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No 2, February 2011
Exclusive Financial Updates, News & Investment Ideas From Tower Hill Associates

A very warm welcome to the latest edition of the Tower Hill Associates' newsletter, designed to keep you up to date with investment news and the current themes in the financial planning world.

'An industry devoid of spivs and spinners? Some hope'
Recently, I must admit I gave a wry smile when this article from the quality personal finance press crossed my desk. Whilst I agree with the sentiments expressed in the article, I do wonder where financial journalists would be if they were not giving a platform to the biggest spinners!

Do take a look at Ten Golden Rules for Investment Planning which offers some sound jargon free advice from Brad Steiman and echoes our investment planning philosophy.

And finally as we approach the end of the tax year, there could be some important tax planning steps you should perhaps consider before the 5th April 2011 deadline. In the article Top Tips for Your Year End Tax Planning we outline four areas where there is potential for effective tax planning.

I do hope you find this issue of our newsletter helpful and we welcome your feedback. Please do get in touch if you have any questions or issues you wish to discuss.

All the best.

John Lang


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As an alumni of Smith and Williamson, John Lang is featured in their forthcoming newsletter Download


Ten Golden Rules for Investment Planning
Jargon free tips for you to ensure your financial health: Brad Steiman, from Dimensional Fund Advisors, gives some sound advice to ensure your financial health.
Read more


Top tips for your end of year tax planning
Now is the last opportunity to make use of your allowances, reliefs and exemptions for the current tax year - some of which will be lost if you do not take advantage of them before 5th April 2011. Here is our list of top tax planning tips.
Read more


Abolition of Annuitisation
The confirmation by the government of the 'age 75' changes, which will be introduced from 6 April 2011, has opened up two potential tax year end planning opportunities where an individual is either already taking drawdown, or is actively considering drawdown and looking to take the maximum income.
Read more

cii_logo This newsletter is provided strictly for general consideration only. No action must be taken or refrained from based on its contents alone. Accordingly no responsibility can be assumed for any loss occasioned in connection with the content hereof and any such action or inaction. Professional advice is necessary for every case