Helping you build, protect and pass on your family’s wealth.

YOUR WEALTH. THEIR FUTURE.

Financial planning that thinks beyond one generation.

Family wealth can take years, sometimes generations, to build. But without the right planning, transferring that wealth effectively can become complicated.

We help you understand where you are today, what you want your wealth to achieve and how different financial decisions could affect your family in the years ahead.

That might mean planning for your own retirement while helping your children onto the property ladder. It could mean funding education for grandchildren, making lifetime gifts, reviewing your estate or simply making sure your family would be financially secure if circumstances changed.

It’s your wealth – but the plan can reach much further than you.

WHAT DOES FAMILY WEALTH PLANNING LOOK LIKE?

Building your wealth

Creating a long-term investment and financial strategy around the future you want.

Planning for retirement

Making sure your own future is secure before deciding how and when to support others.

Supporting your children

From education and first homes to weddings, businesses and other major milestones.

Helping the next generation

Planning financial gifts for children and grandchildren in a considered and sustainable way.

Protecting your family

Putting the right financial protection and plans in place should the unexpected happen.

Passing on your wealth

Considering estate planning, Inheritance Tax and how you would like your wealth to eventually be distributed.

YOU’VE SPENT YEARS LOOKING AFTER THEM.

Let’s make sure your financial plan does too.

As a parent or grandparent, there’s always something to think about. School fees. University. First homes. Weddings. Your own retirement. Helping ageing parents. And eventually, what you want to leave behind.

These decisions don’t happen in isolation.

By looking at your family’s finances as one bigger picture, we can help you understand what you can afford to do, when it makes sense to do it and how those decisions fit alongside your own long-term financial security.

YOUR FAMILY’S FINANCIAL PICTURE

Bringing the different pieces together.

• Your income & savings
• Investments
• Pensions & retirement
• Property
• Protection
• Children & grandchildren
• Gifting
• Estate & Inheritance Tax

Because good family wealth planning isn’t about looking at one product or one moment in isolation. It’s about understanding how everything connects.

Your Gemini adviser can help bring those pieces together into a plan built around your family, your priorities and your future.

PASSING WEALTH ON

Helping more of what you’ve built reach the people you built it for.

Eventually, family wealth planning becomes about what happens next.

We can help you explore how you may be able to pass wealth to the next generation in a way that reflects your wishes while considering your own financial security, gifting, estate planning and potential Inheritance Tax implications.

And importantly, those conversations don’t have to wait until later life.

The earlier you understand your position, the more time you may have to plan.

INVOLVING THE WHOLE FAMILY

Financial planning doesn’t have to stop with one generation.

Where appropriate, Gemini can help bring different generations into the conversation.

That could mean helping your children understand an inheritance, supporting younger family members as they begin investing or simply making sure everyone understands the plans you’ve put in place.

It creates continuity and gives the next generation somewhere to turn when they need financial guidance of their own.

WHATEVER YOUR FAMILY’S NEXT MILESTONE…

Let’s plan for it together.

Your family’s financial future won’t look exactly like anyone else’s.

That’s why we start with a conversation, understanding the people who matter to you, what you’ve already built and what you would like your wealth to make possible.

From there, we can create a financial plan designed to grow and adapt alongside your family.