John Lang

Tower Hill Associates Limited

Reviewed for

Insurance and Protection ( 4 )

Mortgages ( 1 )

Pensions ( 32 )

Retirement income (annuities, drawdown) ( 1 )

Investments and Savings ( 41 )

Inheritance Planning ( 4 )

Reviewers' assets

£500k+ ( 27 )

£200k - £500k ( 7 )

£100k - £200k ( 2 )

( 1 )

Up to £50k ( 1 )

Client reviews

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

What were the circumstances that caused you to initially look for an adviser?

As power of attorney to my mothers estate we needed to invest the money from the sale of her estate to provide for her care home bills along with planning for the future.

How has John Lang helped you?

John was able to advise on suitable investments according to our risk threshold, whilst maximising the tax benefits for the money invested. His advice was invaluable. We understood that the money could go down as well as up but over the 5 years we invested we maintained above average growth. We had three quarters of our original investment in a medium risk in Bonds and Equities portfolio which gave a safe investment. Due to the inheritance tax threshold, the other quarter was able to be invested in a higher risk investment which minimised our eventual inheritance tax burden. He was able to do this as he had secured a suitable annuity which paid for the residual amount need for my mothers care home.

Have you seen the outcome you were hoping for?

John's advice meant that the eventual outcome, when my mother passed away, far exceeded our expectations, whilst being able to maintain my mothers high standard of care whilst she was alive.

What could they have done better?

I have nothing but praise for John's advice.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for an adviser?

I needed to replace my existing IFA.

How has John Lang helped you?

He understood our needs, interpreted them well and made the process simple and then gave practical advice giving us confidence.

Have you seen the outcome you were hoping for?

So far, it's still quite early.

What could they have done better?

So far we are happy with the service

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

We had a number of different pension schemes from different employers over the years and were beginning to need to start planning for retirement.

How has John Lang helped you?

He has organised our pension schemes, ISAs and other investments into a clearly defined strategy consistent with our risk appetite. He has also helped us see the medium term and develop a plan for retirement.

Have you seen the outcome you were hoping for?

Too early as we are still 5+ years away from retirement but the results seen so far have been very promising indeed.

What could they have done better?

John has always been very helpful, honest where he is not an expert on any areas, has got other specialists involved as required. He has always followed up on any questions or outstanding points arising from our meetings and has a clear focussed investment strategy.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

I wished to use a professional to handle my wealth.

How has John Lang helped you?

Guidance on investment strategy and planning for the future.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

We use monthly dashboards in our business showing a quick snap shot of key information. Perhaps this is something that John could develop in the future.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for an adviser?

Retirement and seeking sensible fee charges.

How has John Lang helped you?

Provided excellent advice for utilising my pension.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Very happy with John.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

We had a need to manage our portfolio in a more professional manner.

How has John Lang helped you?

John reviewed our entire position, gaining a thorough understanding of our family needs and our objectives. He then helped us put in place well structured, diversified portfolios.

Have you seen the outcome you were hoping for?

Yes, definitely.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Not satisfied by the quality of advice from my previous adviser. Seeking a more sustainable approach and strategy.

How has John Lang helped you?

Simplified and rationalised my investments in a way that made sense to me. Demonstrably straight talking. Transparent costs. Explicit planning asumptions.

Have you seen the outcome you were hoping for?

In part. I don't expect to see expected financial outcome for a few years, especially as markets seem to be in a state of high volatility at the moment.

What could they have done better?

Proactive commentary about performance of my investments from time to time in between annual review - but not if that would materially increase cost. I am capable of reviewing my investmants on line and reading the financial pages

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

Settlement of Divorce.

How has John Lang helped you?

Following a divorce settlement in 2002 I had as impersonal service from a London asset management firm, where it seemed I had no control over my money and found the fund managers very unapproachable. Fortunately in 2008 I was introduced to John, and now receive a personal service knowing that he is always at the end of the phone for help and advice - even advising on my daughters' financial problems! I feel I now receive sound cost effective advice in every aspect of my finances. I wouldn't hesitate to recommend him.

