors team. Weekly investment news and commentary. This issue; Living on a cloud? Global emissions see biggest jump in seven years Mexican standoff averted Salesforce ...
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Quilter Cheviot Weekly Comment – 03.06.2019

Our Brief Weekly Economic and World Markets Overview from Quilter Cheviot MARKET OVERVIEW by Alan McIntosh, Chief Investment Strategist “We are in a quiet period for company news as we enter ...
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Quilter Cheviot Weekly Comment – 21.05.19

MARKET OVERVIEW by Alan McIntosh, Chief Investment Strategist The failure of talks between Labour and the Conservatives around a commonly agreed solution to the Brexit impasse was probably not such a ...
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Lending Money to Your Family – How to do it Right

Rising property prices relative to incomes have made it increasingly hard for young adults to raise a deposit for their first home. Unsurprisingly, research shows that the Bank of Mum and ...
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New Hope for Payment Scam Victims

From the end of May 2019 a new voluntary code of good practice comes into effect offering genuine victims of complex bank scams more chance of reimbursement. Moneywise magazine looks into ...
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Financial Guides & Factsheets

A Guide to Investment Platforms 

Auto Enrolment Explained

Guide to Our Services

Professional Financial Advice

Your Financial Life Stages – How We Can Help

A Guide To Investing

A Guide To Retirement

Guide to our Protection Services

About Our Ongoing Services

Guide to our Mortgage & Protection Services
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.

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