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Trentham Invest
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Adviser
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Director

Nicola Downs is the Director and Independent Financial Adviser. She has built the company on the philosophy of openness and honesty that is so important to her.

Nicola has spent most of her working life in Financial Services and has acquired invaluable experience and knowledge working in the City prior to setting up her business in the Mole Valley. Nicola has specialist qualifications in Corporate and Personal Pensions, Taxation and Trusts, as well as Investment Portfolio Planning. These Industry-recognised accreditations mean Nicola is highly qualified and experienced IFA in the UK.

My Top 5 Strengths

  1. Activator - turns thoughts into action
  2. Maximiser - seeks to transform something strong into something superb
  3. Relator - enjoys close relationships with others
  4. Belief - has core values that are unchanging
  5. Achiever - hard worker who loves to be busy and productive

What they say...

Nicola's Qualifications

FPC - Financial Planning Certificate - (referred to now as: Level 3)

Originally developed for financial advisors, to provide a broad based knowledge of key topics for financial planning, this qualification has 3 component parts:

FPC 1 - Regulation and compliance.

FPC 2 - Protection, savings and investment products.

FPC 3 - Identifying and satisfying client needs.

AFPC - (Advanced Financial Planning Certificate) – In order to complete this qualification Nicola had to obtain three units:

1) G60 - Pension (CII) - Enhanced general pension knowledge, particularly in pension transfer and opt out business.

2) G10 - Taxation and Trusts (CII) - Assessed knowledge and understanding of the UK tax system, the law and practice of trusts, but also ability to advise individual clients on the tax treatment of their investments and use of trusts to meet their current and foreseeable futures needs.

3) G20 - Personal Investment Planning (CII) - Assessed knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable needs.

JO4 - Pension Funding Options (CII) - Be able to demonstrate an understanding of the main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer analysis; state retirement benefits available, including risks and suitability of contracting out of the State Second Pension.

JO5 - Pension Income Options - Be able to demonstrate an understanding of the process of decumulating pensions funds and the main issues for clients and advisers; main choices facing members of pension schemes during decumulation; features, risks and tax treatment of unsecured pension options; features; risk and tax treatment of phased retirement and tax treatment of the alternatively secured pension option.

PFS - Personal Finance Society Diploma - Required attaining at least 140 credits with at least 80 at diploma level. Ability to demonstrate a high level of expertise with specialist knowledge of financial products, providing detailed analysis of financial information and devise solutions to complex financial problems.

"From my initial meeting with Nicola 12 years ago, a good working relationship has developed. I have no hesitation recommending Nicola to friends and colleagues. I do this knowing she will provide a knowledgeable first class service." Michael Cross , Miguel X Enterprises Ltd
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The office pets
Herman
Bentley
Tel: 01306 881999
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Trentham Invest ltd is Authorised and Regulated by the Financial Services Authority. registration number 218325.
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