Have you seen the outcome you were hoping for?

My portfolio continues to perform well.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for an adviser?

The sale of my husband business changed our financial position, prompting us to look into ways to secure our future.

How has John Lang helped you?

John has been a great asset in helping us plan for our future. Following the sale of my husbands company we were after some clear advice on how best to maximise our earnings to their full potential. John was recommended to us and immediately we were drawn to his straight talking approach and like-ability. He has listened to our wants, needs and would-like-to-haves and tailored a financial strategy to suit us, without grand and unrealistic promises. We feel confident with our investment plan and reassured that through regular updates with John, adjustments and reviews can be made to maintain targets. We trust John to keep us informed and give us independent advice and would happily recommend him.

Have you seen the outcome you were hoping for?

Yes, we've been pleased with the results as well as John's regular communications and willingness to advise and offer support where required.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

Retiring after an international career with investments in several countries which we wanted to consolidate into one diversified portfolio, managed with less hands on attention on the part of ourselves.

How has John Lang helped you?

John helped us to first set up a portfolio structure that met our financial objectives and risk tolerances. The structure was as simple , efficient and flexible as possible with certain specific financial objectives we had wanted included and the ability to absorb various company retirement plans as they became payable. Selected John after interviewing 4 other qualified advisers. Impressed by his transparency and willingness to tailor a plan to our needs (after extensive research and profiling), rather than us to fit into a template - on the other hand, uses established tools and models where appropriate to reduce costs, complexity and maximize return. I felt an obsession to minmize costs which eat into returns. John came up with innovative tax solutions where necessary. We have strong confidence in Johns commitment to optimize risk and return, while minimizing costs. He gives options, and explains the rationale behind them. Always available for quick, informal questions on financial matters.

Have you seen the outcome you were hoping for?

We are currently very satisfied with the portfolio, how it is performing, together with the ad hoc advice that we ask for from time to time. The income generated is consistent with our needs and the growth at or better than the relevant benchmarks. In addition John flags up when there may be CGT issues or changes etc to optimise our returns.

What could they have done better?

Really there is nothing he could have done better from our perspective.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

I lost confidence in my current advisors who were charging too much for dubious advice.

How has John Lang helped you?

John gives a low cost, highly diversified range of investments. If you think you can be clever, time your investments and beat the market then go elsewhere. John gives straightforward advise without the BS!.

Have you seen the outcome you were hoping for?

I'm still enjoying John Lang's services. I have definitely seen the outcome I was hoping for as John is very honest about the results you are likely to obtain.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Wiltshire

What were the circumstances that caused you to initially look for an adviser?

I wanted an independent, fee based financial advice that wasn't motivated by commissions from the products they were selling.

How has John Lang helped you?

John makes managing the financial side of our lives so easy. John's proactive attitude combined with regular reviews mean that we always know what is going on and why. Our financial future is right on plan and I couldn't be happier.

Have you seen the outcome you were hoping for?

Definitely.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for an adviser?

Retired.

How has John Lang helped you?

We have availed ourselves of John's services for the past years to set up and administer our investments and pension draw-down. He is always friendly and approachable and explains everything to us with great clarity and patience. Nothing is too much trouble and he is always prepared to make himself available whenever we have questions. We feel we are in safe hands with him as our financial adviser and administrator.

Have you seen the outcome you were hoping for?

Retired. We are happy with the way John is handling our affairs.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Dissatisfied with our previous IFA--advice too complex and charges too high.

How has John Lang helped you?

