Gemini Wealth Group

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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 effective 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

𝗬𝗼𝘂 𝗽𝗹𝗮𝗻 𝗵𝗼𝗹𝗶𝗱𝗮𝘆𝘀 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿. 𝗬𝗼𝘂 𝗺𝗮𝗻𝗮𝗴𝗲 𝗵𝗼𝘂𝘀𝗲𝗵𝗼𝗹𝗱 𝗯𝗶𝗹𝗹𝘀 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿. 𝗬𝗼𝘂 𝗺𝗮𝗸𝗲 𝗯𝗶𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿.But when did ...
16/10/2026

𝗬𝗼𝘂 𝗽𝗹𝗮𝗻 𝗵𝗼𝗹𝗶𝗱𝗮𝘆𝘀 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿. 𝗬𝗼𝘂 𝗺𝗮𝗻𝗮𝗴𝗲 𝗵𝗼𝘂𝘀𝗲𝗵𝗼𝗹𝗱 𝗯𝗶𝗹𝗹𝘀 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿. 𝗬𝗼𝘂 𝗺𝗮𝗸𝗲 𝗯𝗶𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿.

But when did you last talk about your pensions?

Research suggests fewer than one in five non-retired people have discussed their pension or retirement plans with their partner.

Yet retirement is one of the biggest financial transitions a couple will face.

It's not just about how much you've both saved. It's about understanding where your retirement income will come from, how you'll use your savings and what happens financially if one of you dies.

And importantly, making sure both partners understand the arrangements, rather than leaving everything to one person.

A conversation today could help avoid uncertainty and difficult decisions later.

Our latest article explores why couples should plan for retirement together and the important questions worth discussing.

👉 Read more: https://geminiwealthgroup.com/wealth-management-insights/are-you-and-your-partner-ready-for-retirement/

Once the school runs, packed lunches and after school routines are back in full swing, it can feel like there is always ...
13/10/2026

Once the school runs, packed lunches and after school routines are back in full swing, it can feel like there is always something else to think about. 🎒☕

But amongst looking after everyone else, it is worth making time for your own plans too.

A Family Wealth Review can help you bring the bigger picture together, giving you the opportunity to think about your finances, your priorities and what you want the future to look like for you and your family. ❤️

Because all those little things you do today are part of looking after tomorrow.

🔗 Make time for the plans that matter. Book your Family Wealth Review:
https://geminiwealthgroup.com/family-wealth-planning/

𝗜𝗳 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝘀𝗽𝗲𝗮𝗸 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗱 𝘀𝗲𝗹𝗳, 𝘄𝗵𝗮𝘁 𝗮𝗱𝘃𝗶𝗰𝗲 𝗺𝗶𝗴𝗵𝘁 𝘁𝗵𝗲𝘆 𝗴𝗶𝘃𝗲 𝘆𝗼𝘂?Perhaps it would be to start saving earl...
13/10/2026

𝗜𝗳 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝘀𝗽𝗲𝗮𝗸 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗱 𝘀𝗲𝗹𝗳, 𝘄𝗵𝗮𝘁 𝗮𝗱𝘃𝗶𝗰𝗲 𝗺𝗶𝗴𝗵𝘁 𝘁𝗵𝗲𝘆 𝗴𝗶𝘃𝗲 𝘆𝗼𝘂?

Perhaps it would be to start saving earlier. To plan more carefully. Or to think beyond the day you stop working.

New research suggests many retirees wish they had done things differently.

• 31% say their standard of living is worse than before retirement.
• 30% regret not saving regularly during their working lives.
• 29% wish they had started pension saving earlier.

But retirement planning isn't just about how much you save. It's also about understanding how to turn those savings into an income that could need to last for decades.

The experiences of today's retirees offer valuable lessons for those still preparing for life after work.

Our latest article explores what retirees wish they'd known and how planning ahead could help you avoid similar regrets.

👉 Read more: https://geminiwealthgroup.com/company-news/what-i-wish-id-known-before-i-retired/

Back to school season comes with plenty of lists. 🎒✏️ But once the uniforms, stationery and school bags are sorted, what...
09/10/2026

Back to school season comes with plenty of lists. 🎒✏️ But once the uniforms, stationery and school bags are sorted, what’s still sitting on yours?

A Family Wealth Review gives you the opportunity to bring everything together. From pensions and investments to inheritance planning and protecting your family, it can help you understand where you are today and what might need attention next. 📝

One review. One clearer picture of your family’s financial plans.

🔗 Book your Family Wealth Review and start working through your list:
https://geminiwealthgroup.com/family-wealth-planning/

You wrote a Will. Job done?Not necessarily.Think about what might have changed since you signed it.• A marriage or divor...
09/10/2026

You wrote a Will. Job done?

