Investments

Short to mid-term saving solutions for specific goals, or long-term investments as part of your retirement plan

Creating, protecting and growing your wealth

We offer flexible, modern products and investment solutions through our partnership with the award winning network, Quilter Financial Planning and Quilter Plc (Quilter).

The right investment proposition is essential to power your financial plans. Through Quilter we offer a comprehensive range of portfolios and funds designed to help grow your wealth.

Whether you’re looking to grow your wealth, generate an income, or even both, Quilter offer tax-efficient investment products, access to a wide range of investment funds and expert advice to help secure your financial future.

For those investors who want an investment strategy incorporating environmental, social and governance (ESG) factors, our investment panel make responsible investment easier. All Quilter’s Investment Matrix solutions now include an independent ESG assessment.

We work with you to understand your future goals and your needs and requirements, before offering an investment strategy aligned with your risk appetite and long-term goals.

Where we can help

Full evaluation and fact find of your current situation

Evaluation of your attitude to risk

Understanding your capacity for risk versus your need to take risk
Award winning investment platform
A flexible approach to finding the right solutions

Choice of SIPP providers

Understanding your tax position for tax relief and allowance entitlements
ISAs***
EIS, SEIS and VCTs*
Through the Quilter investment panel we offer a wide range of multi-asset passive, single and multi-manager funds
Discretionary fund management**
Responsible Investment options

*These types of investments are only suited to a limited number of people. The availability of some investments does vary throughout the year. Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS) invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies.

** Henderson Stone and Quilter Financial Planning do not offer Discretionary Fund Management directly, this is offered through our partnerships with Quilter, Rathbones and LGT Vestra.

*** For ISAs, investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Tax treatment varies according to individual circumstances and is subject to change.

Whilst our restricted panel is designed to cover the majority of needs, there are some occasions when a suitable solution cannot be met through the panel. In this instance we do have the option to conduct additional research and go “off panel” to search the broader market for an appropriate solution.

Guide to Investing brochure

This covers key factors to consider when investing, understanding risk, diversification, asset allocation and fund types.

Click here to read or download

Responsible Investment

Do you wish to align your investments with your environmental and social values?

There is no such thing as ‘business as usual’ anymore. In recent years, climate change, sustainability and good governance have risen to be at the heart of current financial services policy making and regulation. What was once only a niche approach is becoming more relevant, not only to investors but also businesses no longer able to ignore their ESG rating

Most people are beginning to understand that climate change, biodiversity loss, water crises and social inequality will likely become more profound in the coming decades. Increasing concern is translating into a significant growth in responsible, sustainable and impact investment, where investors look to invest in companies that work on having a positive impact on society and the natural world.

Where we can help

All Quilter’s Investment Matrix Solutions now have independent ESG assessments

For investors who want to place strict exclusions on their investments, Quilter’s investment panel uses negative and positive screening on all ethical investment offering. 

Responsible investment and ESG dedicated fund options, offering investment in growing businesses involved in sustainability and environmental technologies. 
Positive Change Investment Strategy: A discretionary investment strategy* for clients who would like ESG considerations to be a key driver of their investment selection.

Responsible investment made easier factsheet

This covers key factors to consider when investing, understanding risk, diversification, asset allocation and fund types.

Click here to read or download ‘Responsible investment made easier factsheet’

Ethical Investment

Ethical investment is available to clients through Quilter Cheviot’s Discretionary Portfolio Service*. Ethical investments traditionally focused on excluding companies from your investment portfolio whose activities conflict with your own ethical standpoint. Examples of commonly excluded sectors would be, tobacco, arms, gambling and alcohol, but this has now grown to include more environmental and social aspects such as, animal testing and welfare issues, negative corporate governance, human rights, nuclear and pollution. There is now also an inclusive element to investment criteria whereby investment managers seek out companies with positive environmental and social attributes, so ethical funds can now reflect a range of approaches from purely exclusive to purely engagement. We recognise also these are all very personal choices, so we don’t take a one-size-fits-all approach.

Our advisers take into account your social, ethical and environmental priorities, screening out sectors and companies you may want to avoid, and including those you want to include that focus on positive criteria.

All Quilter’s investment matrix solutions now have independent ESG assessment ratings

* Henderson Stone and Quilter Financial Planning do not offer Discretionary Fund Management directly, this is offered through our partnerships with Quilter Cheviot, Rathbones and LGT Vestra.

The value of an investment can fall as well as rise and you may get back less than you have invested.

Environmental, Social, Governance (ESG) Assessments

Our clients are increasingly concerned about climate change, social responsibility and other environmental, social and governance (ESG) related issues, and wanting to align their investments more closely with their values. To help make responsible investment easier, all Quilter’s multi-asset portfolios now receive two ESG integration assessments from independent research and consultancy firm, Square Mile. 

At a company level – the first assessment measures ESG integration at a company level, this indicates how far along the journey of ESG integration the company is, and how committed it is to future improvement.

At fund level – the second assessment measures ESG at a portfolio level and highlights how much the manager uses ESG as an integrated part of their investment process.

The assessments range from 0 for no ESG integration, to 0+, 1, 1+, 2, 2+ and 3, the top ranking for ESG integration.

ESG ratings – where we can help

Make you aware of the ESG ratings of each of the investment solutions we recommend to you from our investment panel
Work with you to understand your ESG requirements, using ESG ratings to help refine the recommendations we make
Work with you to understand how you want your portfolio to reflect ESG factors and your personal values

Investing in Uncertain Times

Helping you invest in volatile and uncertain times

The current economic conditions present financial challenges, however history shows that getting financial advice and investing with a long-term outlook is key to achieving your financial goals.

Our downloadable brochure from Quilter Investors contains a three step plan for investing, along with some helpful charts and diagrams demonstrating the benefits and advantages of a long-term, diversified approach.

Click here to read ‘Investing in Uncertain Times’

Useful Links

A glossary from Quilter to help you understand more about some of the terms used to describe responsible investment.

…approachable, friendly, patient and very professional at all times…

“Henderson Stone, and in particular my advisor, Kieran McKillop are a pleasure to work with. In my previous capacity as a Senior Administrator with a 3rd party pensions administrator, I had previously dealt with Kieran and had always found him to be approachable, friendly, patient and very professional at all times. As such, when the time had come to look at my own pension benefits as I wished to take early retirement, I had no hesitation in approaching Kieran to act as my advisor. His help and professional guidance have been invaluable and I would have no hesitation in recommending Kieran/Henderson Stone to anyone…”

Jim H. Ayrshire

Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS) invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies.

The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Taxation advice is not regulated by the Financial Conduct Authority.

Contact Form

Book a free initial consultation*, ask a question or request a call back. Call us on 0141 352 7800 or fill in the form below.

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

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