Gemini Advisers in the Top 250

On Sunday 10th April the Sunday Times published their first supplement listing the Top 250 IFAs in the UK based on reviews on the independent consumer ratings website VouchedFor.co.uk. We are proud, but not at all surprised, to say that Gemini Advisers, Paul Reid, Dave Thomas and Gary Metcalf were all featured.

To be included Paul, Dave and Gary were highly recommended by their clients. All had their services rated over 4 stars out of 5, which is a fantastic achievement. We’d like to thank all of the clients who took the time to share their positive feedback on VouchedFor.co.uk.

Comments Adam Price, Founder of VouchedFor.co.uk: “At VouchedFor we’re passionate about helping people find great financial and legal advice. At certain points in life the majority of us would benefit from expert help with complex issues such as pension planning, securing a mortgage or for advice on a legal issue. Listing professionals alongside verified reviews from their existing clients makes it easy to find a respected and trusted expert like Paul to help. We would like to congratulate Paul, Dave and Gary on featuring in the Top 250 – it’s a great endorsement of the service they provide.

You can see Paul’s reviews by going to https://www.vouchedfor.co.uk/financial-advisor-ifa/sutton-coldfield/1624-paul-reid

You can see Dave’s reviews by going to https://www.vouchedfor.co.uk/financial-advisor-ifa/tipton/4254-dave-thomas

You can see Gary’s reviews by going to https://www.vouchedfor.co.uk/financial-advisor-ifa/leicester/4303-gary-metcalf

 

Investment Briefing – January 2016

Welcome to the first Investment Briefing Video for 2016.

Firstly, a belated Happy New Year to all our viewers. In this video, Gemini Investment Manager, Chris Hill, reviews the financial marketplace in 2015 and the key events that shaped the year. Chris then looks forward to what 2016 could potentially bring.

Finally, Chris also outlines the performance of the Gemini portfolios over the past 12 months.

As ever, if you have any feedback, or the video raises any questions, please do not hesitate to contact us at investment.team@gemini-wm.com or speak to your Wealth Manager directly.

http://www.gemini-wm.com/video.php

 

Spending Review and Autumn Statement 2015

The Chancellor, George Osborne, presented his Spending Review and Autumn Statement 2015 on Wednesday 25 November 2015. Attached is our summary of the Spending Review that sets out what government spending will be over the next four years, while the Autumn Statement is an annual update of government plans for the economy.

Compared to the summer Budget 2015, the Office for Budget Responsibility now forecasts higher tax receipts and lower debt interest, with a £27 billion improvement in the public finances.

In the main, this Autumn Statement was reasonably positive for pensioners, but not good news for landlords and second home owners.

There were no changes announced to Income Tax or National Insurance.

The proposed plan to cut tax credits will not go ahead, but it will eventually be phased out with the introduction of Universal Credit.

There was a rise in the State Pension of 2.9%, or £3.35 a week, to £119.30 from 6 April 2016. This will be the biggest ‘real terms’ rise in 15 years and is based on the ‘triple lock’ promise – a minimum rise of 2.5% unless wages (2.9%) or inflation (0%) is higher.

The Individual Savings Account (ISA) allowance limit will remain at £15,240 for 2016/17, and the Junior ISA and Child Trust Fund limits kept at £4,080.

The Chancellor also announced there would be an additional 3% surcharge payable on usual rates of stamp duty for landlords and second home owners from 6 April 2016. This is estimated to raise £1bn by 2021 and will go towards house building in priced-out areas.

In addition, from 2019, landlords and buyers of second homes will have to pay Capital Gains Tax within 30 days as part of a digitisation programme of HM Revenue & Customs’ tax collection services.

Are your financial plans still on track after the Spending Review and Autumn Statement 2015?

There were some positive announcements for individuals and businesses, but it’s clear that raising tax revenue is very much on the Chancellor’s agenda to help balance the UK’s books. To review what action you may need to take to keep your plans on track, please contact us.

Client Services Vacancy

** WE ARE RECRUITING **

We are looking for a hardworking individual to fill a client services vacancy supporting our busy administration team.

This full time role includes:
+ Calling clients.
+ Servicing admin requests.
+ Cover Reception duties.
+ General administration

You must be proficient in the use of Microsoft Excel and Word and have an exceptional telephone manner

Based in Sutton Coldfield within an ambitious company, the role offers excellent support and training.

Hours are 9.00am to 5.00pm.

To apply, please send your CV to info@gemini-wm.com.