Client
Portal

News & Views

Mastering financial planning

Balancing the many responsibilities of motherhood can be overwhelming, often pushing long-term financial planning onto the back burner. However, effective financial planning is essential for everyone, and as a mother, you face unique challenges that require extra attention. Here are some key financial planning steps to help you take control and secure your family’s future. [...]

Tuesday, September 24, 2024Read More

Autumn Budget Statement 2024

On 30 October, Chancellor of the Exchequer Rachel Reeves will deliver the Autumn Budget Statement 2024, accompanied by a comprehensive fiscal statement from the Office for Budget Responsibility (OBR). This significant event comes as the new government, elected to boost economic stability and growth, takes its first important step in addressing the nation’s financial health. [...]

Monday, September 23, 2024Read More

Wealth accumulation

Diversifying your portfolio places you in an advantageous position to seize opportunities across various investments as they emerge. This strategy usually results in a smoother investment journey. But how? The answer lies in the balancing act that diversification encourages. Investments that appreciate in value can offset those that are underperforming. [...]

Tuesday, September 17, 2024Read More

Harnessing the power of Green Pensions

Over recent years, our comprehension of the climate crisis has significantly transformed. Countries and organisations are becoming increasingly ambitious with their net zero targets, while many individuals are making lifestyle alterations to reduce their household carbon emissions. However, some remain oblivious that pensions represent one of our most potent tools for making substantial strides towards net zero. [...]

Tuesday, September 17, 2024Read More

Planning for an early retirement

Early retirement typically signifies reaching financial autonomy before the statutory pension age, usually in the mid-60s. In the United Kingdom, retirees can begin drawing their State Pension at age 66. However, this retirement benchmark is set to increase to age 67 by 6 April 2028. [...]

Monday, September 16, 2024Read More

The future of retirement

The latest research reveals a significant disparity in perceptions regarding retirement experiences of the past and potential future scenarios. Over the past 50 years, a ‘hard stop’ or ‘transitional’ retirement has been the predominant way people have transitioned into retirement. A ‘hard stop’ refers to an abrupt end to working life, while a ‘transitional’ retirement involves gradually reducing working hours. [...]

Monday, September 9, 2024Read More

Book your FREE, no obligation discussion today. Schedule Appointment

Sign Up to our mailing list - Receive regular news, tips and financial commentary from the Gemini Team.

Latest News

  • A concerning trend among UK workers in workplace pensions and long-term saving has been highlighted in recent research. Six in ten employees feel they are not saving enough for retirement, with a third experiencing anxiety when assessing the amount they have saved, the data shows[1]. [...]

  • If you are part of a couple, joint planning is beneficial. Contributing to each other’s pensions and maximising State Pension entitlements ensures both of you can enjoy a comfortable retirement. Managing pensions can seem complex, but we can provide guidance. We can help demystify pension schemes and build confidence in handling your retirement savings. [...]

  • Embarking on your retirement journey is a significant milestone filled with possibilities and new beginnings. However, being aware of potential pitfalls that could undermine your financial security is essential. One of the most prevalent issues is failing to protect against inflation. Known as the ‘silent thief’, inflation can gradually erode your savings and income purchasing power. [...]

  • Embarking on a financial journey with your partner can be both exciting and challenging. Whether you’ve been together for years or are at the start of a new relationship, planning your finances collectively can pave the way for a more secure future. [...]

  • The menopause is a natural phase in a woman’s life, marked by significant physical and mental changes. While much attention is given to the physical and emotional challenges, the financial implications of menopause often remain overlooked. [...]

  • Motherhood is a multifaceted journey, where the daily juggling responsibilities can often push long-term financial planning to the sidelines. Yet, dedicating just a small time window to review your finances could dramatically enhance your financial outlook. While managing finances is important for everyone, mothers encounter challenges requiring tailored financial strategies to ensure stability and growth. [...]

  • As the housing market becomes increasingly competitive, family contributions are crucial in helping younger buyers secure their dream homes. Recent research highlights that generous parents and grandparents are turning to their property wealth to offer this vital support. [...]

  • Retirement is a time many look forward to—a reward for years of hard work with the promise of relaxation and enjoyment. However, a key question persists: how much money is necessary to ensure happiness in retirement? A recent study suggests that the happiest retirees possess a pension pot of approximately £222,000, translating to an average monthly income of £1,700[1]. This income level, which includes a full State Pension, provides an annual income of around £20,400. [...]

  • As the new year approaches, it brings a sense of renewal and opportunity—an ideal time to pause and evaluate your financial plans. This annual reflection is important to ensure your financial plans function at their peak and align with your evolving circumstances. No matter how sound, your financial plans are not immune to the impacts of life’s changes or the ever-shifting landscape of legislation. [...]

  • As we approach our 50s and 60s, retirement looms on the horizon, promising a well-deserved break from decades of hard work. Whether your future plans include travelling, indulging in hobbies, or spending quality time with family and friends, retirement should be the longest holiday of your life. Ensuring your finances are on the right track as you approach this new chapter is crucial. [...]

  • Many people prefer to avoid the subject of long-term care. Most find it hard to contemplate going into a care home when they are older, but many will do so eventually. However, planning for these potential expenses is important before they become urgent. The NHS, while a cornerstone of healthcare in the UK, only covers care costs in specific circumstances, primarily when related to medical health needs. [...]

  • In today’s unpredictable world, safeguarding financial stability is more crucial than ever. Many of us would struggle to keep up with our essential outgoings, such as mortgage and rent if we lost an income due to illness or an accident. [...]

Gemini Wealth Management Ltd is Authorised and regulated by The Financial Conduct Authority Registered in England & Wales No. 5919877 Registered Office: Gemini House, 71 Park Road, Sutton Coldfield, West Midlands B73 6BT The Financial Conduct Authority does not regulate tax and trust advice, will writing and some forms of buy to let mortgages. The guidance and/or advice contained in this website is subject to regulatory regime and is therefore restricted to those based in the UK.

Website by Mellow Marsh Software
© Gemini Wealth Management Ltd
Important Documents | Cookie Policy