Personalised financial advice.
For every stage of life.
Independent financial advice since 1986.
Chartered. Fixed-fee. Whole-of-market advice.
Pensions, mortgage & investment experts.
Supporting clients across the UK.
- See what they say about their experience →
Local experts with national reach.
Established in Tunbridge Wells in 1986, AV Trinity is an independent, privately owned Chartered financial advice firm, advising individuals, families and businesses across Kent, East Sussex and the wider UK.
We provide fixed-fee, whole-of-market advice through salaried advisers. That means our recommendations are based on your needs, objectives and circumstances, not on product sales or a percentage of your assets.
Our services cover pensions, investments, mortgages, protection, inheritance tax planning, equity release, care fees and specialist divorce finances. Everything we do comes back to one purpose: personalised financial advice, for every stage of life.
Unsure where to start?
Let us guide you through life’s important financial decisions.
Whether you’re planning for a major life event, facing an unexpected challenge, or simply looking to secure your future, our expert guidance can help you find the right financial advice for your situation.
Know what you need?
Get expert financial advice that’s tailored to your needs.
If you’re looking for specific financial advice, whether it’s pensions, investments, mortgages, PODE reports or protection - our team is here to provide the right solutions with clear, practical guidance.
Learn more about us.
Meet our experienced professionals who put you first.
Discover our values, our expertise, and how we’ve helped clients like you achieve financial peace of mind. We take the time to understand your unique needs and work with you to create a plan that works.
What Chartered means for you.
Chartered status is the highest professional standard a UK financial advice firm can hold. Fewer than 600 UK financial planning firms were reported to hold corporate Chartered status as of January 2025, in an FCA-regulated advice market of around 4,100 firms. That represents roughly one in seven advice firms.
AV Trinity is proud to hold corporate Chartered status. It reflects our commitment to professional conduct, ethical practice, technical competence and continuous development. It is not simply a badge; it shapes how we advise clients and how we run the firm.
Why choose AV Trinity as your IFA?
AV Trinity is independent, privately owned and Chartered. We provide whole-of-market advice, which means we are not restricted to a provider panel, product range or parent company.
Our advisers are salaried, and our advice is charged on a fixed-fee basis rather than as a percentage of your assets.
This helps keep the advice focused on what is suitable for you: your needs, your objectives and your long-term financial position.
Established in Tunbridge Wells in 1986, we advise individuals, families and business owners across Kent, East Sussex and the wider UK on pensions, investments, mortgages, inheritance tax planning, protection, equity release, care fees and specialist divorce finances.
Our expertise.
As a Chartered financial advice firm, we are committed to high professional standards, ethical practice and continuous development. Our advisers work across the full range of financial planning disciplines and provide whole-of-market recommendations without product-provider restriction.
Our focus.
Our advisers are salaried and our advice is charged on a fixed-fee basis. This structure helps keep the focus on your needs, whether you are buying your first home, building wealth, planning retirement, protecting your family, selling a business or preparing your estate.
Our heritage.
Established in Tunbridge Wells in 1986, AV Trinity is privately owned by the people who run it. We have built long-term relationships with individuals, families, business owners and professional partners across Kent, East Sussex and the wider UK. Our long-term success depends on the quality of our advice and the relationships we build.
What our clients say.
As a trusted independent financial adviser in Tunbridge Wells, we help clients across the UK with Personalised financial advice, for every stage of life. See what our clients say about our service and how we’ve helped them secure their financial future.
Meet the team.
Our team of expert Independent Financial Planners (IFAs) are based in Royal Tunbridge Wells, Kent and advise clients all over the UK. Locally, we predominantly serve clients across Kent including Ashford, Maidstone, Sevenoaks and Tonbridge. In East Sussex we have clients in Bexhill, Crowborough, Eastbourne, Hastings, Heathfield and Uckfield.
Louise Morris FPFS
Managing Director | Chartered Financial Planner
Helen Carey FPFS
Compliance & Operations Director | Chartered Financial Planner & Pensions on Divorce Expert (PODE)
Frank Harewood FPFS
Chartered Financial Planner & Financial Planning Supervisor
Louise Baughan FPFS
Chartered Financial Planner
Sarah Demmon FPFS
Chartered Financial Planner
Beth Lawton FPFS
Chartered Financial Planner & Pensions on Divorce Expert (PODE)
Laura Ashby CertSMP, CertsCII (MP & ER)
Senior Mortgage Adviser
Sean Adams CertSMP, CertsCII (MP & ER)
Mortgage Adviser
Bryn Evans FPFS
Head of Paraplanning
Amber Burton DipPFS
Senior Paraplanner (Compliance)
Chris Mayo
Paraplanner
Jon-Michael Jiskoot (JM)
Trainee Paraplanner
Ann Tomkinson
Administrator (Paraplanner Support)
Jo Utting
Administrator (Paraplanner Support)
Emma-Jane Crisp MAAT
Finance Manager
Angie Boon
Office Manager
Christine Carroll
Compliance Associate
Sarah Bridgland
Administrator
Mike Subert CTA
Finance Director (Non-executive)
Ross Cooper
Head of Marketing
Heidi
Barketing Assistant
Latest news, guides & articles.
Stay informed with our most recent updates on personal finance, investing, economics, property, and more. We regularly share expert insights to help you make confident financial decisions.
Let’s talk. Get expert financial advice today.
Wherever you are in the UK, we’re here to provide personalised financial advice, for every stage of life.
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Our location.
AV Trinity Limited
Oakhurst House
77 Mount Ephraim
Tunbridge Wells
Kent
TN4 8BS
Tel: 01892 612500
Email: info@avtrinity.com
Areas we cover.
Our office is based in Royal Tunbridge Wells, Kent, but we work with clients across the country.
Locally, we serve individuals and businesses throughout Kent, including Ashford, Maidstone, Sevenoaks, and Tonbridge.
In East Sussex, we have clients in Bexhill, Crowborough, Eastbourne, Hastings, Heathfield, and Uckfield.