Business Details
40 Years
experience
Your Trusted Chartered Financial Advisers
Established in 1986, AV Trinity is a Chartered Financial Planning firm based in Tunbridge Wells, Kent. We specialise in providing independent, impartial financial advice tailored to individual needs across pensions, investments, mortgages, equity release, and inheritance tax planning. Our team of Chartered Financial Planners and Pensions on Divorce Experts (PODE) serves clients throughout Kent, East Sussex, and the UK.With over 35 years of experience, we prioritise long-term client relationships built on trust, transparency, and ethical practice. Our Chartered status reflects adherence to the highest professional standards, ensuring clients receive competent, future-focused guidance. We combine local expertise with national reach, offering in-person and remote consultations to support financial decision-making at every life stage.
Services
Pensions Advice
Mortgage Planning
Investment Management
Equity Release
Inheritance Tax Planning
Care Fees Funding
Divorce Financial Planning
Details
- Year established: 1986
Highlights and features
- Chartered status ensuring the highest professional standards
- Over 35 years of experience in independent financial advice
- Tailored solutions for individuals, families, and businesses
- Regulated by the Financial Conduct Authority (FCA)
- Client-centred approach with long-term relationship focus
Associations and certifications
- Chartered Insurance Institute
- Financial Conduct Authority
What people say
Exceptional expertise
Personalised approach
Clear communication
Trustworthy advisors
Comprehensive solutions
Services
Pensions Advice
We provide comprehensive pensions advice, including auto-enrolment, retirement planning, and pension sharing orders. Our Chartered Financial Planners help clients optimise their pension pots, navigate tax implications, and ensure financial security in later life. Specialised expertise in divorce-related pension division ensures compliant, client-focused solutions.
Mortgage Planning
Our mortgage advisory service covers first-time purchases, remortgaging, and buy-to-let investments. We offer impartial guidance on fixed, variable, and tracker mortgages, alongside equity release options. With local knowledge of Kent and East Sussex property markets, we help clients secure competitive rates aligned with long-term financial goals.
Investment Management
We design tailored investment strategies considering risk tolerance, time horizons, and financial objectives. Services include portfolio management, ethical investing, and tax-efficient structures. Regular reviews ensure alignment with changing personal circumstances and market conditions, supporting sustained wealth growth.
Inheritance Tax Planning
Our specialists create strategies to minimise inheritance tax liabilities through trusts, lifetime gifts, and pension structuring. We collaborate with legal professionals to ensure wills and estate plans reflect current legislation, protecting family wealth and facilitating smooth intergenerational transfers.
Equity Release
We offer regulated equity release solutions for clients aged 55+, including lifetime mortgages and home reversion plans. Advisors explain implications for state benefits and inheritance, ensuring compliance with Financial Conduct Authority guidelines while addressing clients' financial needs in retirement.
People
Louise Morris
Managing Director
FPFS Chartered Financial Planner with over 20 years' experience. Leads strategic direction while maintaining client relationships. Specialises in complex financial planning and business succession strategies.
Helen Carey
Compliance Director
FPFS Chartered Financial Planner ensuring regulatory adherence. Expertise in pensions on divorce (PODE) and client protection frameworks. Oversees operational governance across all advisory services.
Frank Harewood
Financial Planning Supervisor
FPFS Chartered Financial Planner mentoring advisors. Focuses on retirement planning and tax-efficient investment structures. Maintains technical excellence across the advisory team.
Laura Ashby
Mortgage Adviser
Certified mortgage specialist with expertise in residential and buy-to-let financing. Helps clients navigate complex property transactions and remortgaging opportunities.
Bryn Evans
Head of Paraplanning
Manages technical support team producing financial planning recommendations. Ensures accurate implementation of client strategies across all service areas.
Questions
What qualifications do your financial advisers hold?
All our advisers hold Chartered status through the Chartered Insurance Institute, with specialist certifications in pensions, mortgages, and divorce financial planning.
Do you offer free initial consultations?
Yes, we provide complimentary initial consultations to discuss your financial goals and determine how we can support your specific needs.
Can you help with both personal and business financial planning?
We offer tailored services for individuals, families, and business owners, covering pensions, investments, protection, and succession planning.
How are your financial planning fees structured?
Fees are transparently disclosed upfront, with options for fixed fees or percentage-based charges depending on service complexity.
Do you provide remote advisory services?
Yes, we offer video consultations and telephone meetings alongside in-person appointments at our Tunbridge Wells office.
What ongoing support do you provide after initial advice?
We conduct regular reviews of your financial plan to ensure alignment with changing circumstances, regulations, and market conditions.
