I work for Standard Life who have continually been mentioned by the media as a company who are questioning independence and considering moving from Scotland, and I'll be voting Yes. You have to realise this is all media spin. 90% of SL's customers are south of the border and have their policies denominated in sterling, so if an independent Scotland is not using sterling SL will be required to register some sterling denominated companies in rUK to deal with those customers. This doesn't mean the operations will move south and the board have confirmed this a number of times. The costs of moving a 5000 person operation are prohibitive. First you would need to find out who was willing to relocate and then cover their costs of doing so, then you have to pay redundancy costs to those who don't relocate and then you have to recruit replacements. No company is going to go through all that when they don't have to.
SL will still be paying Corporation Tax to a Scottish Treasury on the 10% of customers it does have here, which is roughly equivalent to what the Scottish Govt get s back from the UK Treasury now.
If you've been in Edinburgh recently you may have noticed a huge demolition site in St Andrews Square. This is a property bought by Standard Life Investments for one of its' Real Estate funds at a cost of £75m. It's going to be a mixture of retail and offices with penthouse flats on the top floor. Do you really think SL would be investing this sort of money if they thought Scotland was going to be a financial basket case?