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AV Trinity

Independent, privately owned Chartered financial advice firm. Fixed-fee, whole-of-market advice through salaried advisers. Advising clients across the UK.

Established in Tunbridge Wells in 1986. Personalised financial advice, for every stage of life. AV Trinity is an independent Chartered Financial Planning firm and Mortgage Brokers. We provide unbiased and unrestricted advice to our clients based on a comprehensive and fair analysis of the whole market.

19/10/2026

Could your business survive without its key people? Key person insurance is a policy a business takes out on someone it depends on. If that person dies or, where the cover includes it, is seriously ill, the business receives a lump sum.

A key person is not always the owner. It could be the person who looks after your biggest clients, or someone whose knowledge would be difficult to pass on. Money does not replace the person, but it gives the people left behind time to make considered decisions.

Our latest article explains who counts as a key person, how the amount of cover is worked out, how premiums and payouts are taxed, and how to judge whether your business needs cover at all.

Read the full article: https://www.avtrinity.com/news/what-is-key-person-insurance-and-does-your-business-need-it

If you own or run a business that depends on one or two people, a free initial consultation is available with a Chartered Financial Adviser.

Our business protection page: https://www.avtrinity.com/business-protection-key-person-business-ownership

The suitability of any protection or financial arrangement depends on individual circumstances. Tax treatment and related rules can change over time, and their effect will depend on personal circumstances.

01/10/2026

What happens to an equity release plan when you die or move permanently into care? It is repaid, usually out of the sale of the home, and the trigger is the last surviving borrower rather than the first of a couple to go.

Nothing falls due on a first death. The plan continues in the survivor's name, and a surviving partner keeps the right to stay in the home.

The pressure comes from what has to happen next. Contracts commonly allow around twelve months, but your executors cannot complete a sale in England and Wales until probate is granted, and interest carries on accruing the whole time. Nobody inherits a shortfall, because the no-negative-equity guarantee caps what is owed at the value of the property once it is sold. What that guarantee does not do is limit how much of your home the loan ends up taking.

There is one more point that catches families out, and it arrives when a will divides an estate. If your home is left to one child and your savings to another, the loan is repaid from the home, so a single inheritance carries the whole debt.

Our latest article covers what triggers repayment, what a surviving partner keeps, whether a plan can be repaid without selling, and how the balance falls when an estate is divided unevenly.

If you have an equity release plan, or are considering one, a free initial consultation is available with a qualified Equity Release Adviser.

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Your home may be repossessed if you do not keep up repayments on a mortgage. Investments can fall as well as rise, and you may get back less than you invest.

21/09/2026

What are the main alternatives to equity release? There are five. A retirement interest-only or ordinary mortgage, downsizing, drawing on your pensions and savings, help from family, and the benefits and grants that often go unclaimed.

Most of them cost less, because equity release is the one route where the interest is usually left to build up against your home. The trade-off is that borrowing more cheaply means monthly payments, and a lender has to be satisfied you could keep them up if one of you died and income fell.

Our latest article works through each alternative in turn, what downsizing really frees up once moving costs come out, and when equity release is still the better answer.

Read the full article: https://www.avtrinity.com/news/what-are-the-main-alternatives-to-equity-release-in-the-uk

If you are considering equity release, or weighing up the alternatives, a free initial consultation is available with a Chartered Financial Adviser.

Our equity release page: https://www.avtrinity.com/equity-release-tunbridge-wells-kent

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Your home may be repossessed if you do not keep up repayments on a mortgage. Investments can fall as well as rise, and you may get back less than you invest.

01/09/2026

Can you protect your assets from care home fees? There are legitimate ways to plan, but you cannot simply give things away. If a council decides a gift or a trust was made to avoid care fees, it can assess you as if you still owned the asset, with no time limit on how far back it looks.

Our latest article explains how the deprivation of assets rules work, why trusts sold as asset protection deserve caution, and the planning that genuinely holds up, from will-based trusts for couples to annuities that cap the cost.

Read the full article: https://www.avtrinity.com/news/can-you-protect-your-assets-from-care-home-fees-in-the-uk

If you want to plan for care costs in a way that stands up, a free initial consultation is available with a Chartered Financial Adviser.

Our care fees planning page: https://www.avtrinity.com/care-fees-planning-advice-tunbridge-wells

Investments can fall as well as rise. You may get back less than you invest.

