International Tax Planning

Our advisory team provides international tax advice and assistance, including:

• International tax planning for corporate and individuals (including estate planning)
• Cross-border structuring
• Obtaining preferential tax status for High Net Worth Individuals and relocating senior executives
• Tax-efficient remuneration planning

For more information contact Andrew Gardner on
00350 200 42686
or e-mail andrew.gardner@stmfidecs.gi

International Pension Services

STM Group provides pension services for both resident and internationally mobile individuals allowing for efficient and flexible use of pensions planning and potential release of funds.

• Pension transfers (QROPS) for those wishing to transfer their pension scheme from the UK
• QNUPS – available to UK or non-UK residents
• Global Pension Plan for those living or working abroad.

For more information contact David Erhardt on
00350 200 43182
or e-mail david.erhardt@stmfidecs.gi

Offshore Life Bonds

Wrapping assets in an Offshore Bond can provide a legitimate and effective way to shelter gains and income.

Benefits of an Offshore Life Bond include:

• Wealth accumulation - assets held accumulate in a tax-efficient environment
• Gross Roll-up - the underlying portfolio gains are not subject to tax at source
• Control of Tax Point - you can choose when to take benefits, when you are no longer a UK resident
• Time Apportionment Relief - if you spend time living outside the UK, any chargeable gain arising on the bond will be reduced
• Wide Range of Allowable Assets
• Inheritance Tax Planning - assignment to a spouse or partner would normally be exempt from inheritance tax

For more information contact David Cameron on
00350 200 42686
or e-mail david.cameron@stmlife.com

Structured Benefit Services

STM Group offer innovative tax-efficient remuneration and benefit solutions. These include:

• Employee Benefit Trusts
• Employer-Funded Retirement Benefit Schemes (EFRBS)

For more information contact David Erhardt on
00350 200 43182
or e-mail david.erhardt@stmfidecs.gi

Trust and Company Services

Our Trust and Company department work with family advisers and local experts to produce a mix of expertise tailored to your individual or family requirements.

We can help look after your assets, including:

• Family businesses
• Homes & Investment properties
• Traded investment assets

STM Group also provides corporate administration services which can help our clients to utilise companies for a diverse range of needs, including:

• International trading activities
• Holding companies for group structures
• Management of international assets

For more information contact Andrew Gardner on
00350 200 42686
or e-mail andrew.gardner@stmfidecs.gi