Real clients, real testimonials

What Our Clients Say

…no hesitation in recommending Kieran from Henderson Stone for any aspect of pension and retirement advice.

As part of my retirement plans I had invested in a building site and full planning permission for a new build, downsized house. However a year ago I found myself out of work and with little prospect of securing a similarly salaried position. So I began looking at my pensions to see if they could provide me with the means to build a new house and also an income to maintain a reasonable lifestyle should I need to semi retire / retire

I had two main pensions; a Defined Benefits (DB) scheme still in place from a previous employer and a Personal Pension (PP) that I had set up some 15 years ago on financial advice to transfer out of another previous employer’s DB scheme. I had previous experience of transferring a DB pension into a Personal Pension and was very aware of the pros and cons of doing so.

Financial flexibility was fundamental for me, something that a PP can provide more so than a DB scheme, so I secured a Cash Transfer Value (CTV) for my remaining DB scheme. On receipt of the CTV it was obvious to me that transferring it into a PP was by far the best option for me in my circumstances and into the future.

I contacted my own IFA and was informed that legislation around DB pension transfers had just changed a few months previously and that it was now an expensive and very lengthy process that had to be done through an adviser accredited to advise on DB pensions. Having spoken to several accredited IFAs, I opted for Henderson Stone as they had an Advisor near by that I could meet with personally and who I felt would naturally be more in tune with my circumstances and retirement plans. Also, Henderson Stone were amongst the most competitive on cost.

My experience with Kieran McKillop, my Henderson Stone Advisor, was extremely good. Being local, he really understood my circumstances and my semi retirement / retirement options and goals. He invested significant time with me to discuss my plans and options and to make sure that I understood the advice process. Kieran ensured that t’s were crossed and i’s dotted within the timeframe allowed in the advice process.

The end result was the right one for me and I would have no hesitation in recommending Kieran from Henderson Stone for any aspect of pension and retirement advice.

Mr D.B.

northern ireland

…you have done a great job [Gareth] – thanks. I have to say your focus, attention to detail and in particular your communication was second to none. At no stage in the process was I “left wondering” and always felt you were on top of any issues.

Mr t.s.


My wife and I have got to know Hugh O’Hear, from Henderson Stone, over the past several years. We’ve both found Hugh approachable and incredibly friendly. Hugh is thoroughly professional, extremely knowledgeable, very reliable and utterly trustworthy. He keeps us regularly up to date with all aspects of business. Hugh is an asset to Henderson Stone and we wouldn’t hesitate to recommend him. Thanks Hugh. Thanks Henderson Stone

Mr & mrs b.


We understand how busy everyone is these days, so we are always very grateful when a client takes the time to write us a review. 

…thank you for all the very helpful assistance…

Colin, I would like to say thank you for all the very helpful assistance you have given me over the last four years which I appreciate very much. Your financial advice and one to one talks have been a great help to me. I found them to be quite relaxing and you personally, easy to deal with. I have gained very much financially from your help which I know would not have happened with a bank. Thanking you in appreciation.

Mr w

east kilbride

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.



Thanks to Henderson Stone and in particular John Collins. He was brilliant throughout, willing to listen and explain through stuff in simple terms. He has a very personable nature and always goes the extra mile including answering all of our many questions. Thank you so much John!

Mr l.w.


…professional, informative, supportive and most importantly patient…

After spending a few weeks reviewing the various options for improving the security and returns on my savings I was totally bewildered. A friend recommended that I meet with a financial adviser and introduced me to John Collins from Henderson Stone. Following a relaxed and full discussion about my financial position and requirements he provided me with a range of alternative options to consider. They were all fully explained in Plain English that I could understand and my questions were answered in a similar straight forward manner. I had time to think through all that was discussed before our next meeting. I did decide to accept some of his proposals and the decisions were implemented smoothly and quickly. 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.

C. Mcc.


…I wouldn’t hesitate to recommend them to any owner managed firm…

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.

Mr F.R. (managing director – retired)


Thank you… for your time, your insight and your expertise…

“A requirement of my ex employer to transfer my pension was that I seek IFA. I found Henderson Stone on the government pension website and decided to call them. The best call I have made in (re) assessing my options for making the pension transfer. The information I was given made me entirely rethink how I should manage the way I access my old employer pension. Thank you again for your time, your insight and your expertise.”



…sound and informed advice…their product and market knowledge has been invaluable…

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 by around 4 years. Their product and market knowledge has been invaluable in helping me choose the correct options for my circumstances and aspirations, resulting in a reliable and stable portfolio to see my family through to my retirement and beyond. I have no hesitation in recommending them to any individual who, like me, needs to be shown the way in this often bewildering world of personal finance.



Henderson Stone are a pleasure to work with…”

“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.



…the adviser we have dealt with has been excellent…

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 and well received. With recent world events our communication has been by e-mail and telephone with no issue or delay.

mr e.a.


…very clear and concise on risk and reward…

Hugh O’Hear of Henderson & Stone was extremely helpful at a very important time in my life. I needed help and advice in regards to a decision with my pension. Hugh guided me through all of my options and was very clear and concise on risk and reward. It was the most important signature of my life when I decided to transfer to H&S but one that I haven’t regretted given that I retired at 55 because of it. It was pivotal but one I don’t think I could’ve made without the trust and security I felt from Hugh. Even when the world was falling apart in 2020 he helped me through the panic and worry and I am pleased I listened to him as the damaged has been repaired. Thanks Hugh for all your continued help.



…Easy to deal with advisors who executed competently…

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 communications, always mindful of the customer.

j.d. (CEO)


…I have no hesitation in recommending his services to family and friends…

I have been dealing with John for many years and have found him very helpful and informative in all aspects of my pension and insurance needs. I recently had an insurance claim due to illness and he was there every step of the way until completion which meant I could concentrate on my treatment without being overwelmed with forms and paperwork. I have no hesitation in recommending his services to family and friends.

mr j. mck.


…very helpful…I had the time to read and ask any questions..”

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. He has done so by explaining to me what investments are about and how best he can help. He gave me an assessment to find what I was looking for, then gave me the papers to take away so I had time to read and ask any questions to him or to the company Henderson Stone before committing myself. I have found him very helpful with his knowledge of finances and help in explaining them to me. He updates me regularly on my investment and makes sure I’m happy with the outcome.

mrs m.

orkney islands

…his advice has been invaluable, especially in such uncertain times…

I would like to say a big thank you to Kieran McKillop and the team at Henderson Stone. Kieran has been my Financial Adviser for approximately 5yrs and his advice has been invaluable, especially in such uncertain times, he listens to my concerns regarding risk and advises accordingly in a way you actually understand so you can make a informed decision, and I very pleased to say all my investment are doing extremely well. I look forward to working with Kieran in the future as I start to plan for my family’s future, as I know they will be in safe hands, thanks again Kieran for doing such a wonderful job


south ayrshire

…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.


Extremely helpful…thorough in the advice they gave to the staff…”

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 advice even after the scheme has been running for some time. I wouldn’t hesitate to recommend them to other businesses.

mr s.l.


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