A multi-jurisdictional, highly regulated financial services group supporting advisers and their clients.
Providing market-leading solutions across Europe for over 35 years.
Our product solutions actively support clients with their specific needs.
Over £4.3bn assets under administration.
STM was founded in Gibraltar in 1989 and admitted to AIM in 2007. In 2024 the group was taken private, and it is now backed by private investors with long experience of regulated financial services. Their mandate is simple: protect what has been built, invest in the people and technology that serve advisers, and grow carefully.
Leadership, governance and day-to-day operations sit with the executive teams in Gibraltar, Malta and the UK, under a group board that includes independent non-executive directors. Meet the leadership team.
At STM Group, we understand the vital role you play in guiding clients towards a secure financial future. That’s why we’re committed to providing independent financial advisers with the highest level of support, ensuring you have the confidence and tools needed to serve your clients effectively.
We work closely with the adviser community and investment professionals, delivering market-leading retirement and wealth solutions designed to meet evolving client needs. Our approach is built on listening: identifying gaps in the market and responding with best-in-class products that add real value.
Backed by a leadership team with deep pensions expertise and a robust operational infrastructure, we provide a stable and responsive partnership you can rely on. With STM, you have the assurance of working with a company that prioritises security, innovation, and the long-term success of both advisers and their clients.
We provide tailored, multi-jurisdictional financial solutions across a range of products, including retirement solutions, wealth preservation, international bonds, pension administration and workplace pensions.
We deliver this by:
Partnering closely with advisers, clients and our stakeholders, shareholders and distribution partners
Investing in highly engaged, client-focused colleagues who consistently deliver exceptional service
Leading with strong governance and a role-model approach to compliance
Innovating in both product and technology to develop customer-led, cost-efficient and robust solutions
Operating a multi-jurisdictional distribution model across key markets to offer greater choice
Embedding and living our values in everything we do
STM founded in Gibraltar as a trust and fiduciary business.
Gibraltar pensions team formed; STM Fidecs becomes a leading QROPS provider.
Admitted to AIM on the London Stock Exchange.
STM Life Assurance PCC Plc established in Gibraltar.
Malta office opens; the pensions division expands into the EU.
London & Colonial Assurance (founded 2001) joins the group.
The Premier SSAS business (founded 1996) joins the group.
Delisted and taken private after seventeen years as a public company.
New private ownership focused on stability, investment and growth.
Our values guide how we act, how we make decisions, and how we work together, setting the standards that shape our culture and the experience we create for our people and customers.
Across STM Group, we are committed to:
Client assets are held in protected cells, trusts or registered schemes, legally distinct from the company and from each other, with Malta scheme funds held in scheme-specific accounts reconciled daily.
Fixed, published fee schedules. Fair value assessments and target market statements for every product.
Technical teams with decades in self-invested pensions, annuities and cross-border tax, available to advisers directly.
Long-duration products need a long-duration business. Private ownership and conservative capital keep us there.