Gemini Wealth

Gemini Wealth works with plan sponsors, institutional and individual clients by providing pension consulting, financial planning, and educational programming. The firm acts primarily as a co‑advisor that introduces clients to a third‑party manager (Matson Money) for discretionary portfolio management and also offers public seminars and workshops at no charge.

Rather than trading client accounts itself, Gemini Wealth recommends, onboards and monitors Matson Money’s model portfolios, assists with paperwork and delivers required disclosures and ongoing reviews. Its investment analysis and portfolio design draw on academic frameworks such as Modern Portfolio Theory, the Efficient Market Hypothesis and multi‑factor models, and its plan services include IPS development and participant education under a limited‑scope ERISA 3(21) role.

Noteworthy features relative to peers include the combination of ERISA pension consulting and free public seminars—both statistically uncommon for firms in this category—and a formal selection and referral relationship with a third‑party manager for which Gemini receives co‑advisor fees. The firm is small and newly formed, does not itself exercise discretionary trading authority or directly manage pooled assets, and discloses potential conflicts of interest while offering clients the option to use other managers.