Gemini Wealth Management

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Dedicated Retirement Planning

From 6th April 2015, or 'pensions freedom day' as it has been termed, the UK pension landscape changed forever. From that date, individuals were given flexibility over all the money in their 'defined contribution' retirement savings plans, regardless of the plan size.

The new freedoms have opened up a number of differing options for those approaching their retirement, however, careful consideration needs to be given in order to make the most appropriate choice based on your individual circumstances.

If you were banking on the government pensions regime to provide for you in your retirement, or if you had planned your retirement finances more than one year ago, you may find your previous retirement planning now needs updating. Otherwise, your retirement may be less enjoyable than it should be.

Pension options

New rules have removed the restrictions of pensions of old. You are now allowed to save, invest or spend your pension funds as you wish.

You could choose to access your entire pension fund, choose how to receive the tax-free element of your pension or change any contributions you make to your pension fund.

If you are over 55, from 6th April 2015, whatever the size of your defined contribution pension, you are able to withdraw whatever you like, subject to your marginal rate of income tax. 25% of your pension pot will remain tax-free.

If you want the security of buying an annuity with your pension, you will still be able to purchase one or if you prefer greater control over your finances, you can still drawdown your pension using income drawdown options

The combination of available options and new flexibility of pensions requires careful consideration and professional advice depending upon your personal circumstances. Click here to contact one of our advisers

Pension advice from Gemini Wealth Management

Independent Financial Advisers (IFAs) are able to select from all the products available in the marketplace. The adviser must take into account any proposed product's; benefits; charges & prices; flexibility; service and financial strength. Making sure you get the right product for your individual needs and in the case of pensions to provide a thorough pension explanation.

Gemini clients receive independent financial advice, which is tailored to their personal needs and expectations. This enables us to take into account other factors that can impact your financial planning, pension and investment decisions. These personal factors may include; bereavement (widow, widower); relationship status (single person, married, gay, lesbian, partner, divorced); incapacity (illness, disability, sickness); relations (dependants, family, children, elder care); social security (allowance, benefits, tax credits); personal finance issues (bankruptcy, insolvency, criminal record, bad credit rating); investments (stocks, shares, ISA, cash, funds, bonds, equity, property, gold etc).

We recognise that our clients are at the heart of our business and that we can only secure trust and loyalty from our clients by continually providing first class pension and investment advice and by delivering unrivalled personal care.

What to do next?

It pays to plan ahead for retirement and to regularly re-examine your investment choices. If you have a company pension, personal pension, stakeholder pension or service pension you need to consider how well these and your other investments will work together to provide for your retirement.

Gemini WM provides dedicated retirement planning, pension, financial and investment advice so that you can have peace of mind and enjoy your retirement.

For more information on planning retirement pensions please see:

Our seminar section for: Seminars on planning for retirement

To discuss your retirement plans further please call us on the number at the top of the page or send us an email using our Contact Us page.

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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 consumers based in the UK.

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