I was recommended to John after becoming dissatisfied with my previous IFA. He has more than fulfilled my expectations: he is exceptionally easy to understand, happy to discuss my own ideas and modify his standard portfolios where he agrees that they make sense (and to explain why in some detail when they do not), and keen to minimize drag by using low cost trackers where appropriate and institutional funds where possible. His own fees are remarkably low for the quality of his service and the amount of time he gives us, including visits to my daughter in Brighton as well as my wife andme in London. I almost feel guilty about that. He has put our portfolio onto a platform that we can watch online except for a few legacy investments that cannot be moved, and he monitors those individually. I have rated the quality of his advice as very good, rather than excellent, only because he does not seem to have ready access to specialist investment areas such as private equity and hedge funds. In fact I do not want to hold them direct and can get enough exposure via investment trusts such as RIT. For my purposes, his advice is entirely satisfactory.

Have you seen the outcome you were hoping for?

See above.

What could they have done better?

Hard to see how he could be more responsive or helpful. My only real concern is that he is a one-man band and might retire when we still need him. However, he has assured us that he has a succession plan in mind.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

sale of property/inheritance.

How has John Lang helped you?

Both his advice and charges are clear and I trust him completely. He has a very straight forward approach to investments and tax planning and explains the processes excellently. He goes out of his way to help even with areas of my portfolio not under his remit, both taking into account the overall picture of my investments as well as advising on them without any pressure whatsoever to hand over everything to him and makes no extra charge for this invaluable service. I would highly recommend him to anyone as someone offering independent, open and efficient service.

Have you seen the outcome you were hoping for?

currently retired. Yes.

What could they have done better?

Totally satisfied.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Early retirement. We needed to plan for the next 30 years of so. We were looking for someone who did not claim to be able to spot winning shares, funds or fund managers - we know that on average they do no better than the markets and cost a lot more - but instead wanted someone who took a more strategic view.

How has John Lang helped you?

He understood our requirements and offered exactly the approach we wanted. We really liked his focus on getting the right mix of markets and sectors to match our risk profile and then using tracker investments with low charges.

Have you seen the outcome you were hoping for?

Yes. And above all we have confidence that we don't have to keep managing a portfolio but have the course set as we want it in a way that should be ok for a range of circumstances.

What could they have done better?

Overall there's not much to say here. John had only recently started when we engaged him and we have gone through a couple of changes in platform. Now things are stable, it will be easier for him to provide portfolio performance information. But that's about it.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for an adviser?

Retirement of my previous IFA.

How has John Lang helped you?

John has been my IFA for 5 years during which a relationship has developed akin to that of a concerned but wise friend advising a needy investor. Since he disagreed with the level of risk to which I had exposed myself, he has gently but insistently re-educated me as to the costs and benefits of various risk levels. In doing so, he has taken account of my whole life circumstances including investments not under his management. As a financial planner, he has helped me to understand the mix of investment appropriate for the lifestyle I desire as I approach retirement. With the addition of the Voyant financial planning tool, John offers a truly holistic service. His friendly approach combined with an ability to clearly explain investment concepts makes our regular Select Service meetings a pleasure.”.

Have you seen the outcome you were hoping for?

Now retired. Yes, I have seen the hoped for outcome.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for an adviser?

Sold a business and needed to restructure personal finances.

How has John Lang helped you?

When I first sought a professional advisor following a financial juncture in my life, as would be the common approach I had my shortlist compiled according to my criteria and recommendations. Of course though at the end of it, it always comes down to taking the plunge and with John Lang having ticked all the right boxes and after having our first meeting, Tower Hill Associates definitely felt right for me. John has now been managing my PIP and ISA wraps for my family since 2009 and I am greatly satisfied with his service so far. During this time I have found him to be approachable, easy to talk to and prompt to deal with for any queries or requests. I take comfort in having full online access to my investment wrap set-up enabling me to view performance at any time in detail. I have appreciated his sensible approach with yearly review presenting me with clear intuitive tailored reports and facilitating any rebalancing that may be necessary to ensure investments remain diversified according to my risk tolerance with an eye on tax efficiency. Well worth the service provided and great peace of mind, highly recommended.

Have you seen the outcome you were hoping for?

