WELCOME TO MALTA

Malta is internationally recognised as a jurisdiction providing excellence in financial services and enjoys an extensive network of double tax agreements with more than seventy countries.

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ABOUT MALTA

Malta is situated at the strategic heart of the Mediterranean within easy reach of Europe, Africa, the Middle East, and Asia. It is an independent republic, a full member of the Commonwealth and the European Union, including the Eurozone, and has its own combined civil and common law-based system while also being subject to all EU Directives.
Malta is internationally recognised as a jurisdiction providing excellence in financial services. It offers an attractive cost and tax-efficient base for clients looking for an EU-compliant, yet flexible, domicile. It has its own efficient taxation regime and enjoys an extensive network of double-taxation agreements with more than seventy countries from Australia to the USA. Malta is a corner-stone of efficient structuring options for our EU and world-wide clients and offers itself as an excellent jurisdiction for companies and individuals seeking to protect their wealth.

 

MALTA OFFICE

Our Malta office was opened in Sliema in 2010 and currently employs around 50 people. We provide retirement schemes registered in terms of the Retirement Pensions Act, which qualify as QROPS (Qualifying Recognised Overseas Pension Schemes) by the HMRC.
STM Malta Trust and Company Management Limited is authorised to act as trustee or co-trustee to provide fiduciary services in terms of the Trusts and Trustees Act. STM Malta Trust and Company Management Ltd is also licensed as a Retirement Scheme Administrator in terms of the Retirement Pensions Act.

 

FURTHER INFORMATION

If you would like further details on our products or services, please contact us on the details below:

STM MALTA TRUST & COMPANY MANAGEMENT LIMITED

San Gwakkin Building
Level 1
Triq is-Salib tal-Imriehel
BKR3000 Mriehel
Malta

Tel: 00356 213 33210
info@stmmalta.com

 

Available SERVICES and Companies in MALTA

With a number of QROPS providers to choose from, clients and their advisers need to ensure they choose an established, quality service provider with the commitment and longevity to administer funds for the entire term of the pension. As a company listed on the London Stock Exchange, and with schemes in the key jurisdictions of Malta and Gibraltar, STM are world leaders in the field of pensions.

STM provide pension solutions to companies and individuals resident in Malta and to internationally-mobile individuals through STM Malta Trust and Company Management Ltd.

One of the more recent newcomers to the QROPS arena and, with the added benefit of being a member of the EU, Malta has a wide number of double-taxation agreements, coupled with a sound financial services framework, good corporate governance, and solid regulation.

VAT is not applicable to Trustee services in Malta. Withholding tax of up to 35% is levied on countries that either have no DTA or a limited/remittance-based agreement. Up to 25% pension commencement lump-sum can be taken from age 55 from UK transferred funds. Further information can be obtained upon request.

We provide a complete pension transfer solution for both EU and non-EU residents alike, making the most of over 70 double-taxation agreements Malta has in place with other countries.

Our range of products available from Malta include:

QROPS & QNUPS
Packaged QROPS products utilising our own in-house life assurance company (STM Life)
QNUPS – available to UK or non-UK residents
EURBS – available in other EU countries
US QROPS for those resident in the United States
US Expat Plan
Occupational Pension Schemes within Malta

We employ numerous technical specialists and invest in product development to ensure the delivery of innovative and global solutions to both clients and intermediary partners.

Deborah SchembriDeborah Schembri

BA (Hons) Accty., Dip. Tax., FIA, CPA, MIM, MBA (Henley)
Role: Managing Director
Division: STM Malta Trust & Company Management Limited (Pensions and Trust & Company Management)
Speciality: Personal Pension Schemes and Trust & Company Management
Telephone: 00356 21 333 210
Email: info@stmmalta.com

About Deborah PENSION SERVICES

As pioneers in the field of QROPS, STM are now working with leading pensions lawyers to open up the transfer of pensions in a number of EU countries.

QROPS is a UK proposition, however STM have now made the breakthrough with transfers from Dutch and Irish pension funds, and a number of other EU countries are likely to follow over the course of the next twelve months.
If you have clients with Dutch or Irish pensions and they are no longer resident in either of those countries, there are significant advantages to be gained by transferring to an STM Retirement Plan.

