Green Gem Financial Limited is a firm of Independent Financial Advisers (IFA's), based in Birtley in the north east of England. Green Gem was formed in 1998 and has since earned an excellent reputation for the service of its clients throughout the UK. We specialise in Pension and Retirement Planning which includes Pension Switching or Pension Transfers, Enhanced Annuities for open market options, Pension Fund Withdrawal (including the drawdown of tax free cash for the over 55's), and Company pension planning for the government's new NEST scheme due to roll out in 2012.