Legal Information

STM Fiduciaire, Jersey

Jersey is the stalwart of the offshore smaller financial centres and remains a key gateway to investment into the UK and other countries. It is highly regarded and well regulated, having received substantial plaudits from such as the International Monetary Fund in 2009. In addition to the normal trust and company offerings, Jersey Foundations are likely to be of particular interest to persons based in the Middle East, Asia and Continental Europe to whom the concept of a trust is less familiar.

STM Fiduciaire is regulated by the Jersey Financial Services Commission

STM Fidecs, Gibraltar

Gibraltar is a well regulated jurisdiction that is based within the European Union (EU) and therefore must abide by all EU directives. Gibraltar enjoys passporting rights throughout the EU in all financial services matters including banking, investment services, insurance, insurance mediation and reinsurance. Gibraltar-licensed financial services firms have access to a European market of approximately 500 million people.

STM Fidecs is regulated and authorised by the Gibraltar Financial Services Commission.

STM Swiss AG, Switzerland

Switzerland has always been seen as a solid, stable jurisdiction in which to base asset administration vehicles. Its independence and flexibility for efficient tailored solutions is second to none. Switzerland is a particularly attractive place of residence for individuals. Generally, there is an option for non-Swiss nationals who move to Switzerland to negotiate a lump sum tax status. For international operating companies, it is possible to negotiate a tax privileged treatment for their non-Swiss source income.

STM Swiss is regulated by SRO PolyReg.

STM Nummos SL, Spain

Spain is, without doubt, a country that is considered attractive for retirement purposes, yet its laws and tax legislation are complicated, not least because they are in an unfamiliar language. However, there remain opportunities for expatriates to protect their assets from both a tax and forced-heirship inheritance perspective. In addition, working expatriates with a substantial income can take advantage of lower income tax rates offered by ‘Beckham’s Law’.

STM Nummos is regulated by the Director General de Seguros, Fondos y Pensiones.

STM Malta Trust and Company Management Limited, Malta

Malta is situated in the strategic heart of the Mediterranean, within easy reach of Africa, Europe, the Middle East and on to Asia. It is an independent republic, a full member of the European Union, including the Eurozone, and of the Commonwealth and has its own combined civil and common law based system while also being subject to all EU Directives.

STM Malta is registered by the Malta Financial Services Authority

Why STM Group?

As a pan-European business spanning five jurisdictions, STM Group is able to offer innovative tax planning solutions to a growing international client base of corporate clients and High Net Worth Individuals.

Our products include Offshore Life Bonds, Structured Benefit Services (including EFRBS and EBTs), International Tax Planning, Trust and Company Services and International Pensions.

With offices in Gibraltar, Jersey, Switzerland, Malta and Spain and various established associations in, amongst others, Israel, we are abl e to provide bespoke solutions to professionals, intermediaries, Independent Financial Advisers and their clients.