Lifestyle requiring dipping into PIP funds, also to fund CTFs and ISAs. Overall, performance was as hoped for.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for an adviser?

See below.

How has John Lang helped you?

John Lang helped my husband and me sort out our scattered investments and subsequently, as a widow, he has helped me rationalise them all again. He is always friendly and his advice betrays a deep knowledge of financial affairs.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

nothing to add

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Berkshire

What were the circumstances that caused you to initially look for an adviser?

I took the opportunity to take early retirement from the organisation I had worked for for 25 years . I needed financial advice on the pension I would receive and also I had a portfolio of investments I had collected over the years that needed rationalisation.

How has John Lang helped you?

I have been a client with John for over 6 years during which time I have found him to be informative and responsive to my investment needs. His holistic approach to investment tailored to my personal circumstances and risk tolerance coupled with cost minimisation and regular updates have resulted in positive returns .

Have you seen the outcome you were hoping for?

The outcomes on my portfolio are in line with the strategy that John and I agreed at the outset based on my risk tolerance and which have been reviewed annually to meet any change in circumstances. The portfolio is managed to maximise tax efficiency and so far have delivered expected returns over the 6 years ( Clearly there are ups and downs but over the long term these trend to the overall result anticipated.

What could they have done better?

John and I had the same investment philosophy from the outset ( Risk tolerance is different for each individual so the construction of the portfolio is based on this. Also returns are up and down but over a period of time they even out and re-balancing the portfolio regularly is key to this . )

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Pension Planning.

How has John Lang helped you?

John gives excellent service and advice when needed. The canny Scot in him keeps a cool head when graphs start to jump up and down - an essential quality for an IFA. His excellent bedside manner inspires confidence and he takes care over understanding one's particular needs in terms of financial planning. Given that the last few years have been volatile, John seems to have steered a good middle course in the choppy waters of the financial world! He is always extremely professional in presentation of the paperwork and reports, and takes great care over guiding his client through the complexities of facts and figures. Apart from that he is always prepared to take time to answer one's questions in a most considerate way.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Surrey

How has John Lang helped you?

John listened to what we wanted to achieve and worked with us to create a plan. His solution, in terms of the engineering of the financial structure, was original and inventive, but explained with the minimum of jargon. In the process, it saved a lot of money!

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with John

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with John

Clear and Concise

First impression from a user who is not yet a client

April, 2014

Overall

Please provide a brief comment about your experience with John

First impression from a user who is not yet a client

December, 2013

Overall

Please provide a brief comment about your experience with John

John quickly got in touch after my inquiry. Although his services did not suit my situation he was honest about that from the outset. He was kind enough to give me guidance on how to continue my search for the right financial adviser. A genuinely nice per

First impression from a user who is not yet a client

November, 2013

Overall

Please provide a brief comment about your experience with John

Helpful and Informative

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Oxfordshire

How has John Lang helped you?

John has been a great asset in helping us plan for our future. Following the sale of my husbands company we were after some clear advice on how best to maximise our earnings to their full potential. John was recommended to us and immediately we were drawn to his straight talking approach and like-ability. He has listened to our wants, needs and would-like-to-haves and tailored a financial strategy to suit us, without grand and unrealistic promises. We feel confident with our investment plan and reassured that through regular updates with John, adjustments and reviews can be made to maintain targets. We trust John to keep us informed and give us independent advice and would happily recommend him.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in London

How has John Lang helped you?

John offers a very good service around the concept of low fee, passive , index management which dovetails with my needs very well. Having left the city after 26 years , sadly I can verify that almost no valued is added over the long term by paying for expensive under performing stock pickers. The second part of a successful relationship is efficiency , which John is. It has taken me a number of false starts but I am now happy with the IFA slot which he now fills for me extremely well.

What could they have done better?

I am still unsure what fee structure both and incentives and rewards to keep both advisor and client's needs aligned.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in London

How has John Lang helped you?

Hi is trustworthy, informed and reliable and always contactable. He tailors his decisions to my financial needs and preferences.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Wiltshire

How has John Lang helped you?

