ABOUT GIBRALTAR
Gibraltar is a highly regulated jurisdiction, with significant depth and breadth of expertise in the financial services sector. Its strong regulatory framework has embedded stringent anti money laundering and compliance standards which underpin its ability to quickly adapt to new business trends. With its strong ties to the UK, Gibraltar is a trusted yet innovative jurisdiction.
THE GIBRALTAR FINANCIAL SERVICES COMMISSION (GFSC)
Gibraltar observes high standards of supervision and financial regulation. The GFSC is the regulatory authority for all financial services providers operating in and from Gibraltar. All financial services providers, both companies and individuals (including where the latter act as directors of client companies), are required to be licensed and subject to regular inspection by the GFSC.
FURTHER INFORMATION
If you would like further details on our products or services, please contact us on the details below:
STM Fidecs Group of Companies
Montagu Pavilion
8-10 Queensway
Gibraltar
Tel: 00350 200 42686
enquiries@stmfidecs.gi
AVAILABLE SERVICES AND COMPANIES IN GIBRALTAR
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 Gibraltar and to internationally-mobile individuals through STM Fidecs Pension Trustees Limited.
Up to 30% pension commencement lump-sum can be taken from age 55, subject to being non-UK resident for a minimum of five full tax years. Income is taxed at a flat rate tax of 2.5% and declared as income in the client country of residence. Many countries do not tax foreign source pension income and, as such, a Gibraltar QROPS can provide a tax efficient pension transfer solution.
Our range of products available from Gibraltar include:
QROPS & QNUPS
Packaged QROPS products utilising our own in-house life assurance company (STM Life)
QNUPS – available to UK or non-UK residents
Occupational Pension Schemes within Gibraltar
We employ numerous technical specialists and are able to invest in product development to ensure the delivery of innovative and global solutions to both clients and intermediary partners.
Grant Armstrong
Role: Managing Director
Division: STM Life & Pensions in Gibraltar
Telephone: 00350 200 45 877
Email: info@stmfidecs.gi
Annuities:
Following STM Group Plc’s acquisition of London & Colonial Holdings Limited in 2016, the Gibraltar based life assurance provider London & Colonial Assurance PCC Plc (LCA) now offers two investment linked annuity products, the Flexible Pension Annuity (FPA) and the Flexible Life Annuity (FLA) for the UK tax resident market. Both annuities utilise LCA’s Protected Cell Companies (PCC) structure which affords a high level of policyholder protection. In addition to this, both are covered by the UK Financial Services Compensation Scheme.
Life Assurance:
STM Life Assurance PCC Plc (STM Life) is a life insurance company operating out of Gibraltar’s highly regulated and long-established financial centre. Established in 2008, STM Life offers a broad range of product solutions with a specific focus on:
Asset and Investor Protection
Tax Optimisation
Privacy
Inheritance Tax Planning
Flexibility and Transparency
STM Life Assurance PCC Plc
London & Colonial Assurance Plc
PO Box 575
Montagu Pavilion
8–10 Queensway
Gibraltar, GX11 1AA
Email: info@stmlife.com
Email: LCA@stmgroup.online
Telephone: + 350 200 42686
PRODUCT INFORMATION FOR FINANCIAL ADVISERS
