European Financial Planning Group
Helping you plan for the future
Welcome to European Financial Planning Group, or EFPG as we are commonly known as.
Regulated and independent
EFPG is a Gibraltar-based financial services company established in 2004. EFPG is regulated by the Gibraltar Financial Services Commission and has Insurance Mediation Directive and MiFID permissions as well as being regulated Pension Trustees and Pension Controllers. EFPG also have been authorised to “passport” services throughout the EU.
EFPG is a completely independent company - we are not tied to, or a representative of, any other financial services provider. We provide financial advice and financial product solutions to our individual and corporate clients which are clear and effective.
How we work
Our process has two clear steps:
We work with our clients to complete a fact finding process which enables us to identify and quantify financial needs, targets, issues, risks and priorities. This process enables us to complete a Financial Planning Report which outlines our recommended solutions.
Following the acceptance of the Financial Planning Report , we implement the solutions.
Aside from general financial planning, our individual client solutions include life, sickness and disability insurance, investments, investment plans and personal pension schemes. We provide our own market-leading Gibraltar tax approved local personal pension scheme (Jubilee) as well as international pensions such as our Diamond (QROPS) and Gold (QNUPS) Personal Pension Plans.
Our corporate client solutions include key man, shareholder protection and group life/critical illness/long-term illness policies and providing bespoke Occupational Schemes, Group Personal Pensions and investment advice.
EFPG prefers to follow the UK model of charging by charging transparent, fully-disclosed fees rather than taking undisclosed commissions from products or investments that we advise on. This model was adopted as EFPG considers that our clients would prefer to know what fees they are paying and that the advice that EFPG provides would not be swayed by considering commissions.
EFPG also has long-standing partnerships with top-flight tax planning specialists in the UK and Spain for high net worth clients and UK expats. EFPG also offers property and estate agency/management services through EFPG Estate Agents.
To arrange a meeting with one of our highly-experienced advisers please contact us.
"On moving to Gibraltar I needed to review my pension arrangements. EFPG not only did so, advising which should be moved and which should be left but also made all the necessary arrangements. Furthermore their fee based approach meant I did not lose any asset value from the pension due to commissions"
Marcus Killick OBE
"EFPG Invest has provided me with sensible and professional advice for the company's pension needs for many years. I would recommend anyone looking for a Pension solution to talk to them"
John Isola, MD, Anglo Hispano
A selection of EFPG's Gibraltar corporate clients:
EFPG is a member of the Society of Pension Professionals
EFPG is regulated by the Gibraltar Financial Services Commission under reference Nos. FSC00812B and 1109MIF, and details of our permitted activities may be viewed on their website at www.fsc.gi. As well as Gibraltar the firm is authorised to carry out services in the following countries: Belgium, Denmark, France, Germany, Ireland, Italy, Luxembourg, Malta, Norway, Portugal, Romania, Spain, Sweden and United Kingdom. EFPG also trades under the names of EFPG Invest, EFPG Pensions and EFPG Trustees.