Gemmells delivers actuarial, investment, pensions and employee benefits support and consultancy to the trustees of pension schemes, as well as to employers. We also offer individual financial and investment management advice, which includes pension and retirement planning, life assurance and income protection. Having identified that there was a need in the professional services market for good value, high quality, employee benefits advice and tailored pensions support, we launched Gemmell Financial Services Limited in St Albans, just north of London, in January 2007. The company was founded by Clair and John Gemmell. They are both actuaries, each with over twenty-five years of experience within major financial institutions and employee benefits consultancies. Since the company’s launch, our team has grown steadily, with the vast majority of our people holding professional qualifications. These include highly qualified chartered financial and investment management advisers, actuaries, accountancy and tax experts, administrators, risk-market specialists, communications and support staff. Our service is underpinned by our expertise, professionalism, reliability and strong internal controls. We also pride ourselves on our attention to quality and detail. All of our clients enjoy the personal and tailored attention of the directors of our business, alongside the support from our expert and professional staff. Our personal approach means we can retain the flexibility and creativity to develop fresh solutions to complex challenges and our clients’ changing needs. We always utilise the full range of skills available from our team when creating innovative solutions, ensuring that our clients benefit from a comprehensive and thorough service. As a result of our service ethos, our growth has been driven by long-term client relationships and referrals by our existing clients, demonstrating that we provide a high quality service which exceeds our clients’ expectations.