SOLUTIONS FOR CROSS-BORDER ADVISINGADDING VALUE & PROTECTING

WEALTH

OVERVIEW

AIMS - WEALTH PRESERVATION & FINANCIAL PLANNING

INTERNATIONAL ASPECTS & CHALLENGES

FINDING COMPLIMENTARY PARTNERS

WEALTH WRAPPER SOLUTIONS

WHO ARE STM

AIMS

WEALTH PRESERVATION AIMS Increase tax optimisationAllow investment flexibilityMaximise capital protectionFacilitate growth potential Ensure fee transparency

AIMS

FINANCIAL PLANNING AIMS ?Provide solutionsAdd value Improve capital protection Increase assets under administrationDevelop the toolkitEarn income

THE GLOBAL MARKETPLACE Challenging

multiplies the number of considerations Rewarding

add value for clients (eg diversification / returns ) gain new funds under management (eg pensions)

Needs the right expertise, products and partners

EXAMPLES OF INTERNATIONAL CHALLENGES Foreign tax concerns eg UK Death Charge; US

Worldwide Taxation; With-holding taxes; etc Foreign currency concerns eg Currency differences;

Exchange controls; Devaluations; etc Foreign investment concerns eg Under funded

pensions; Unstable counterparties; Un-regulated investments; etc

Increasing local regulation . . . worldwide Tax transparency eg FATCA; CRS; etc

USEPWHO’S IT FOR?

FINDING GLOBAL PARTNERS / PRODUCTS Recognised but benign jurisdiction Good regulation, law and professional support Tax efficiency (where you live, not where you

used to) Un-restricted investment scope / currency

flexibility Understandable & transparent

(products/providers/fees) Compliment, not substitute what you do

WEALTH WRAPPERS

Wealth management solutions thatcompliment / add value / protect

INSURANCE BONDS Insurance-based wrappers

PENSIONS Pension plan wrappers

OTHERS Companies / Foundations / Trusts

WRAPPER SOLUTIONS . . .

INSURANCE and PENSION WRAPPERS Globally recognised wealth management tools Accepted worldwide across most legal

frameworks Tax privileged in most countries Non-aggressive tax and estate planning Readily comparable

Asset admissibility Fee structures Residual value treatment

STAR BOND - Insurance PolicyAn investment “wrapper” that... Provides tax free growth + tax efficient

withdrawals1

Accepts a very wide variety of investments Ensures security & segregation of assets Allows flexibility of withdrawals and inheritance

planning Offers fee transparency Issued by a highly regulated EU life insurance

company owned by London Stock Exchange AIM listed group

1 STM recommends that tax and financial advice is always taken from a professional adviser, specific to the prospective applicant’s circumstances & requirements

WHAT IS A STAR BOND ?

WORKS WITH Advisers Planners Managers BanksADDS VALUE

QROPS - Pension Plan Approved pension plans allowing optimisation of

retirement savings from the UK The most straight forward planning solution ever ? “Are you resident in Israel and do you have a UK pension?”

Save up to 45% UK tax on pension payments Save up to 45% UK tax on death Tax free payments if Olim or Toshav Hozer Pension residue tax free to your beneficiaries

USEP - Pension Plan For US Expats who want their retirement savings

to grow free of US Tax and PFIC restrictions A Malta pension plan / DTA Qualified Tax deferral + Tax beneficial withdrawals Target market identification:

- Are you subject to US tax but don’t live in the USA?- Are you accumulating retirement savings outside a US pension?- Are you holding those savings in your own name?

STM - WHAT SETS US APART?

EXPERTISE – some 30 years experience in the field of international wealth protection and one of the worlds largest “QROPS” providers

DURABILITY – listed on the London Stock Exchange AIM

MULTI-JURISDICTION SOLUTIONS to enhance client options & tax

efficiency

FIXED TRANSPARENT FEES clearly disclosed and agreed up-front

INDEPENDENT of any bank or investment manager/adviser

SCALE – some 200 expert staff / multiple jurisdictions / approx $4bn AUM

REGULATED – for all fiduciary, pensions and life assurance business

STM - JURISDICTIONS

EXAMPLES

STM - SUPPORTING ADVISERS

AIMS - PRESERVATION & PLANNING

INTERNATIONAL ASPECTS

COMPLIMENTARY PARTNERS

WEALTH WRAPPER SOLUTIONS

WHO ARE STM

RE-CAP

Warning: This presentation represents a very high level summary. Detailed product notes, plan particulars and related documents should be read before making any decisions. STM recommends that individuals take expert advice related to their own circumstances.

“Helping people pro-

tect and grow their investmen-

ts”

“The essence of the Israeli condition is to be dis-

satisfied” Shimon Peres / Start-Up Nation

THANK YOUQuestions? www.stmlife.com/product-solutions/israel