John makes managing the financial side of our lives so easy. John's proactive attitude combined with regular reviews mean that we always know what is going on and why. Our financial future is right on plan and I couldn't be happier.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Surrey

How has John Lang helped you?

Both his advice and charges are clear and I trust him completely. He has a very straight forward approach to investments and tax planning and explains the processes excellently. He goes out of his way to help even with areas of my portfolio not under his remit, both taking into account the overall picture of my investments as well as advising on them without any pressure whatsoever to hand over everything to him and makes no extra charge for this invaluable service. I would highly recommend him to anyone as someone offering independent, open and efficient service.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Middlesex

How has John Lang helped you?

In the four years I have been a client of John's I have always found him friendly and approachable He took over my financial affairs following the death of my husband and at a very difficult time his professional, clear advice was greatly appreciated. John provides a very personal service which is rare in this sector and manages to explain everything in layman's terms without being patronising! Most importantly for me John is someone I trust and I happily recommend his services.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in London

How has John Lang helped you?

John gives excellent service and advice when needed. The canny Scot in him keeps a cool head when graphs start to jump up and down - an essential quality for an IFA. His excellent bedside manner inspires confidence and he takes care over understanding one's particular needs in terms of financial planning. Given that the last few years have been volatile, John seems to have steered a good middle course in the choppy waters of the financial world! He is always extremely professional in presentation of the paperwork and reports, and takes great care over guiding his client through the complexities of facts and figures. Apart from that he is always prepared to take time to answer one's questions in a most considerate way.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in London

How has John Lang helped you?

We selected John having talked to a number of other advisers. The main reason was that we liked his philosophy. He didn't claim to be able to recommend winning funds - we knew that most funds under-perform the indices - but rather to recommend a portfolio of low cost investments to match our risk profile, and then to maintain it for us. And we trusted him. That was in 2007, and we still think we made the right decision.

What could they have done better?

Nothing significant.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in London

How has John Lang helped you?

I was recommended to John after becoming dissatisfied with my previous IFA. He has more than fulfilled my expectations: he is exceptionally easy to understand, happy to discuss my own ideas and modify his standard portfolios where he agrees that they make sense (and to explain why in some detail when they do not), and keen to minimize drag by using low cost trackers where appropriate and institutional funds where possible. His own fees are remarkably low for the quality of his service and the amount of time he gives us. I almost feel guilty about that. He has put our portfolio onto a platform that we can watch online except for a few legacy investments that cannot be moved, and he monitors those individually.

What could they have done better?

Hard to see how he could be more responsive or helpful. My only real concern is that he is a one-man band and might retire when we still need him. However, he has assured us that he has a succession plan in mind.

First impression from a user who is not yet a client

September, 2013

Overall

Please provide a brief comment about your experience with John

John was very helpful and we followed his recommendations.

First impression from a user who is not yet a client

August, 2013

Overall

Please provide a brief comment about your experience with John

First impression from a user who is not yet a client

August, 2013

Overall

Please provide a brief comment about your experience with John

Initial consultation was informative and clear regarding his services and charges. Answered all my questions in a straight-forward manner and took time to explain some complexities regarding my pension situation in detail, ensuring I understood.

First impression from a user who is not yet a client

July, 2013

Overall

Please provide a brief comment about your experience with John

In the first meeting with John, I found him to be extremely helpful.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in Middlesex

How has John Lang helped you?

When I first sought a professional advisor following a financial juncture in my life, as would be the common approach I had my shortlist compiled according to my criteria and recommendations. Of course though at the end of it, it always comes down to taking the plunge and with John Lang having ticked all the right boxes and after having our first meeting, Tower Hill Associates definitely felt right for me. John has now been managing my PIP and ISA wraps for my family since 2009 and I am greatly satisfied with his service so far. During this time I have found him to be approachable, easy to talk to and prompt to deal with for any queries or requests. I take comfort in having full online access to my investment wrap set-up enabling me to view performance at any time in detail. I have appreciated his sensible approach with yearly review presenting me with clear intuitive tailored reports and facilitating any rebalancing that may be necessary to ensure investments remain diversified according to my risk tolerance with an eye on tax efficiency. Well worth the service provided and great peace of mind, highly recommended.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in Middlesex

How has John Lang helped you?

