AV Trinity

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



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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.

26/05/2026

Our Senior Paraplanner, Amber, has shared her personal cancer journey with CoppaFeel.

In the piece, Amber reflects on the physical and emotional impact of cancer, including the effect it can have on confidence, identity and life beyond treatment.

We are grateful to Amber for speaking so openly about such a personal experience, and for helping to raise awareness of the importance of checking your body and seeking support.

Read Amber’s story here:

When Amber was diagnosed with breast cancer at 26, she felt numb. It was a form of self preservation.

15/05/2026

Is your fixed-rate mortgage deal coming to an end soon?

Here are five things worth knowing: The SVR, Act early, Your routes, Your situation and The bigger picture.

Read the full article: https://www.avtrinity.com/news/what-happens-when-your-fixed-rate-mortgage-comes-to-an-end

If you would like to talk through your own situation, you can find out more about our mortgage advice service at https://www.avtrinity.com/mortgage-broker-tunbridge-wells



Your home may be repossessed if you do not keep up repayments on your mortgage.

01/05/2026

Can you invest responsibly without giving up on returns?

Here are five things worth knowing: ESG explained, UK performance, Global markets, Greenwashing risk and Where to start.

Read the full article: https://www.avtrinity.com/news/can-you-invest-responsibly-without-giving-up-on-returns

If you would like to talk through your own situation, you can find out more about our responsible investing service at https://www.avtrinity.com/responsible-investing-tunbridge-wells



Investments can fall as well as rise. You may get back less than you invest. Past performance is not a guide to future returns.