Business Details
40 Years
experience
Your Trusted Chartered Financial Advisers in Tunbridge Wells
Established in 1986, AV Trinity is among Kent's most trusted Independent Financial Advisers. As a Chartered Financial Planning firm, we prioritise clients' interests through personalised financial advice tailored to every life stage. Our expertise spans pensions, investments, mortgages, equity release, and inheritance tax planning, serving individuals, families, and businesses across the UK. With a client-centred approach, we build lasting relationships by delivering flexible, practical guidance that evolves with changing needs.Our Chartered status reflects our commitment to the highest professional standards, ethical practice, and ongoing development. Based in Royal Tunbridge Wells, we combine local expertise with national reach, offering in-person and remote consultations to ensure accessible, reliable financial advice.
Services
Pension Advice
Mortgage Advice
Investment Planning
Equity Release
Inheritance Tax Planning
Care Fees Funding
Business Protection
Divorce Financial Planning
Details
- Year established: 1986
Highlights and features
- Chartered Financial Planning firm with 40+ years of heritage
- FCA-authorised advisors delivering impartial, client-first guidance
- Specialist expertise in pensions, equity release, and tax planning
- Local knowledge with nationwide service coverage
- Commitment to ongoing professional development and ethical standards
Associations and certifications
- Chartered Insurance Institute
- Financial Conduct Authority
What people say
Expert guidance
Trusted advisors
Tailored solutions
Professional team
Reliable service
Services
Pension Advice
We provide comprehensive pension advice covering workplace pensions, self-invested personal pensions (SIPPs), and retirement income strategies. Our Chartered advisors help clients optimise pension contributions, navigate tax implications, and create sustainable retirement income. With expertise in pension sharing orders and divorce-related financial planning, we ensure tailored solutions that adapt to changing life circumstances while maintaining FCA-regulated compliance.
Mortgage Advice
Our mortgage specialists offer impartial advice on residential, buy-to-let, and equity release mortgages. We assess clients' financial situations to recommend competitive rates and suitable products, including complex cases requiring specialist lenders. From first-time buyer guidance to remortgaging strategies, we provide clear explanations of costs, risks, and affordability considerations while maintaining FCA-authorised standards throughout the process.
Inheritance Tax Planning
We develop strategic inheritance tax mitigation plans using legal exemptions, trusts, and pension-based solutions. Our advisors analyse clients' assets, family circumstances, and succession goals to implement tax-efficient strategies that preserve wealth for future generations. This includes integrating lifetime gifting, charitable donations, and business property relief options while ensuring compliance with current HMRC regulations and reporting requirements.
Investment Planning
Our investment services focus on creating diversified portfolios aligned with clients' risk profiles and financial objectives. We offer active fund management, ethical investing options, and regular portfolio reviews to optimise returns. With expertise in capital gains tax efficiency and investment pathway selection, we provide ongoing monitoring and rebalancing services to maintain strategic asset allocation across changing market conditions.
Equity Release
We specialise in regulated equity release solutions for clients aged 55+. Our advisors explain lifetime mortgage options, no-negative-equity guarantees, and impact on means-tested benefits. We provide impartial assessments of alternatives like downsizing or remortgaging while ensuring compliance with Equity Release Council standards. The process includes assessing suitability, explaining interest rate implications, and coordinating with legal professionals for seamless execution.
People
Louise Morris
Managing Director | Chartered Financial Planner
With over 25 years' experience, Louise leads our advisory team as Managing Director. She specialises in complex financial planning cases and oversees strategic business development while maintaining active client relationships across Kent and the UK.
Helen Carey
Compliance & Operations Director | Chartered Financial Planner
Helen manages regulatory compliance and operational excellence while providing specialist pension advice. Her dual expertise ensures clients receive technically sound recommendations within strict FCA regulatory frameworks.
Frank Harewood
Chartered Financial Planner & Financial Planning Supervisor
Frank supervises our advisory team and specialises in retirement planning solutions. With 20+ years in financial services, he combines technical expertise with practical guidance to help clients achieve long-term financial security.
Laura Ashby
Senior Mortgage Adviser
Laura provides expert mortgage advice specialising in complex cases and equity release solutions. Her CeRT qualified status ensures clients receive technically robust recommendations tailored to their property financing needs.
Bryn Evans
Head of Paraplanning
Bryn leads our paraplanning team, ensuring accurate implementation of financial strategies. His team supports advisors with technical analysis, compliance documentation, and ongoing client portfolio management across the firm's service offerings.
Questions
What qualifications do your financial advisors hold?
All our advisors hold Chartered status through the Chartered Insurance Institute, with many achieving Certified Financial Planner (CFP) or equivalent designations. Our team maintains ongoing professional development to meet FCA requirements.
How are your financial planning services regulated?
We're authorised and regulated by the Financial Conduct Authority (FCA), adhering to strict conduct, compliance, and capital adequacy requirements to ensure client protection and industry-leading standards.
Do you offer remote financial consultations?
Yes, we provide video calls and telephone consultations alongside in-person meetings at our Tunbridge Wells office, ensuring accessible financial advice for clients nationwide.
What investment options do you offer?
We provide access to diverse investment vehicles including ISAs, SIPPs, unit trusts, and ethical funds, selecting options aligned with your risk profile, financial goals, and tax considerations.
How do you charge for financial advice?
We operate transparent charging structures including hourly rates, fixed fees, or percentage-based asset management charges. All costs are clearly explained before service commencement with no hidden fees.
Can you help with divorce-related financial planning?
Yes, our Pension on Divorce Experts (PODE) specialists handle pension sharing orders, asset division, and post-divorce financial restructuring with sensitivity and technical precision.
