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	<title>Tower Hill Associates</title>
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	<description>The Investment and Retirement Planning Experts</description>
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		<item>
		<title>Don&#8217;t believe what you read in the money pages!</title>
		<link>http://www.towerhillassociates.com/dont-believe-what-you-read-in-the-money-pages</link>
		<comments>http://www.towerhillassociates.com/dont-believe-what-you-read-in-the-money-pages#comments</comments>
		<pubDate>Sun, 02 Jun 2013 13:00:02 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[financial planning advice]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=2430</guid>
		<description><![CDATA[If there was a prize for the worst article in the money press then the one recently by Richard Evans in the Telegraph “Pension savers could double their tax free cash” would be a strong contender click here.

It is money journalism of the worst kind sowing the seeds of a “financial planning opportunity” where no such opportunity exists in the real world.  And along the way it confuses their readership – I know this because one of my largest clients drew my attention to this article and wants to discuss it at their forthcoming annual review meeting.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment Planning – Head not Heart!</title>
		<link>http://www.towerhillassociates.com/investment-planning-head-not-heart</link>
		<comments>http://www.towerhillassociates.com/investment-planning-head-not-heart#comments</comments>
		<pubDate>Thu, 02 May 2013 08:50:50 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>
		<category><![CDATA[Investment Philosophy]]></category>
		<category><![CDATA[successful investor]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=2419</guid>
		<description><![CDATA[In our view, long-run investment results for any individual reflect the combination of available capital market returns and the investor’s behavior and temperament. As Warren Buffett has observed, excitement and expenses are the enemy of every investor, and all of us could benefit by examining our inclination to invest with our hearts rather than our heads. The decision to own gold often is motivated by an emotional response to current events, leading to abrupt shifts in asset allocation strategy and a failure to achieve capital market rates of return there for the taking. If adopting a permanent 5% allocation to gold encourages investors to maintain a buy-and-hold strategy for the remaining 95% of their portfolio, perhaps that is the most sensible solution for some. Many other investors undoubtedly will be just as content to stock their portfolios with securities offering interest and dividends—and let gold fulfill their innate human desire for rare and beautiful objects of adornment.

Tower Hill Associates view is holding gold or any asset class for that matter as an emotional response to current events is no way for clients to have a successful investment experience. Instead we offer the client centred Tower Hill Associates Investment Philosophy which focuses on achieving financial objectives using low cost well diversified investment strategies and minimising tax.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment Planning &#8211; Media and Market Noise</title>
		<link>http://www.towerhillassociates.com/investment-planning-media-and-market-noise</link>
		<comments>http://www.towerhillassociates.com/investment-planning-media-and-market-noise#comments</comments>
		<pubDate>Wed, 20 Mar 2013 07:27:29 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>
		<category><![CDATA[Investment Philosophy]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=2227</guid>
		<description><![CDATA[For the everyday investor it is the bigger picture that matters and not media and market noise. Markets are moving constantly as news and information is built into prices. Sentiment is buffeted one way, then the other. Millions of participants make buy and sell decisions based on news or their own individual requirements.

