Licensed by the Malta Financial Services Authority
+356 2707 5754 info@templar-eis.com
Templar EIS Ltd.
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Malta based, EU licensed, established 2015

Independent investment advice for cross borders.

Templar EIS advises UK expats and international clients living in the EU on their pensions, savings and investments. We charge for our time and advice, not for the products we recommend!

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25+ yearsAdviser experience in UK and EU pensions
EU passportedAdvice across EU member states
No CommissionsFees and charges are transparent and agreed before onboarding
The Blue Lagoon, Comino, Malta
Regulator
MFSAMalta Financial Services Authority, the single regulator for financial services in Malta.
Licence
Class 3Investment firm authorised under the Investment Services Act (Cap 370 of the Laws of Malta) and MiFID II.
Incorporated
2015Templar EIS Ltd., registered in Malta.
Remuneration
Fee basedWe do not take commissions. All fees, costs and charges are set out in advance.
About us

Built for clients the UK high street left behind.

Templar EIS Ltd, was incorporated in Malta in 2015 and is licensed by the Malta Financial Services Authority (MFSA) to provide investment services in Malta and to clients residing in the European Union as a Class 3 investment firm under MiFID II.

Templar specialises in advising both UK expatriate and other international clients residing in the EU and EEA, who require specific EU licensed financial services. We work with you to manage and protect your wealth, offering independent and transparent investment advice.

At Templar EIS, the needs of our clients come first. We strongly believe in the importance of working together to build rewarding relationships, and working closely with our clients enables us to help them fulfil and achieve their objectives.

Our aim is to provide all our clients with quality independent investment advice, since major investment decisions can have significant and life changing consequences. Our approach is very open and transparent, with no hidden fees or commissions.

Registered name
Templar EIS Ltd.
Company registration
C 70357
Legal entity identifier
98450063843E71C81D21
Advisers in discussion with clients around a meeting table
Mission statement

Informed decisions, made with the full picture in front of you.

At Templar EIS Ltd, our mission is to empower individuals and businesses to make informed financial decisions by offering tailored bespoke services, sustainable investment strategies and expert guidance in retirement and wealth planning. We are committed to providing innovative, transparent, and ethical solutions that align with our clients' financial goals, values, and long term aspirations.

Through personalised services in pension management, savings, investments, and ESG strategies, we strive to create lasting value while maintaining the highest standards of integrity, compliance, and responsibility.

Our goal is to build trusted, long term relationships with our clients, helping them secure a prosperous future while contributing positively to the global community.

How we work

Bespoke planning, built around where you live and how you are taxed.

At Templar we offer bespoke financial planning based on your tax residence and investment objectives. These can be different for every individual in every EU member state and therefore a thorough analysis will be required.

Initially, you would have a meeting with our Investment Advisor, with no obligations whatsoever. This is usually done via video call. If it can be established that our services would be appropriate for your circumstances, then a formal regulated onboarding process will be followed. You will be guided through every step by our team.

In all circumstances, you will be asked to procure independent tax advice, since we base our financial and investment advice on the clarity of your tax situation in the jurisdiction where you reside.

  1. Face to face meeting and introduction

    An initial conversation, usually by video call, with no obligation on either side.

  2. Service level and onboarding

    We agree the scope of the service and complete the formal regulated onboarding process.

  3. Assessment of tax status and jurisdiction

    Your position is assessed against the rules of the country where you are resident, supported by self-obtained independent tax advice. (Templar EIS Ltd is not authorised to provide Tax Advice)

  4. Research and due diligence

    We research the options open to you and carry out due diligence on providers, asset mangers, products and costs.

  5. Application of appropriate advice and investment solution

    You receive a general proposal including all fees, costs and charges. Once accepted, the full solution is implemented.

  6. Monitor, challenge and review

    Arrangements are reviewed on an ongoing basis, and challenged when circumstances or markets change.

Services

Areas of advice.

There is no such thing as a single solution for everyone. Before you make any decision, it is important for you to understand the options available, whilst considering any cross border implications.

Pension and Retirement Planning

We will advise on how best to structure your pension arrangements to meet your specific needs.

  • Examine your current pension arrangementsWe can review your current pension and whether it already offers sufficient options, such as flexible access or investment flexibility, to decide if a transfer is necessary.
  • Appraise risks and benefitsWe can help you weigh up the potential advantages, such as tax efficiency and flexibility, against risks like currency fluctuations and possible penalties.
  • Evaluate tax advantagesWe review whether transferring your pension will result in tax savings, considering both the tax laws where your pension currently sits and the tax rules in your country of residence.
A retired couple relaxing on a terrace overlooking the sea

Savings and Investments

How you structure your savings and investments can make a real difference to the returns you receive and the way you are taxed. Your country of residence could offer tax efficient opportunities that provide more benefits than holding on to assets from other jurisdictions.

  • Analysing your investmentWe can review your current investment and whether it still suits your objectives, sustainability preferences, time horizon and risk appetite.
  • Measure risks and benefitsWe can help you weigh up the potential advantages, such as tax efficiency and investment flexibility, against risks like currency fluctuations, ongoing charges and possible penalties.
  • Gauge tax advantagesWe review the tax position in both jurisdictions, then analyse the pros and cons of each option available to you, including any tax and succession implications.
House keys, a calculator and euro notes representing savings and investment decisions

Sustainable Investments (ESG)

Sustainable investing is not just about financial returns, but also about making a positive impact on the world. We guide you in aligning your investment strategy with Environmental, Social, and Governance (ESG) factors, ensuring that your financial decisions support your ethical values while driving long term growth.