Potential advantages include:

Greater investment choice
Reduced pension administration costs
Consolidation of pension schemes
Income tax savings
Tax savings on death
Benefits passed to loved ones on death
Currency options to help mitigate exchange rate risk

Please feel free to contact us to learn more about pension transfers to an STM EU Retirement Benefit Scheme (EURBS).

Deborah SchembriDeborah Schembri

BA (Hons) Accty., Dip. Tax., FIA, CPA, MIM, MBA (Henley)
Role: Managing Director
Division: STM Malta Trust & Company Management Limited (Pensions and Trust & Company Management)
Speciality: Personal Pension Schemes and Trust & Company Management
Telephone: 00356 21 333 210
Email: info@stmmalta.com

About Deborah PENSION SERVICES

Our Trust and Trustee division include traditional and innovative trust structuring with core activities being:

Establishment of trusts in a number of different jurisdictions
Trusteeship and related services
Maintenance of trust assets
Accounting and maintenance of asset ledgers
Reporting and filing as appropriate
Managing banking relationships and payments

Andrew GardnerAndrew Gardner MBA ACIB TEP

Role: Director
Division: STM Malta Trust & Company Management Limited (Pensions and Trust & Company Management)
Languages:English, French, Spanish
Speciality: Personal Pension Schemes and Trust & Company Management
Telephone: 00356 21 333 210
Email: info@stmmalta.com

About Andrew TRUST & TRUSTEE

OUR CORPORATE ADMINISTRATION SERVICES MEET THE BUSINESS AND INVESTMENT NEEDS OF WEALTHY FAMILIES AND ENTREPRENEURS.

We can help establish companies for a diverse range of needs, including:

management of international assets
holding companies for group structures
international trading activities

Our services ensure that companies are managed effectively from Gibraltar, including regulatory compliance and filings. We manage the full range of possible activities for companies incorporated in Gibraltar or elsewhere and can combine our services to suit specific needs.

Andrew GardnerAndrew Gardner MBA ACIB TEP

Role: Director
Division: STM Malta Trust & Company Management Limited (Pensions and Trust & Company Management)
Languages:English, French, Spanish
Speciality: Personal Pension Schemes and Trust & Company Management
Telephone: 00356 21 333 210
Email: info@stmmalta.com

About Andrew TRUST & TRUSTEE

Malta Foundations are a key element of international financial planning. They may hold any assets internationally, and ultimately, can be used to pass assets to future generations.

The Malta Private Foundation can be set up for any purpose for the benefit of persons, or a class of persons, provided that they are ascertained or can be ascertainable. Unlike a Trust, the Founder can have greater control over the Foundation assets, thus giving flexibility in approach and a degree of control not otherwise available under Trust Law.

Andrew GardnerAndrew Gardner MBA ACIB TEP

Role: Director
Division: STM Malta Trust & Company Management Limited (Pensions and Trust & Company Management)
Languages:English, French, Spanish
Speciality: Personal Pension Schemes and Trust & Company Management
Telephone: 00356 21 333 210
Email: info@stmmalta.com

About Andrew TRUST & TRUSTEE

With a high standard of living, Mediterranean climate, and strong links to Europe, Malta is a popular choice for ultra- high-net -worth individuals seeking to take advantage of the benefits of attaining residency and citizenship status.

Malta is a member of the EU and the Eurozone and offers extremely favourable and competitive tax rates. It is fully compliant with OECD standards, having implemented internationally agreed tax standards ensuring it is a white listed jurisdiction as well as one of high repute.
Our efficient and experienced team will guide you through the official paperwork and assist with all the specific requirements of the programme.

Andrew GardnerAndrew Gardner MBA ACIB TEP

Role: Director
Division: STM Malta Services Limited
Languages:English, French, Spanish
Speciality: Residency and Citizenship
Telephone: 00356 21 333 210
Email: info@stmmalta.com

About Andrew RESIDENCY SOLUTIONS