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Henderson Stone Asset Management

McCafferty House, 99 Firhill Road
Glasgow, G20 7BE

0141 352 780

 

 

Personalised Pension & Investment Management Services

Henderson Stone Asset Management offer professional pension and investment advice to both company employers and defined benefit pension scheme Trustees. We also advise on the benefits and risks of pension transfers, a very topical subject since Pension Freedoms. All our advice is delivered in plain language with a clear focus on client care.

 

  Pension & Investment Management For Employer

Many private, public and third sector employers have defined benefit pension schemes (also known as final salary pension schemes) which are becoming increasingly burdensome and often a significant financial challenge for the company's board of directors. Working alongside the scheme Trustees we can help such employers understand the risks and costs associated with running these schemes and the options available to manage and control them.  

With the objectives of the employer in mind, specific options can be identified and decisions and their implications examined, enabling informed choices to be made. There are several areas where both the employer and scheme trustees can use professional pensions advice and insight to ensure:

  • The scheme's operation and oversight are consistent with the governance expectations of the Pensions Regulator.
  • The scheme's service providers (actuarial/administrators/auditors) are cost competitive.
  • Where appropriate, the scheme's investment portfolio properly reflects the risk appetite of the employer and trustees and the sensitivity of the scheme's liabilities to market, inflation and interest rate risk.

 

  Occupational Pension Transfers For Employees

For individual employees considering their options since ‘Pension Freedoms’, we offer guidance and advice on the risks and benefits of transferring their defined benefit pension into a personal pension (SIPP).  

 

Transferring out of a defined benefit pension is unlikely to be in the best interests of most people.

The value of pensions and the income they produce can fall as well as rise, you may get back less than you invested.

By transferring out of a defined benefit pension you will be giving up all of the guarantees and taking on the investment risk yourself.

 

 

  Retirement Planning Seminars

As a service for your employees we are also able to organise a Retirement Planning Seminar to include guidance on pensions and pension transfers. This can be tailored to the attendees to potentially include investments and IHT planning.

 

  Expert Witness Service

We accept expert witness instructions on a variety of areas related to Financial Services advice.

 

 

A no-obligation initial meeting is always at our expense

0141 352 7800

 

 

The Financial Conduct Authority does not regulate taxation, trust advice and inheritance tax planning.

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

Henderson Stone Asset Management Ltd is an appointed representative of CAERUS Financial Limited which is authorised and regulated by the Financial Conduct Authority.

Henderson Stone Asset Management, McCafferty House, 99 Firhill Road, Glasgow G20 7BE

0141 352 7800 ǀ Samh@hendersonstone.co.uk


 

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