  • Analyse ESG opportunitiesWe help you identify sustainable investment options that align with your values, assessing environmental impact, social responsibility and governance standards.
  • Measure risks and benefitsWe evaluate the potential returns from ESG investments, considering both financial performance and social or environmental benefits, alongside risks such as market volatility and regulatory change.
  • Maximise ESG impactWe assist in structuring your portfolio to achieve financial growth and drive positive change, and show how ESG fits into your overall financial strategy.
A seedling growing from a jar of coins, representing sustainable investment
Client experiences

In our clients' words.

The comments below were provided by clients who agreed to be named. They describe individual circumstances and are not a guarantee of any particular outcome.

Prior to meeting Jim Bell and Templar EIS, we nearly took advice from one of the more high profile advice firms operating in the EU. It soon became apparent that they were not accurate in their advice and we felt were more interested in selling us a one off solution to earn commission. Their tax advice was not remotely correct.

Jim advised us of the correct tax position and has helped us secure the appropriate tax treatment from HMRC so that we do not pay tax on the income in the UK in accordance with the Tax Treaty between the UK and France. We transferred our pensions to a new UK SIPP company that will pay our income direct into our French Bank account, and Templar has restructured our investments so they are denominated in Euros to remove currency risk and bank charges when we receive pension payments.

We strongly recommend the expertise of Jim and his Team.

Francis and Clare

Prior to moving to Spain, we were fortunately introduced by our former UK FCA Adviser, who had to resign due to EU licensing requirements, to Jim Bell and Templar EIS who gave us expert advice on how to restructure our UK pensions prior to emigrating so that they were far more tax efficient for the future. They introduced us to a tax expert firm in Spain prior to implementation to ensure we received professional tax opinion before we proceeded. They are a highly professional advice firm and not like other firms that just want to sell you a product.

Rob and Gosia

Professional and efficient service. Very transparent and no hidden costs. Highly recommended.

Catherine N.

Templar arranged our expat pension transfer efficiently. Very transparent in their advice. Met us face to face when required. Highly recommended to anyone requiring expat pension arrangements.

Christine and Eric
Our team

Meet the team

Advice, compliance and client support are handled in house by our own group of professionals.

Jim Bell

Jim Bell

Director, Investment Advisor

Over 25 years in financial services, first with Barclays Bank in the UK and then in a senior corporate pensions role at Standard Life. Regulated in the UK by the FCA and authorised as an Investments Advisor by the MFSA.

Read full profile
Michiel Paetzel

Michiel Paetzel

Money Laundering Reporting Officer

Extensive experience in financial services and regulatory compliance, specialising in anti money laundering practices, risk management and financial regulation.

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Dr. Josette Sultana

Dr. Josette Sultana

Compliance Officer

A qualified lawyer specialising in regulatory compliance and risk management, overseeing compliance frameworks and providing strategic advice on business integrity.

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Claire Bugeja

Claire Bugeja

Customer Support Services

Over 10 years with a well established financial consultancy firm, specialising in audit preparation, financial reporting and compliance record keeping.

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Jordan Chircop

Jordan Chircop

AML Compliance Executive

Focused on monitoring and mitigating financial crime risk, ensuring operations remain aligned with AML regulations and best practice.

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Kathrin Chircop

Kathrin Chircop

Administrative Manager

Experienced in office management, operations and administrative coordination, with a background in project management and senior management support.

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Board of Directors

Jim Bell
Jim BellExecutive Director, Investment Advisor
Alan Chircop
Alan ChircopExecutive Director, CEO
Marise Chetcuti
Marise ChetcutiNon Executive Director
Regulation

Why a Malta licence matters after Brexit.

UK advisers lost the right to advise EU residents when passporting ended. A firm licensed in an EU member state can continue to serve you where you now live.

About the MFSA

The Malta Financial Services Authority (MFSA) is the single regulator responsible for the supervision and regulation of financial services in Malta. Established in 2002, the MFSA ensures that the financial services sector operates with the highest standards of integrity, transparency, and efficiency, fostering a safe and competitive environment for both investors and service providers.

Since the Investment Firms Regulation and Directive took effect in June 2021, the MFSA authorises investment firms by reference to the specific regulated services they may provide, together with a prudential classification. Templar EIS Ltd is authorised as a Class 3 investment firm, the classification applied to small and non interconnected firms, and remains subject to the MFSA's conduct, capital and reporting requirements.

www.mfsa.mt

Passporting in the EU

The MFSA adheres to the regulatory and supervisory standards set by the European Union. Firms licensed by the MFSA are granted access to the EU's passporting system. This system enables firms that are fully authorised in one EU member state to offer their services seamlessly across the entire EU.

By meeting the high regulatory standards of the MFSA, these firms can provide financial services to residents of other EU countries without needing to apply for additional licences in each jurisdiction. This enhances the reach and operational flexibility of financial service providers, while maintaining consistent standards of investor protection and market integrity across the EU.

The MiFID II licence in Malta allows firms to offer investment services across the EU, ensuring compliance with European standards for investor protection and market transparency. Malta, as an EU member since 2004, benefits from harmonised financial regulations, enhancing its status as a trusted financial hub.

Contact us

Start with a conversation, not a commitment.

The first meeting is usually a video call and carries no obligation. If we are not the right firm for your circumstances, we will say so.

Office
264, 2nd Floor, Triq il-Kbira
Mellieha MLH 2317, Malta

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