17/08/2026

What are your options for funding long-term care in the UK? A means test decides what the local authority pays, and above a set level of assets you meet the full cost yourself. The rest comes from income, savings, pensions or property, and most families use a combination.

Our latest article explains how the means test works, where the family home stands, and the main routes self-funders rely on, from immediate needs annuities to pensions and equity release.

Read the full article: https://www.avtrinity.com/news/what-are-your-options-for-funding-long-term-care-in-the-uk

If you are facing care fees now, or planning ahead for them, a free initial consultation is available with a Chartered Financial Adviser.

Our care fees planning page: https://www.avtrinity.com/care-fees-planning-advice-tunbridge-wells

Investments can fall as well as rise. You may get back less than you invest.

31/07/2026

Is a personal injury payout taxable? Not usually when it arrives. There is no income tax or capital gains tax on the award itself. Once the money is invested, though, the interest, dividends and growth it produces can all be taxed.

Our latest article explains what changes once a payout is put to work, and how ISA and pension allowances can reduce the ongoing tax bill.

Read the full article: https://www.avtrinity.com/news/is-a-personal-injury-payout-taxable-in-the-uk

If you would like help investing or structuring a payout tax-efficiently, a free initial consultation is available with a Chartered Financial Adviser.

Our personal injury payout advice page: https://www.avtrinity.com/personal-injury-payout-advice-tunbridge-wells-kent-east-sussex

Investments can fall as well as rise. You may get back less than you invest.

15/07/2026

A personal injury payout often arrives after a long and difficult process. For many people it is the largest sum of money they will ever receive, and the decisions made in the following weeks can shape their financial security for years to come.

Our latest article covers what matters in the first few weeks, how to approach investing what remains, and when professional advice earns its value.

Read the full article: https://www.avtrinity.com/news/what-should-you-do-with-a-personal-injury-payout-and-when

If you would like help deciding how your payout should be held, invested or structured, a free initial consultation is available with a Chartered Financial Adviser.

Our personal injury payout advice page: https://www.avtrinity.com/personal-injury-payout-advice-tunbridge-wells-kent-east-sussex

⭐⭐⭐⭐⭐ Rated 5.0 on Google by 150+ clients: https://maps.app.goo.gl/8F6ZM3g17v4JvnQH9

Investments can fall as well as rise. You may get back less than you invest.

01/07/2026

When a shareholder dies, their shares pass to their estate. Without the right arrangements in place, the surviving shareholders may have no legal right to buy those shares back, no agreed price, and no funds available to make the purchase even if both sides are willing.

Our latest article explains what happens, what is at risk, and how shareholder protection insurance and a cross-option agreement work together to prevent the business falling into the wrong hands.

Read the full article: https://www.avtrinity.com/news/what-happens-to-a-business-if-one-of-its-shareholders-dies

A free initial consultation is available with a protection specialist if you would like to review your shareholder protection arrangements.

Our business protection page: https://www.avtrinity.com/business-protection-key-person-business-ownership

⭐⭐⭐⭐⭐ Rated 5.0 on Google by 150+ clients: https://maps.app.goo.gl/8F6ZM3g17v4JvnQH9

The suitability of any protection or financial arrangement depends on individual circumstances.

15/06/2026

Your email account is the master key to your digital life. Whoever controls it can reset passwords on investment platforms, pension providers and other financial accounts linked to it, without ever needing to know those passwords.

Our latest article explains how this works. It covers credential stuffing, password managers, two-factor authentication, how to spot a scam and more, with a practical checklist at the end.

Read the full article: https://www.avtrinity.com/news/are-you-already-a-target-for-online-fraud-and-dont-know-it

We publish useful articles on personal finance throughout the month. We are Chartered Financial Planners. Follow us for more articles like this.

02/06/2026

Most people put considerable thought into getting a mortgage. Far fewer stop to consider what happens if illness, injury or death makes the payments impossible.

Our latest article covers all five. A protection review often turns up gaps people did not realise were there.

Read the full article: https://www.avtrinity.com/news/if-something-went-wrong-could-you-still-pay-your-mortgage

A free initial consultation is available if you would like to discuss your own protection.

Our insurance and protection page: https://www.avtrinity.com/family-protection-life-insurance-broker-tunbridge-wells-kent

Your home may be repossessed if you do not keep up repayments on your mortgage. The suitability of any protection or financial arrangement depends on individual circumstances.

Address

77 Mount Ephraim
Tunbridge Wells
TN48BS

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.avtrinity.com/

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