Q. What does this mark indicate?
Tower Hill Associates Limited is one of the few firms in the UK (around 380) to be awarded the prestigious title “Chartered Financial Planners” by the Chartered Insurance Institute (CII). Chartered status is the gold standard of what is generally accepted as a new emerging profession and is only awarded to firms with a commitment to developing and maintaining the knowledge and capability of their people. It also signifies adherence to a demanding code of ethical practice.

Q. What is a Certified Financial Planner (CFP) professional?
John Lang, Principal at Tower Hill Associates Limited is a CFPCM professional. There are over 118,000 CFP professionals worldwide who have completed a high level qualification so you can be sure you are receiving advice from someone who has been appropriately tested on their financial knowledge and planning skills. The Institute of Financial Planning (the UK licensing authority for the CFP marks in the United Kingdom, through agreement with Financial Planning Standards Board) knows that it is most important that your Financial Planner is someone that you can trust. They make sure that all UK CFP professionals keep up to date by completing ongoing professional development activities to maintain and develop their knowledge and skills. Take a look at this video clip to see the standards and scope of CFP professionals, the mark of excellence in Financial Planning around the globe.

Q. In what ways are you different from other advisors?
You can rest assured that our advice is always impartial. Our fees are transparent and clearly outlined in advance. Generally, we do not receive commission. However, your account will be credited with any commissions that are earned, when implementing your financial plan.

Q. Why choose Tower Hill Associates?
We are a growing organisation that prides itself on offering a genuine, personal service – see what our Clients say about us. As only one of around 380 Chartered Financial Planners in the UK, we work hard to offer high quality, independent advice that is specific to you and your aspirations.

Q. How safe is my money?
Tower Hill Associates does not hold client money. Your investment portfolio will be held by an independent portfolio administration service which segregates client money, so you can rest assured that your money and assets are secure.

Q. How do I know it is a good time to invest in the stock market?
There are bound to be peaks and troughs in the stock market, and research has shown that nobody achieves long term success through market timing. Strategic Asset allocation has an overwhelming influence on the variation in investment returns which is why Tower Hill Associates concentrates on this aspect creating enhanced index tracking portfolios with better risk adjusted returns.

Q. Do you have minimum client criteria?
No, however we feel that you will benefit most from our expert financial planning advice, if you have investible assets, including your pension funds, of more than £250,000 or an annual household income of at least £250,000.

Q. I have a mixture of investments and work benefits – can you unravel it all for me and help me plan for my future.
As an intrinsic part of your financial plan, we will look in detail at your existing pensions, investments, insurance policies and tax situation. We will highlight the strengths of your current situation, and where we would recommend change.

Q. I am recently divorced and could really do with some independent advice to plan my financial future. Can you help?
Obtaining independent advice, when your personal circumstances change is essential. Developing a financial plan, that reviews your current situation, your income, investments, pension and insurance policies and your future strategy can be reassuring. Our advice is always impartial, as we only work on a fee basis.