The Azure Retirement Benefit Scheme ("Azure") is an international defined contribution personal pension plan that is licensed and regulated by the Malta Financial Services Authority. Azure offers four levels of membership with excellent investment options, transparency, flexibility and great value for money. We are committed to providing exceptional customer service and treating our customers fairly. www.azurepensions.com info@azurepensions.com

1. AZURE PENSIONS’
The Azure Retirement Benefit Scheme
“AZURE”
From
Integrated-Capabilities (Malta) Ltd

2. The purpose of this presentation is to…
 Introduce Azure
 Tell you about Azure’s key features and benefits
 Explain who it’s designed for and why it may be most suitable for your clients
 Tell you a bit about us
 Explain why we believe that you and your clients will…….
‘Experience the difference’
www.azurepensions.com

3.  Azure is licensed and regulated as a Personal Retirement Scheme by the Malta
Financial Services Authority (“MFSA”)
 Azure is a defined contribution retirement scheme and is registered with Her
Majesty’s Revenue & Customs (“HMRC”) as a Recognised Overseas Pension
Scheme (“ROPS”) – HMRC ROPS List
 As a ROPS Azure can accept transfers from any eligible pension arrangement
that someone holds, provided that domestic laws permit such transfers
 It is permissible to transfer from the vast majority of UK registered personal or
occupational pension schemes
 Azure Pensions is the retirement solutions arm of Integrated-Capabilities
(Malta) Ltd (“ICML”)
‘Experience the difference’
www.azurepensions.com

4.  A ROPS is an international retirement scheme administered by a trustee in a
jurisdiction outside of the UK which meets certain criteria stipulated by HMRC
 This enables an eligible ROPS to receive transfers from a UK registered pension
scheme without incurring an ‘unauthorised payment’ meaning there will be no
tax charge deducted from the transferring pension fund
 A ROPS does not have to be established in the country where someone resides
or intends to retire. This means an individual can move their pension fund to
another jurisdiction and have retirement benefits paid to them in their country
of tax residence
 Popular jurisdictions for ROPS are Malta and Gibraltar as their financial
services frameworks are based on the UK model
 ICML are based in Malta and are licensed and regulated as retirement scheme
administrators and trustees
‘Experience the difference’
www.azurepensions.com

5. Azure has many benefits and as a Malta based ROPS it offers a number of Key
Features & Benefits…
 No requirement to buy an annuity
 Flexible investment options
 Portability
 No CGT or income tax on investments
 Direct holding in commercial property is permitted
 Up to 25% of the pension fund paid gross as a PCLS
 Potential tax-efficiencies on retirement income
 Protection against currency exchange rate fluctuations
 No IHT deducted on death and wealth passed on easily
 Protect against the UK Lifetime Allowance limit, and charge
 There are four levels of membership available
 Our fees are affordable and transparent
 No Exit Fee on transfer back out to a UK Pension Plan
‘Experience the difference’
www.azurepensions.com

6. Azure’s fees are structured to be transparent and there are four levels of
membership. The fee is determined by the chosen investment strategy and size of
the initial transfer or contribution. Each level of membership offers excellent
investment options, transparency, flexibility and value for money.
‘Experience the difference’
www.azurepensions.com

7. There are a number of scenarios whereby Azure (as a ROPS) should be beneficial to
receive the transfer of an individual’s pension(s):
 Where a UK resident has built up a pension fund in a UK registered pension
scheme and is now resident in another country within the European Economic
Area (“EEA”), or intending to reside outside of the UK within the EEA, or
 Where a UK resident leaves the UK to emigrate (or to retire abroad within the
EEA) having built up a pension fund in a UK registered pension scheme, or
 When a non-UK national who has spent some time working in the UK and built
up benefits in a UK registered pension scheme decides to return to their home
country (within the EEA) with an expectation of then retiring there
A ROPS can receive transfers from UK occupational or personal pension schemes
and from both defined contribution and defined benefits pensions.
‘Experience the difference’
www.azurepensions.com

8.  Azure Pensions is the retirement solutions arm of Integrated-Capabilities
(Malta) Ltd ("ICML")
 ICML is licensed by the Malta Financial Services Authority ("MFSA”) to act as a
retirement scheme administrator to retirement schemes registered under the
Retirement Pensions Act, 2011
 Additionally ICML is licensed by the MFSA to act as a trustee, provide fiduciary
services and to act as an administrator of private foundations
 ICML was established in 2012 and is a subsidiary of I-Cap Group Ltd (“I-Cap
Group”) which also has an international financial services business based in the
Isle of Man that is licensed by the Isle of Man Financial Services Authority
(“IOMFSA”) to provide corporate and trust services
 I-Cap Group can trace its roots back to 2001 as an IOMFSA licensed and
regulated entity, www.i-capgroup.com
‘Experience the difference’
www.azurepensions.com

9.  We keep things simple and straight forward
 We believe that trust is built and earned
 We are committed to providing the highest level of customer service
 We are very flexible in our approach to finding solutions and we listen to our
customers
 We provide peace of mind from a team of highly experienced people
 We embrace corporate social responsibility
 We operate a robust but flexible Investment Guidelines Policy
‘Experience the difference’
www.azurepensions.com

10. We’d love to hear from you…
Email: info@azurepensions.com
Tel: 00356 2247 8888
Web: www.azurepensions.com
Address: Integrated-Capabilities (Malta) Ltd, 45/13
Strait Street, Valletta, VLT 1434, Malta
‘Experience the difference’