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.



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.



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.



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

Montagu Pavilion
8-10 Queensway

Tel: 00350 200 42686


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:

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.

David Easton MBA ACIB TEPDavid Easton MBA ACIB TEP

Role: Managing Director
Division: STM Fidecs Life, Health & Pensions Limited; STM Fidecs Pension Trustees Limited
Languages: English
Speciality: International Pensions, QROPS, QNUPS & EURBS
Telephone: 00350 200 45 877
Email: info@stmfidecs.gi


An Offshore Bond is a unit-linked insurance wrapper which contains a range of underlying assets.

STM Life bonds allow you the complete freedom to either create your own bespoke portfolio or to appoint an Investment Adviser to manage the portfolio. Alternatively STM Life will appoint an Investment Adviser to the bond.
In most jurisdictions an Offshore Bond is viewed as a non-income producing asset and investments can generally be traded without incurring immediate tax liabilities, other than a small amount of withholding tax deducted at source. This allows you to benefit from tax deferral as taxation charges will not arise until certain withdrawals are taken from the bond or the bond is surrendered.


STM Life Assurance PCC Plc
London & Colonial Assurance Plc
PO Box 575
Montagu Pavilion
8–10 Queensway
Gibraltar, GX11 1AA
Email: info@stmlife.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 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: info@stmfidecs.gi



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.

Lesley NuttallLesley Nuttall
Janet OrrellJanet 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: info@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.

EXAMPLELynette Chaudhary

Role:International Tax Director
Division: STM Fiscalis Limited
Languages: English
Telephone: 00350 200 42686
Email: lynette.chaudhary@stmfidecs.gi


Gibraltar is one of the premier domiciles within Europe for insurers wishing to underwrite risks anywhere within the European Union. Insurance companies incorporated in Gibraltar can take advantage of European law with a single licence issued by the Gibraltar FSC.

STM Fidecs Insurance Management Limited has helped insurance companies set up and run their operations from Gibraltar for the past decade. Please click on the insurance management tab for further information on how we can help your business benefit fully from the competitive advantages this domicile provides.

Lisa Casemore BBS (Hons) FCCA Dip CIILisa Casemore BBS (Hons) FCCA Dip CII

Role: Director
Division: STM Fidecs Insurance Management Limited
Languages: English
Speciality: Insurance Management, Insurance Licensing
Telephone: 00350 200 42686
Email: info@stmfidecs.gi


Gibraltar has become popular with high-net -worth Individuals who are increasingly taking advantage of the fiscal and lifestyle advantages attainable by establishing ‘Category 2’ residency.

Gibraltar affords a unique and attractive personal tax regime for high-net-worth individuals who wish to establish ‘Category 2’ residency status to ensure their wealth is preserved in a safe and secure tax efficient jurisdiction. Gibraltar also offers many lifestyle advantages and enjoys a close relationship with the UK, as well as a beneficial geographical connection to mainland Europe and Africa. STM Fiscalis Limited can assist in all matters related to obtaining ‘Category 2’ residency in Gibraltar and in maximising its benefits.

Lynette ChaudharyLynette Chaudhary

Role: Director
Division: STM Fiscalis Limited
Languages: English
Speciality: Category 2 and High Executive Possessing Specialist Skilss (HEPSS) residency regimes
Telephone: 00350 200 42686
Email: info@stmresidencysolutions.com