John Lang helped my husband and me sort out our scattered investments and subsequently, as a widow, he has helped me rationalise them all again. He is always friendly and his advice betrays a deep knowledge of financial affairs.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in Middlesex

How has John Lang helped you?

We have availed ourselves of John's services for the past year to set up and administer our investments and pension draw-down. He is always friendly and approachable and explains everything to us with great clarity and patience. Nothing is too much trouble and he is always prepared to make himself available whenever we have questions. We feel we are in safe hands with him as our financial adviser and administrator.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in Berkshire

How has John Lang helped you?

I have been a client with John for 4 years during which time I have found him to be informative and responsive to my investment needs. His holistic approach to investment tailored to my personal circumstances and risk tolerance coupled with cost minimisation and regular updates have resulted in positive returns .

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in Middlesex

How has John Lang helped you?

John has been my IFA for 5 years during which a relationship has developed akin to that of a concerned but wise friend advising a needy investor. Since he disagreed with the level of risk to which I had exposed myself, he has gently but insistently re-educated me as to the costs and benefits of various risk levels. In doing so, he has taken account of my whole life circumstances including investments not under his management. As a financial planner, he has helped me to understand the mix of investment appropriate for the lifestyle I desire as I approach retirement. With the addition of the Voyant financial planning tool, John offers a truly holistic service. His friendly approach combined with an ability to clearly explain investment concepts makes our regular Select Service meetings a pleasure.”

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in London

How has John Lang helped you?

I have enjoyed the peace of mind John's professional advice and guidance has afforded me. I am quite certain that without JohnÂ’s financial advice I would not now have the financial security I continue to enjoy and at a click of a button I can see exactly where I stand. Now that I am living overseas it is even more important to know that my investments are in good hands. John always responds to any of my queries I have had and also keeps me on my toes when I need to address certain issues and he has always made himself available for meetings when I return on short visits back to the UK so I understand and know what my financial situation and future is looking like. I am more than happy to recommend John to anyone and having tried various other financial advisers I can with all integrity say that he is outstanding in his field with an approach which is balanced, human, level headed and successful.

Review from verified client

October, 2012

Overall

Advice

Service

Value

Based in Oxfordshire

How has John Lang helped you?

After moving back to the UK from abroad, we needed a clear investment strategy and solid advice on our financial position and how to best plan fgor the future. John listened carefully to the goals and needs of myself and my family before making and helping to execute clear recommendations. He is extremely trustworthy, confidential and clear in his advice; even in more complex areas. He is not afraid to take on a challange and has a good network of people to draw on with expert skills in a number of areas. I woudl certainily recommend John to friends.

Review from verified client

October, 2012

Overall

Advice

Service

Value

Based in Gloucestershire

How has John Lang helped you?

Following a divorce settlement in 2002 I had as impersonal service from a London asset management firm, where it seemed I no control over my money and found the fund managers very unapproachable. Fortunately in 2008 I was introduced to John, and now receive a personal service knowing that he is always at the end of the phone for help and advice - even advising on my daughters' financial problems! I feel I now receive sound low cost advice in every aspect of my finances. I wouldn't hesitate to recommend him.

Review from verified client

September, 2012

Overall

Advice

Service

Value

Based in London

How has John Lang helped you?

John gives a low cost, highly diversified range of investments. If you think you can be clever, time your investments and beat the market then go elsewhere. John gives straightforward advise without the BS!

Review from verified client

July, 2012

Overall

Advice

Service

Value

Based in Surrey

How has John Lang helped you?

