Individuals and families
Gemini Financial Planning will help you and your family accomplish your financial goals through our initial and ongoing advice. The services we provide can range from a simple Remortgage to a sophisticated Financial planning strategy. Whatever your requirements, we will help you make the right decisions at the right time.
We also work closely with fellow professionals to ensure we look at the holistic picture in respect of your financial situation such as Will writing and Tax matters.
Businesses
Whether you are a 'one-man band' or a large corporate company, at Gemini Financial Planning we are able to provide a comprehensive service. We can offer an extensive range of plans from Corporate investment, and Pension planning, to Employee benefits, Shareholder protection and Commercial property purchase.
We also work closely with fellow professionals to ensure we look at the holistic picture in respect of your business' financial situation, such as Tax planning strategies.
Individual and family services we can offer
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Clarity through simplicity…
At Gemini, we take immense care to fully understand the circumstances, needs, objectives and attitude to risk for each and every one of our clients, as there are many factors that govern and influence the choice and suitability of investments.
Whether you wish to utilise your annual ISA allowance, invest a lump sum, or are looking for a vehicle to offset Income Tax and defer Capital Gains Tax, we can provide you with the perfect solution for your needs. We always follow our mantra of maximising return whilst minimising tax throughout all that we do.
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Planning for a secure future…
Many of us try and put off starting a pension as retirement feels ages away, but evidence shows the sooner you start it the better position you will be in when you retire.
The personal service we provide will ensure that we always strive for your pension arrangements to work as hard for you as possible, are invested to match your attitude to risk, provide value for money, and are reviewed regularly.
When the time is right, we can also help with all your retirement options, so you’ll feel financially secure when you need it most.
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Getting it right…
At Gemini, we work extremely hard to ensure that we put in place the correct planning strategy for each of our clients and that those strategies mold around objectives that adapt within a constantly changing world.
We listen to our client’s needs, circumstances, risk profiles, and goals, and focus very heavily on ensuring that our strategies minimise any liabilities and gain maximum profits.
By getting this right at the beginning, we can see exactly where each client can benefit from our expertise.
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Safeguarding your legacy...
Government Inheritance Tax revenue is growing every year and more and more estates are being caught up due to a lack of planning and the freezing of the Nil Rate Band.
If you are liable, most Inheritance Tax liabilities are payable at a rate of 40% of the value of the total estate (less the current Nil Rate Band), which can be a huge sum of money to lose at an already emotional time.
We can assist you to plan carefully in advance, to help reduce your potential liability and minimise the impact for your beneficiaries.
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Choosing wisely…
Buying a house is one of the most, if not the most, important purchases you will make. With so many factors to consider, it can be difficult to know where to begin when looking for a suitable mortgage.
We provide independent mortgage advice, offering the most suitable mortgage from providers across the market to suit your specific circumstances. It’s important to us to find the right mortgage deal and make the mortgage process as smooth as possible.
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Vital protection…
Insurance is an important part of our everyday life. We insure everything from our cars to pets, houses to holidays. All insurance is important, but life insurance is vital if we want to ensure that our loved ones are protected in the event of our death or to cover any outstanding mortgage/debts.
We can make sure you are adequately covered so that you can have peace of mind and it’s one less thing for your loved ones to have to worry about.
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Being prepared…
We are all aware that the demands on the NHS are increasing faster than the resources being made available. This can result in having to wait for treatment or tests, and adding to your stress and worry.
At Gemini, we are able to alleviate some of that stress by facilitating Private Medical Insurance for you and your family. No one knows when or if they will become ill, but by preparing in advance you can benefit from less waiting time, frustration, and worry in the unfortunate event of serious illness or injury.
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Complementary Services…
We also work closely with fellow professionals to ensure we look at the holistic picture in respect of your financial situation such as will writing and tax matters.
We have a great working relationship with these professionals and can guarantee the quality of their work and professional service, saving you time looking around for separate individuals.
Business services we can offer
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Making your money work for you…
Very often the assets of any business are left within non-interest bearing accounts. We can help business owners make their business assets work a little harder until the funds are required by the business.
This can be achieved in a number of ways, some of which are as follows:
• Fixed Term Deposit Accounts
• Offshore Investment Bonds
• Corporate Investment Accounts
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Choosing the best pension scheme…
The world of workplace pensions is very complicated and an array of solutions is available to suit a variety of needs. Whether your business is small or large, with 5 employees or 1000, we can put in place the most suitable pension scheme. Below is just an example of some of the solutions that we can implement:
• Group Personal Pension Scheme
• Occupational Money Purchase Scheme
• Small Self Administered Scheme (SSAS)
• Self Invested Personal Pension (SIPP)In addition to setting up new schemes, we are also able to assume the management of existing schemes from both investment and administrative perspectives. This can occur where business owners/decision makers perhaps feel that the ongoing advice/service has been below the expected level or where the previous servicing agent has retired or left the industry.
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Getting it right…
Government legislation requires employers to automatically enrol eligible workers into a company pension scheme, if they are not already in one.
This legislation affects all employers in the United Kingdom, and employers can be fined if this is not put in place.
At Gemini, we are able to guide employers through the entire process as well as manage the implemented scheme from both an investment and an administrative perspective.
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Choosing wisely…
Do you need or wish to provide employee benefits?
Many businesses provide employee benefits as a way of ensuring business continuity or as part of employee contracts.
We are able to advise on and arrange employee benefits such as:
• Group Private Medical Insurance
• Group Income Protection
• Group Life Insurance and Critical Illness Benefit.
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Vital protection…
Have you thought about what would happen to your business or shares if something happened to you?
Business Protection takes many forms, all of which we are able to arrange. This gives business owners and other shareholders peace of mind to ensure the continuity of the business and also the ability to decide what happens to shares in the event of serious illness or death. To do this we use various mechanisms including:
• Keyman Insurance
• Business Protection Policies
• Shareholder Protection Policies
• Shareholder Cross Option AgreementsThis is by no means an exhaustive list, given the complexity of business protection. Please contact us and we will be delighted to help you protect your business.
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Being prepared…
If you are a business owner looking to sell your business then it’s always a good idea to be prepared for every eventuality in advance.
At Gemini, we have the expertise to ensure that you can minimise your tax liabilities, both at the point of sale and in the future. This has the ability to give you peace of mind through the whole process and potentially more profit.