Not necessarily.

Think about what might have changed since you signed it.
• A marriage or divorce.
• A new child or grandchild.
• A house move.
• Changes to your finances.

Different relationships with beneficiaries or executors.

A Will written years ago may still be legally valid while no longer reflecting the wishes you have today.

And if you don't have one at all, the rules of intestacy determine how your estate is distributed, which may be particularly important for unmarried couples who do not have the same automatic inheritance rights as spouses and civil partners.

A Will should evolve as your life does.

Our latest article looks at what a Will can protect, the decisions it allows you to make and why reviewing it regularly matters.

👉 Read more: https://geminiwealthgroup.com/wealth-management-insights/protecting-your-loved-ones-with-a-will/

Now that the school run is back and routines are settling in, it can be a good time to turn your attention back to the p...
07/10/2026

Now that the school run is back and routines are settling in, it can be a good time to turn your attention back to the plans that may have taken a back seat over the summer. 📚✨

Family wealth planning is about looking beyond individual financial decisions and considering the bigger picture:

🥇 What you want to achieve?
🏡 How you can support the people closest to you?
📈What do you want your wealth to make possible in the years ahead.

A little planning today can help bring greater clarity and confidence to tomorrow.

🔗 Find out more about Family Wealth Planning and how Gemini Wealth Group can help: https://geminiwealthgroup.com/family-wealth-planning/

Having a pension isn't the same as having a retirement plan.You might know the value of your pension pot.But do you know...
06/10/2026

Having a pension isn't the same as having a retirement plan.

You might know the value of your pension pot.

But do you know what lifestyle it could actually provide?

Or how much you'll need each month? Where your income will come from? How you'll take money from your pension tax-efficiently? What happens if markets fall or you live longer than expected?

Those are very different questions.

Retirement planning is about connecting the money you've accumulated with the life you want it to fund.

And if there is a gap between the two, discovering it earlier gives you something incredibly valuable:

Time to do something about it.

Our latest article explores five questions that can help you understand whether your finances and future plans are really aligned.

👉 Read more: https://geminiwealthgroup.com/wealth-management-insights/five-questions-to-ask-yourself-before-retirement/

You plan the days out, pack everything they might need and take care of all the little things along the way. ☀️🧳But look...
05/10/2026

You plan the days out, pack everything they might need and take care of all the little things along the way. ☀️🧳

But looking after your family isn’t only about today. Taking time to think about your finances, future plans and the people who matter most can help you feel more prepared for what lies ahead.

A Family Wealth Review gives you the opportunity to look at the bigger picture and make sure your financial plans continue to reflect what matters to you and your family. ❤️

📅 Ready to take some time for your own plans? Get in touch with the Gemini Wealth team to book your Family Wealth Review.

🔗 https://geminiwealthgroup.com/family-wealth-planning/

Think every gift has to survive the seven-year rule to escape Inheritance Tax?Not necessarily.There is a lesser-known ex...
01/10/2026

Think every gift has to survive the seven-year rule to escape Inheritance Tax?

Not necessarily.

There is a lesser-known exemption called ‘normal expenditure out of income’.

If you regularly have income left over after maintaining your usual standard of living, qualifying gifts made from that surplus may be immediately exempt from IHT.

There are three important conditions:
• It must come from income: Not existing savings or other capital.
• It should be regular: There needs to be a recognisable pattern of gifting
• It must be affordable: The gifts cannot leave you unable to maintain your normal lifestyle

Good record-keeping matters too, as your executors may eventually need to demonstrate that the exemption applied.

Our latest article explains how the rules work and why this often-overlooked exemption could form part of wider family wealth planning

👉 Read more: https://geminiwealthgroup.com/wealth-management-insights/inheritance-tax-gift-rule-many-families-may-be-overlooking/

Picture your first Monday in retirement.There’s no commute. No meetings. No alarm set for work.So, what do you do instea...
28/09/2026

Picture your first Monday in retirement.
There’s no commute. No meetings. No alarm set for work.

So, what do you do instead?

Perhaps retirement means travelling more. Learning something new.

Volunteering. Spending more time with family. Working occasionally because you enjoy it. Or simply having the freedom to slow down.

Retirement planning isn't only about answering “Will I have enough?”

It’s also about asking “What do I want my life to look like?”

Once you understand that, your pensions, savings and investments can be planned around the lifestyle you actually want to create.

Our latest article explores practical ideas for building a retirement with purpose, flexibility and plenty to look forward to.

👉 Read more: https://geminiwealthgroup.com/wealth-management-insights/what-will-retirement-look-like-for-you/

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

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