The job of media and market analysts frequently boils down to creating plausible narratives around often disconnected events so that it all appears seamless. Then the next day, they start all over again. For a broker or journalist, whose horizons are in minutes, this approach to markets makes sense. But for investors with long-term horizons, second and third guessing money decisions based on the news of the day is unlikely to deliver sound results.]]></description>
		<wfw:commentRss>http://www.towerhillassociates.com/investment-planning-media-and-market-noise/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment Planning &#8211; Seeing the wood for the trees</title>
		<link>http://www.towerhillassociates.com/investment-planning-seeing-the-wood-for-the-trees</link>
		<comments>http://www.towerhillassociates.com/investment-planning-seeing-the-wood-for-the-trees#comments</comments>
		<pubDate>Tue, 05 Mar 2013 09:10:07 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>
		<category><![CDATA[independent financial planning]]></category>
		<category><![CDATA[Investment Philosophy]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=2208</guid>
		<description><![CDATA[I was looking at the total return performance of the IMA UK All Companies Sector and found that the average fund has grown by 307.64% over 20 years. Despite the fact that this performance is flattered by survivorship bias (the performance of funds that have closed down or merged have been removed) it was beaten handsomely by the FTSE ALL SHARE Total Return index which stood at 369.91%.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment Planning &#8211; Bad News Sells!</title>
		<link>http://www.towerhillassociates.com/investment-planning-bad-news-sells</link>
		<comments>http://www.towerhillassociates.com/investment-planning-bad-news-sells#comments</comments>
		<pubDate>Wed, 22 Aug 2012 11:15:41 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>
		<category><![CDATA[chartered financial planner]]></category>
		<category><![CDATA[Investment Philosophy]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=1844</guid>
		<description><![CDATA[Bad news sells. It sells because fear is a more powerful emotion than greed. Newspaper editors know that, which is why the front pages are often so depressing. But sometimes you need to dig inside the paper for a more balanced view. Also working closely with a chartered financial planner who has an investment philosophy which is client centred and focused on achieving a clients financial goals also helps clients see the investment journey in a much more balanced less fearful way.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment Planning &#8211; Embracing Imperfection</title>
		<link>http://www.towerhillassociates.com/investment-planning-embracing-imperfection</link>
		<comments>http://www.towerhillassociates.com/investment-planning-embracing-imperfection#comments</comments>
		<pubDate>Tue, 03 Jan 2012 09:25:18 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>
		<category><![CDATA[chartered financial planner]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=1656</guid>
		<description><![CDATA[New Year's resolutions often involve making promises to ourselves we can never keep. But instead of tilting at windmills, we can often generate better results by merely resolving to be less dumb in certain areas. And money is a good place to start.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment Planning &#8211; &#8220;When Cash Beats a Portfolio&#8221;</title>
		<link>http://www.towerhillassociates.com/investment-planning-when-cash-beats-a-portfolio</link>
		<comments>http://www.towerhillassociates.com/investment-planning-when-cash-beats-a-portfolio#comments</comments>
		<pubDate>Sat, 24 Sep 2011 17:49:05 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>
		<category><![CDATA[independent financial planning]]></category>
		<category><![CDATA[investment advisor]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=1471</guid>
		<description><![CDATA[I am glad to be part of Matthew Vincent's comment piece "When Cash Beats a Portfolio" in Saturdays FT on 24 September 2011.....Is there any financial advisor out there that would pay over 2% per annum for a well diversified risk benchmarked portfolio never mind one that has a less than 50% chance of beating cash over the longer term? If the answer is no then I don't see why clients should be "advised" (read "sold") into such portfolios.]]></description>
		<wfw:commentRss>http://www.towerhillassociates.com/investment-planning-when-cash-beats-a-portfolio/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Charging Fees for Financial Planning Advice</title>
		<link>http://www.towerhillassociates.com/charging-fees-for-financial-planning-advice</link>
		<comments>http://www.towerhillassociates.com/charging-fees-for-financial-planning-advice#comments</comments>
		<pubDate>Sun, 04 Sep 2011 16:19:00 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[chartered financial planner]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[financial planning advice]]></category>
		<category><![CDATA[financial planning service]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=1445</guid>
		<description><![CDATA[My experience does differ from many of the responses to Nic's article that clients will not pay a fee for independent financial planning advice and will go off and buy a commission paying product instead.

I started my independent fee based advisory practice in 2006 from scratch with most of my clients finding me via the internet or through word of mouth.

During this time, my clients never seem to have had a problem with me charging fees and indeed many of them have signed up precisely because I was fee based.

I am the first to admit that I am not the best salesman in the world but I have nevertheless built up a successful business. I think that the key for me has been being able to explain to clients where the real value in a client adviser relationship lies and having a clear on-going service proposition - see independent financial planning service.

Also acting as the clients most trusted adviser is much more credible when remuneration doesn't come from product sales (commission) but from fees agreed in advance with the client alongside being highly qualified - see chartered financial planner.
]]></description>
		<wfw:commentRss>http://www.towerhillassociates.com/charging-fees-for-financial-planning-advice/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment Planning &#8211; Living with Volatilty</title>
		<link>http://www.towerhillassociates.com/investment-planning-living-with-volatilty</link>
		<comments>http://www.towerhillassociates.com/investment-planning-living-with-volatilty#comments</comments>
		<pubDate>Wed, 10 Aug 2011 09:28:01 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>
		<category><![CDATA[financial advisor]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=1428</guid>
		<description><![CDATA[The current renewed volatility in financial markets is reviving unwelcome feelings among many investors—feelings of anxiety, fear and a sense of powerlessness. These are completely natural responses. Acting on those emotions, though, can end up doing us more harm than good. Our investment planning service is built on evidence from leading financial academics and where a financial advisor can add real value can be viewed here.

]]></description>
		<wfw:commentRss>http://www.towerhillassociates.com/investment-planning-living-with-volatilty/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Where to find a good independent financial advisor?</title>
		<link>http://www.towerhillassociates.com/where-to-find-a-good-independent-financial-advisor</link>
		<comments>http://www.towerhillassociates.com/where-to-find-a-good-independent-financial-advisor#comments</comments>
		<pubDate>Sun, 05 Jun 2011 14:30:42 +0000</pubDate>
		<dc:creator>John Lang</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[chartered financial planner]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[independent financial advisor]]></category>

		<guid isPermaLink="false">http://www.towerhillassociates.com/?p=1363</guid>
		<description><![CDATA[I would actively encourage anyone looking for a good independent financial advisor to have a look at the new VouchedFor site.]]></description>
		<wfw:commentRss>http://www.towerhillassociates.com/where-to-find-a-good-independent-financial-advisor/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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