WELCOME TO GIBRALTAR
Gibraltar is a highly regulated and transparent jurisdiction. It affords access to the EU single market in financial services, coupled with the benefits of a Gibraltar-based regulatory regime.
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ABOUT GIBRALTAR
Gibraltar is a highly regulated jurisdiction and enjoys the full benefits of EU Membership. Gibraltar provides access to the European Union's financial services markets, coupled with the benefits of a Gibraltar-based regulatory regime. In addition, the Gibraltar Financial Services Commission has received a series of ringing endorsements from international regulatory bodies enabling Gibraltar to fulfil all international and EU-wide directives concerning financial services, and other matters such as money laundering.
GIBRALTAR OFFICE
STM is one of the longest-standing and most prominent fiduciary businesses in Gibraltar and was admitted to the Alternative Investment Market of the London Stock Exchange in March 2007. Founded in 1989, STM operates principally from Gibraltar and specialises in financial planning both for high-net-worth individuals making cross-border investments, or moving to work, live, or retire overseas, and for entrepreneurial, predominantly owner-managed businesses expanding into, or re-locating to, other, frequently lower, tax jurisdictions.
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
info@stmgroupplc.com
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: gibraltar@londoncolonial.com
Telephone: + 350 200 42686
We look after the assets of affluent families, caring for future generations through our trustee services. We work with clients from a range of backgrounds, including entrepreneurs, those with inherited wealth, and families that live, or have assets spread across international boundaries.
We can help protect your assets including: family businesses, homes, chattels such as cars and other valuables, investment properties and traded investment assets.
Generally, we work with family advisers and local experts to produce a mix of expertise tailored to your individual or family needs.
Michael Gonzalez | BSc (Hons) TEP
Role: Director
Division: STM Fidecs Trust Company Limited
Languages: English and Spanish
Speciality: Trust Technician and Provision of Trustee Services
Telephone: 00350 200 42686
Email: fiduciaryinfo@stmfidecs.gi
OUR CORPORATE ADMINISTRATION SERVICES MEET THE BUSINESS AND INVESTMENT NEEDS OF WEALTHY FAMILIES AND ENTREPRENEURS
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 activities for companies incorporated in Gibraltar, or elsewhere, and can combine our services to suit specific needs.
Janet Orrell | Dip. ICSA, MAAT
Role: Directors
Division: STM Fidecs Management Limited
Languages: English
Speciality: Company Management Services + Private Client Services
Telephone: 00350 200 42686
Email: fiduciaryinfo@stmfidecs.gi
Our internationally-trained and qualified professionals have many years of combined experience in international tax planning.
Through our extensive expertise we offer you advice on the establishment, implementation, and monitoring of complex international structures, whether as a private client or as an international organisation.
Continually researching and developing new products, ideas, and strategies ensures we stay ahead in a field that is constantly changing and evolving.
Lynette Chaudhary
Role:International Tax Director
Division: STM Fiscalis Limited
Languages: English
Telephone: 00350 200 42686
Email: lynette.chaudhary@stmfidecs.gi
PRODUCT INFORMATION FOR FINANCIAL ADVISERS
