Business Details
14 Years
experience
Independent Financial Advisers in Cheltenham
Founded in 2012 by Chris Furley and Julian Sutton, our firm was established to deliver accessible, independent financial advice while maintaining the highest professional standards. Our independence allows us to provide unrestricted advice tailored to individual client needs, ensuring optimal value and choice. With over a decade of combined experience in financial services, we specialise in creating bespoke strategies for private and corporate clients, covering investments, pensions, tax planning, and protection. Our team's collaborative approach and strong client relationships form the foundation of our service, which prioritises long-term financial security. We hold full authorisation from the Financial Conduct Authority and maintain SIFA accreditation, reflecting our commitment to regulatory compliance and client trust.Our tiered service model ensures cost-effective, ongoing support, while our partnerships with legal and accounting professionals enable holistic financial solutions. We offer transparent pricing with no initial obligations, covering everything from mortgage advice to complex estate planning. Our growth since inception has expanded our expertise, allowing us to serve individuals and businesses with equal dedication. Client education remains central to our philosophy, demonstrated through quarterly market updates and personalised guidance. This combination of experience, integrity, and client-centric focus distinguishes us in the financial planning sector.
Services
Financial Planning
Pension Advice
Mortgage Solutions
Tax Planning
Investment Management
Estate Planning
Business Protection
Corporate Investment
Private Medical Insurance
Employee Benefits
Details
- Year established: 2012
Highlights and features
- We offer 12+ years of combined experience in independent financial planning
- Our FCA-authorised team provides tailored, transparent financial strategies
- We maintain SIFA accreditation for regulatory compliance excellence
- We deliver holistic solutions through professional partnerships with solicitors and accountants
- Our tiered service model ensures cost-effective, ongoing client support
Associations and certifications
- SIFA
What people say
Expert guidance
Personalised service
Clear communication
Regulatory compliance
Long-term planning focus
Services
Financial Planning
We create comprehensive financial plans tailored to individual circumstances and goals. Our approach considers risk profiles, investment preferences, and long-term objectives while ensuring tax efficiency. Clients receive ongoing support to adapt strategies as life circumstances change.
Pension Advice
Our pension specialists help clients maximise retirement savings through SIPP arrangements and workplace pension schemes. We provide guidance on contribution strategies, tax relief optimisation, and retirement income planning to ensure financial security in later life.
Tax Planning
We develop legal tax mitigation strategies focusing on inheritance tax reduction and capital gains tax deferral. Our solutions include Enterprise Investment Schemes and Business Relief qualifying investments to protect client assets effectively.
Business Protection
We implement protection strategies for business owners including keyman insurance and shareholder agreements. Our solutions ensure business continuity during unexpected events while safeguarding share value for stakeholders.
Investment Management
We construct diversified investment portfolios aligned with client risk tolerance and financial goals. Our approach combines market analysis with regular reviews to optimise returns while maintaining appropriate risk levels across different market conditions.
People
Chris Furley
Co-Founder
With extensive financial services experience, Chris specialises in investment strategy and pension planning. He focuses on delivering clear, actionable advice while maintaining Gemini's commitment to client-centric service and regulatory excellence.
Julian Sutton
Co-Founder
Julian brings expertise in tax planning and business protection solutions. He ensures Gemini's advice remains technically robust while maintaining accessibility for clients at all financial levels through straightforward communication.
Questions
What services does Gemini offer for business owners?
We provide corporate investment solutions, pension scheme management, employee benefits packages, and business protection strategies including keyman insurance and shareholder agreements.
How does Gemini approach financial planning?
We begin with a comprehensive assessment of your financial situation, then create tailored strategies that evolve with your changing needs while maintaining tax efficiency.
Are initial consultations free?
Yes, we offer complimentary introductory meetings with no obligation, allowing you to understand our services before committing to any financial planning arrangement.
What areas do you cover?
While based in Cheltenham, we serve clients throughout Gloucestershire and beyond, offering both in-person and remote advisory services.
How are ongoing services charged?
We use a transparent tiered charging structure aligned with service complexity, ensuring cost-effectiveness while maintaining the highest advisory standards.
What makes Gemini different from other advisers?
Our combination of SIFA accreditation, FCA authorisation, and collaborative approach with legal professionals provides unique value through comprehensive, compliant financial solutions.
