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Monday 8am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 8am - 1pm

Gemini Wealth Group

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Sutton Coldfield
Gemini Wealth Group

Your strategic partner for every stage of your financial planning journey

Established in 2006 in Sutton Coldfield, the Gemini team provides professional, unbiased, financial products advice, financial planning, investment, wealth management and tax efficiency advice to both private individuals and businesses alike. Our team of qualified, accredited financial advisors utilise in excess of 300 years combined experience to work closely with clients to provide the most effe

ctive financial advice to meet your own unique requirements. Our pro-active approach can open up areas of your financial 'well-being' that you perhaps hadn't considered. Our cross divisional links offer solutions in line with your individual requirements

Unless you work in the financial services industry, financial planning and decision making can be a virtual minefield, causing undue stress whatever your level of investment. Our team of IFA's are available to help you make the right decisions regarding your money, helping to remove unnecessary stress. Our philosophy is always to:

+ Provide friendly, courteous and efficient service;
+ Always exceed your expectations;
+ Listen to what YOU are saying;
+ Communicate with you quickly and fully;
+ Never surprise you with costs you're not expecting;
+ Be honest, truthful and upfront with you at all times;
+ Aim for you to pay the least amount of tax payable within the law;
+ Provide pro-active business advice wherever possible. To find out more about how our team of Financial Advisers can help you please call FREE on 0800 255 0123 or contact us here

17/07/2026

Sometimes the hardest part is simply knowing where to begin.

If you've been putting off writing your Will or arranging a Lasting Power of Attorney, this is the perfect opportunity to ask questions in a welcoming, relaxed environment.

Join us on Tuesday 21st July and leave with greater confidence and clarity about your next steps.

📍 Choose from three sessions:
🕙 10:00am
🕑 2:00pm
🕕 6:00pm

📞 We'd love to welcome you—book your place today:
☎️ 0121 354 2700
📧 [email protected]

16/07/2026

£10,825 raised. One incredible community effort💙⛳

Our annual Gemini Charity Golf Day at Sutton Coldfield Golf Club raised a record-breaking £10,825 for PANS PANDAS UK and Sutton Coldfield Cancer Support Centre.

With 87 players, glorious sunshine and the amazing generosity of our clients, staff, suppliers, local businesses and friends, this year's event was our biggest yet.

Earlier today, Gemini Director Mark Thomas had the pleasure of presenting a cheque for £5,412.50 to Sutton Coldfield Cancer Support Centre.

A huge thank you to everyone who played, sponsored and donated. Your support will make a real difference to two fantastic charities😄

14/07/2026

Legal planning doesn't have to feel overwhelming.

If terms like Wills, Executors and Lasting Powers of Attorney sound confusing, join us for a friendly seminar designed to make everything clearer.

No complicated language.
No pressure.
Just practical guidance to help you make informed decisions.

📅 Tuesday 21st July
🕙 10:00am | 🕑 2:00pm | 🕕 6:00pm

☎️ Call us on 0121 354 2700
📧 Or email [email protected] to book your place.

09/07/2026

Join us on Tuesday 21st July for a relaxed seminar covering two of the most important legal documents you can have in place: Wills and Lasting Powers of Attorney.

Whether you've been meaning to write your Will, have questions about protecting your loved ones, or simply want to understand your options, we're here to help—without the jargon.

📍 Choose the session that suits you:
🕙 10:00am
🕑 2:00pm
🕕 6:00pm

📞 Spaces are limited, so book your place today:

☎️ 0121 354 2700
📧 [email protected]

25/06/2026

83% of UK adults say life feels less predictable.

That uncertainty is showing up in financial decisions.

Some people are holding more cash.
Some are delaying retirement.
Some are withdrawing pension money earlier than planned.
Others are trying to build a bigger savings buffer.

None of these choices are automatically right or wrong.

What matters is whether they fit your circumstances, your timeframe, and your long-term goals.

When the world feels unpredictable, a clear financial plan can help you separate reaction from strategy.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/how-to-navigate-financial-unpredictability/

22/06/2026

Most people protect their home, car, and phone. But what about the income that pays for them?

Recent research found that half of UK workers believe income protection would make them feel more financially resilient, yet only 27% currently have cover in place.

That gap matters.

If illness or injury stopped you from working, would your household still be able to cover the essentials?

Mortgage or rent.
Bills.
Food.
Childcare.
Everyday living costs.

Income protection is designed to provide a regular monthly income if you cannot work due to illness or injury, helping reduce financial pressure while you focus on recovery.

This article explores why the protection gap exists, who may be most exposed, and why reviewing your income protection could be an important part of your wider financial plan.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/half-of-uk-workers-see-income-protection-as-vital/

14/05/2026

Taking tax-free cash from your pension can feel like a straightforward decision.

But what you do next matters.

If you withdraw a lump sum and then pay money back into a pension, you could fall foul of pension recycling rules.

The issue is not simply taking tax-free cash.

It is whether HMRC believes the withdrawal was deliberately used to generate extra pension tax relief.

That can lead to serious tax penalties.

This article explains:
• How pension recycling works
• Why HMRC monitors it closely
• The potential penalties involved
• How to stay on the right side of the rules

Before accessing pension cash, it is worth understanding the wider consequences.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/pension-recycling-2/

11/05/2026

Do you know where all your pension pots are?

For many people, the answer is no.

Every time you change jobs, there’s a chance another pension gets left behind. Over time, those forgotten pots can become difficult to track, especially if contact details change or paperwork gets lost.

In fact, millions of pension pots in the UK are now considered “lost”.

The challenge isn’t just finding them. It’s understanding:
• What each pension contains
• Whether valuable benefits are attached
• If consolidation actually makes sense for you

Sometimes combining pensions simplifies everything. Other times, it can mean giving up valuable features without realising it.

This article explains what happens to your pension when you leave a job, how to track old pensions down, and what to consider before making changes.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/do-you-have-multiple-pension-pots-to-keep-track-of/

01/05/2026

Many people assume passing on wealth means losing a large portion to tax.

But that’s not always the case.

With the right planning, there are several ways to support your children and grandchildren without triggering Inheritance Tax.

The reality is:
• You can gift thousands each year tax-free
• Regular gifts from surplus income can fall outside your estate
• Even larger gifts can become tax-free over time

Yet many families don’t use these allowances at all.

Not because they don’t want to help.
But because they’re unsure how the rules work.

This article breaks down the practical ways to pass on wealth efficiently, so your money benefits your family rather than being lost unnecessarily.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/smart-gifting/

29/04/2026

When uncertainty rises, most people do one thing.

They pause.

Hold more cash.
Delay decisions.
Wait for things to “settle.”

It feels sensible.

But it’s not always helpful.

Because uncertainty doesn’t just affect markets.

It shapes behaviour.

And over time, doing nothing can quietly work against you.

The reality is some are:
• Building savings
• Pulling back from investing
• Delaying retirement decisions

But the strongest position usually sits somewhere in the middle.

A balance between short-term security and long-term growth.

This article explores how to think clearly during uncertain times, what actions actually help, and how small adjustments can build confidence over time.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/living-with-uncertainty/

Address

Gemini House, 71 Park Road
Sutton Coldfield
B736BT

Opening Hours

Monday	8am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	8am - 1pm

Website

http://www.geminiwealthgroup.com/

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