Providing full financial planning support, guidance and financial advice since 2003

Part of Quilter Financial Planning, an award winning national network of advisers

Our response to Coronavirus/Covid-19

Whilst our business remains open we have arranged for advisers and our admin team to continue to support our clients from home, with our office phone manned irregular days...

Investing Through Volatile Times

Anyone who reads the news knows that the world's economies are going through a period of uncertainty. It's natural at these times for some investors to get twitchy, which only goes to...
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 advisers 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. Financial planning 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 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…

    Lifestyle 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…

    Lifestyle 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…
    News

    Weekly Comment – David and Goliath

    Our Weekly Podcast and Market Overview from Quilter Cheviot David & Goliath By Alan McIntosh, Chief Investment Strategist “After a strong start to 2021, global equities posted a small decline for ...
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    Weekly Comment – Market Growth vs Value

    Our Weekly Podcast and Market Overview from Quilter Cheviot Market Growth vs Value By Alan McIntosh, Chief Investment Strategist “Global stock markets continued to rise last week, with the FTSE World ...
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    Weekly Comment – Market Bubbles

    Our Weekly Podcast and Market Overview from Quilter Cheviot Market Bubbles By Alan McIntosh, Chief Investment Strategist “Veteran investor Jeremy Grantham believes that the long bull market in the US has ...
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    Weekly Comment – Bittersweet Beginnings

    Our Weekly Podcast and Market Overview from Quilter Cheviot Bittersweet Beginnings By Alan McIntosh, Chief Investment Strategist “Last year closed with good news and bad news. The positives were a trade ...
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    Brexit What Happens Next Useful Links

    Brexit: What Happens Next – Useful Links The UK left the the EU on 31 January 2020, but agreed to keep many things the same until 31 December. Many aspects of ...
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    FT Advisers Annual Top 100 Financial Advisers 2020

    FT Adviser’s Annual Top 100 Financial Advisers list We’re delighted to announce that Quilter Financial Planning has achieved first place in the FTAdviser’s annual Top 100 Financial Advisers list for the second year ...
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    Rise in Financial Scams

    Rise in Financial Scams In this year of uncertainty, we urge all investors and savers to be extra vigilant when taking action to invest, save or move pension funds. Be suspicious ...
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    Weekly Comment – Optimism Abroad

    Our Weekly Podcast and Market Overview from Quilter Cheviot Optimism Abroad By Alan McIntosh, Chief Investment Strategist “Global equity markets were mostly up last week, with the US posting another series ...
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    State Pension to go up from April 2021

    State Pension to go up from April 2021 Iain Leggat writes in The Scotsman (27.11.2020): “Retired people are set for a 2.5 per cent rise in income next April, which will ...
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    Sunak Spending Review – Cut in Value of Workplace Pensions

    Millions Face Cut in Value of Workplace Pensions BBC personal finance correspondent for the BBC Kevin Peachey, writes (27.11.2020):  “Millions of retirees will see the future value of their pension cut ...
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    What our clients say
    I just wanted to offer a compliment for Gareth Blair who managed my mortgage for me. He was very helpful and professional and I received an excellent service. I would use Gareth again and would have no hesitation in recommending him to others. Please pass on my heartfelt thanks for the care and attention received.
    J. Rheade Shropshire
    Both my wife and I have pension investments with Henderson Stone/Old Mutual Wealth and over the past few years the adviser we have dealt with (John Collins) has been excellent. The home visits have always been punctual…
    Mr E Armstrong Bathgate
    Throughout our communications Mr. Collins was professional, informative, supportive and most importantly patient. Unlike previous experience of financial decision making I at no time felt pressurised into speedy choices…
    CMcC Glasgow
    We have known Colin for many years and he has consistently and diligently provided us with the right advice and information. He listened carefully to our needs and has given us excellent advice…
    Mr & Mrs Fraser North Lanarkshire
    I have known Karen Robertson for several years and she has been an invaluable resource in managing my financial affairs. I trust her to provide me with the personalised advice for my circumstances…
    G Allison Glasgow
    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
    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
    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
    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?

    Adviser working at computer - represents occupational pension transfer consultation.

    Will a pension transfer be right for you? We can help you understand the pros and cons.

    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

    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.

    We take the hassle away from business owners, accountants, bookkeepers and payroll staff.

    Contact us if you would like to re-evaluate the benefits you are providing for your employees.
    Read more on… Flexible Auto Enrolment Options
    Read more on… Know Your Employer Responsibilities

    Life Stages and Your Pension

    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 financial planning options available to you.
    Pre-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 financial planning options.
    At 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
    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 Financial Conduct Authority do not regulate auto enrolment.

    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