Gemini Wealth Group

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

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

Taking tax-free cash from your pension can feel like a straightforward decision.But what you do next matters.If you with...
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/

Do you know where all your pension pots are?For many people, the answer is no.Every time you change jobs, there’s a chan...
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/

Many people assume passing on wealth means losing a large portion to tax.But that’s not always the case.With the right p...
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/

When uncertainty rises, most people do one thing.They pause.Hold more cash.Delay decisions.Wait for things to “settle.”I...
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/

Is legal planning still sitting on your to-do list?📝 You’re not alone.The important things, legal planning, Wills, Power...
28/04/2026

Is legal planning still sitting on your to-do list?📝

You’re not alone.

The important things, legal planning, Wills, Powers of Attorney, are often the ones we delay the longest because they feel overwhelming.

The good news? You don’t have to tackle everything at once.

Our guide helps you understand what to prioritise and why, giving you a simple starting point for getting your legal life organised📥

Download the guide and turn “I’ll do it later” into a first step today: https://geminiwealthgroup.com/download-category/legal-services/

Half of UK workers say income protection would make them feel more financially secure.But only 27% actually have it.That...
27/04/2026

Half of UK workers say income protection would make them feel more financially secure.

But only 27% actually have it.

That gap matters.

Because for most people, their income is their biggest asset. It covers the mortgage, the bills, and the everyday cost of living.

And yet it’s often the least protected.

The reality is:
• Many households have limited savings
• Debt levels are rising
• Time off work could create immediate pressure
• Income protection isn’t about expecting the worst.

It’s about making sure that if something does happen, your financial life doesn’t unravel at the same time.

This article explores why the protection gap exists, who’s most exposed, and how to think about protecting your income properly.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/is-your-income-protected/

If you’re self-employed, no one is setting up your pension for you.And for many, that’s where the problem starts.Nearly ...
23/04/2026

If you’re self-employed, no one is setting up your pension for you.

And for many, that’s where the problem starts.

Nearly two-thirds of freelancers aren’t saving enough for retirement. Not because they don’t care, but because everything else feels more urgent.

Cash flow. Clients. Tax. Growth.

Retirement gets pushed back. Until it becomes a much bigger problem later on.

The reality is:
• The state pension alone is unlikely to be enough
• Irregular income makes saving feel harder
• Many don’t know where to start

But doing nothing has a cost.

The good news is that pension saving doesn’t need to be rigid. Flexible contributions and small, consistent actions can build momentum over time.

This article explores what’s really happening and how to start taking control without overcomplicating it.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/the-self-employed-pension-gap/

Cut through the jargon✂️Legal planning can feel overwhelming, not because it’s impossible, but because of the language s...
21/04/2026

Cut through the jargon✂️

Legal planning can feel overwhelming, not because it’s impossible, but because of the language surrounding it.

Terms like Power of Attorney, trust structures, inheritance tax thresholds, and estate administration can make important decisions feel far more complicated than they need to be.

The reality? These are simply tools designed to protect your family, your assets, and your wishes.

Our latest guide breaks down the legal essentials many people know they should organise, but often put off, in clear, straightforward language📘

Download the guide and start planning with confidence
today: https://geminiwealthgroup.com/download-category/legal-services/

Long-term care is one of the biggest financial risks most people don’t plan for.Yet: • 1 in 4 people will need it • Cost...
20/04/2026

Long-term care is one of the biggest financial risks most people don’t plan for.

Yet:
• 1 in 4 people will need it
• Costs are rising sharply
• State support is limited and means-tested

And in many cases, families only confront these realities when it’s too late to plan properly.

Care home fees now average close to ÂŁ1,000 per week, with some significantly higher depending on location and level of care. For those funding it themselves, the financial impact can be substantial.

The challenge isn’t just the cost.
It’s the lack of preparation.

This article explores:
• How care is funded in the UK
• Why costs are increasing
• The options available to plan ahead
• How early decisions can protect your future

Planning early doesn’t mean expecting the worst. It means being prepared for it.

👉 Read the full article: https://geminiwealthgroup.com/wealth-management-insights/long-term-care-how-to-plan-for-your-future/

Address

Gemini House, 71 Park Road
Sutton Coldfield
B736BT

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

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