Trentham Invest

Business Details

Your Trusted Financial Advisers in Surrey

Trentham Invest is a Surrey-based financial advisory firm dedicated to simplifying complex financial concepts for clients across the UK. With over three decades of combined expertise, our team specialises in pensions, investment planning, and wealth management, prioritising client goals through a structured, transparent process. We are authorised and regulated by the Financial Conduct Authority, ensuring compliance with the highest industry standards. Our approach combines personalised strategy development with ongoing portfolio management, focusing on tax efficiency, asset protection, and long-term growth.

We serve professionals and high-net-worth individuals, offering tailored solutions that align with individual risk profiles and financial objectives. Our commitment to client education and clear communication has fostered long-term relationships, evidenced by consistent client retention and positive testimonials. We maintain rigorous internal systems for process reliability, technology security, and compliance excellence, ensuring both personal and organisational financial stability for our clients.

Services

Pension Advice Investment Planning Wealth Management Portfolio Management Tax Mitigation Strategies Retirement Planning Asset Protection Pension Consolidation Estate Planning Risk Management

Highlights and features

30 years of pension and investment expertise
FCA-authorised and regulated for compliance excellence
Personalised strategies aligned with client goals
Transparent process with ongoing portfolio monitoring
Specialist tax-efficient planning for UK residents

Associations and certifications

Financial Conduct Authority

What people say

Expert pension guidance Transparent process Tax-efficient strategies Personalised investment plans Long-term client relationships

Website

Update Listing

Services

Pension Advice

Our pension advisory service helps clients navigate complex retirement options, including consolidation, drawdowns, and annuities. We specialise in tax-efficient strategies for defined benefit and defined contribution schemes, ensuring compliance with UK pension regulations while maximising retirement income. Clients benefit from personalised guidance on state pensions, private pension transfers, and lifetime allowance management.

Investment Planning

We develop customised investment strategies aligned with individual risk profiles and financial goals. Our approach combines asset allocation, tax mitigation, and market analysis to optimise returns. Services include portfolio monitoring, rebalancing, and performance reporting, with a focus on long-term growth and capital preservation for both UK and international investments.

Wealth Management

Our comprehensive wealth management covers estate planning, tax strategies, and asset protection. We integrate investment management with inheritance tax mitigation and legacy planning, providing holistic solutions for high-net-worth individuals. Regular reviews ensure strategies adapt to changing personal circumstances and market conditions while maintaining regulatory compliance.

Tax Mitigation Strategies

We specialise in UK tax-efficient financial planning, including ISA optimisation, capital gains tax management, and pension tax strategies. Our services help clients utilise available allowances and reliefs to minimise tax liabilities. We provide ongoing advice on income tax planning and intergenerational wealth transfer strategies within legal frameworks.

Asset Protection

Our asset protection services focus on safeguarding client wealth through diversified investment strategies and risk management. We implement structures to protect against market volatility and unexpected life events, combining insurance solutions with prudent portfolio construction. This includes inheritance tax mitigation and emergency fund planning for financial security.

People

Nicola Downs

Company Founder, Independent Financial Advisor

Nicola Downs brings 30 years of experience in financial advisory services, specialising in pensions and investment management. Her strengths include strategic decision-making, client relationship building, and regulatory compliance. She focuses on transforming complex financial scenarios into clear, actionable plans for long-term client success.

Questions

What pension options are available in the UK?

We advise on defined benefit schemes, defined contribution pensions, SIPPs, and annuities, explaining transfer options and tax implications for each.

How can I reduce inheritance tax on my estate?

We implement tax-efficient strategies including trust structures, lifetime gifts, and pension planning to minimise inheritance tax liabilities.

What investment strategies do you recommend?

We create diversified portfolios aligned with your risk tolerance, using tax-advantaged vehicles and regular rebalancing for optimal performance.

How does your financial planning process work?

Our seven-step process includes discovery meetings, strategy development, implementation, and ongoing reviews to adapt to changing circumstances.

Are my investments protected against market volatility?

We employ risk management techniques including diversification, asset allocation, and emergency fund planning to mitigate market fluctuations.

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Reviews (5)

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Lynne Erskine-Booth

May 25, 2021 Report

Worked at Trentham Invest for 5 weeks (sometimes 10 hour days!) and am having to fight through ACAS to get the money that is owed to me, along with my pay slips! Nicola is a bully, unprofessional, rude and treats her staff with utter disrespect. No one stays which says everything about who she is!!!! 5 people resigned within a 9 week period Feb-Apr 2021! FCA....fit and proper she isn't, she's an utter disgrace as an employer and should be completely avoided at all costs!!
Nicola takes no responsibility for her behaviour. Everyone who leaves this company can't be wrong!!

Karl Liparoti

May 01, 2021 Report

Trentham have been looking after my pension investment and providing excellent advice and guidance since 2013 and been doing an excellent job. Our relationship started with me being very sceptical of the value that they could provide despite me knowing virtually nothing about pensions or investments in general. They quickly earned my trust and respect and have helped me exceed my goals and expectations. All the hard working staff at Trentham have my respect and Nicola Downs in particular.

Stuart Gunn

Apr 26, 2021 Report

Positive:Professionalism
Trentham Invest have been looking after my pension portfolio since 2004. Over the years Nicola Downs has always been very professional and knowledge giving helpful and relevant advice and continues to do so. I would definitely recommend Trentham Invest

Ken Claridge

Mar 25, 2021 Report

I have been a client of Trentham Invest since 2006 and all my pension affairs and other investments have been professionally managed by them ever since. I wanted to post this for all the people who face the Lifetime Allowance test at age 75. I had no idea that this was a 'thing'. I asked Nicola Downs for help to assist my understanding of what it means. She supplied a most comprehensive report. The document was very well organised with an easy to understand index and and it flows really well. This enabled me to be able to make choices based on sound financial knowledge. She put my mind at rest

Simon Willcox

Jul 12, 2020 Report

Positive:Professionalism
We recently worked at Trentham Invest as an IT contractor. Working to a clear specification with their helpful staff the assignment was completed successfully and we hope to work with Trentham Invest again soon.