I signed up with John when I was coming up to retirement, the company closed the final salary pension scheme and I wanted someone to gather together my different pots of money and to give me on-going advice. I had little enthusiasm for dealing with savings and pensions, I knew I didn't trust the high street banks and that I wanted a fee-based, FSA-registered advisor. In the nearly five years since then, John has been excellent. He's available when you need him and it's always a pleasure to do business with him. I think the advice I'm getting has been very good: we have come through the financial crises and stock market downturns relatively unscathed, such that I feel I have no financial worries. I'm happy to let John worry on my behalf.

Review from verified client

June, 2012

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Based in Surrey

How has John Lang helped you?

Selected John after interviewing 4 other qualified advisors. Impressed by his transparency and willingness to tailor a plan to our needs (after extensivereseach and profiling), rather than us to fit into a template - on the other hand, uses established tools and models where appropriate to reduce costs, complexity and maximize return. I felt an obsession to minmize costs which eat into returns. John came up with innovative tax solutions where necessary. We are relatively new clients but have strong confidence in Johns commitment to optimize risk and return, while minimizing costs. He gives options, and explains the rationale behind them. Always available for quick, informal questions on financial matters.

Review from verified client

June, 2012

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Based in Surrey

How has John Lang helped you?

John is a pleasure to know and his advice and help has, and is, invaluable to our financial planning. He has a straight forward and clear approach to ensure we are optimally covered and planning for the future accordingly. I would highly recommend the services of John Lang.

Review from verified client

June, 2012

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Based in Middlesex

How has John Lang helped you?

John is a very approachable and knowledgeable professional who gives sound straightforward advice. He combines this professional approach with a sensitivity to the client`s personal situation and is always ready to assist and answer any questions. I would recommend him thoroughly!

Review from verified client

May, 2012

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Based in London

How has John Lang helped you?

I strongly recommend John and his advice. Over a number of years he has provided my family with clear recommendations based on a detailed assessment of our position and reasons for investing. He updates his advice and tools as the market and available resources (trading platforms etc) change and mature so that he is always at the front of the curve. He provides detailed briefing sessions with us, answering all our questions, until we are clear on what the options are and his recommendations and then undertakes all the required activity to put these in place, including liaising with pension providers, investment platforms and other organsiations as requried. His service is totally transparent being purely fee based and indeed all commissions paid to him, rarely as he tends to avoid products that are commission based, are paid into our investments with him. A very clear understanding of what the market options are, and how to navigate this to make a good return, with the risks taken balanced against my own desires for a return. The service provided has definately justified the costs with a return that has significantly out performed the market as a whole.

Review from verified client

May, 2012

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Based in London

How has John Lang helped you?

I was introduced to John Lang at a very stressful period of my life following the death of my partner of thirty years. This was in February 2008. I was so grateful for John's support, caring manner, and sound advice as he steered me through the financial jargon in order for me to cope with my changing circumstances. John is an excellent communicator keeping me well aware of changes, keeping me updated, and making himself available should I require additional advice. This has given me the confidence that he is developing with me a portfolio well suited to my immediate personal lifestyle as well as recognising my future needs. It is reassuring and a privilege to feel one is receiving such a personal service, especially at a time of global uncertainty. I am grateful for the advice I have received which gives me confidence in the future.

Review from verified client

May, 2012

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Based in Oxfordshire

How has John Lang helped you?

John Lang of Tower Hill Associates has provided me with a well tailored, balanced, transparent and low overhead portfolio that performs to target. Over the years I have had a number of Advisors but none has come close to giving me all 4 of these key elements. John Lang is very straight, open, easy to deal with, patient and collaborative. The main value for me was peace of mind, confident that my money was doing the right job for my particular needs. It was fascinating to see how risk and reward were related to each other, in particular how increasing risk above a certain level yielded little or no real benefit. This was really useful in constructing my portfolio. Constant focus on the rminimising overall costs are a key feature of John's work. In my opinion the charges were reasonable and well worth paying.