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Welcome to Reflect Financial; a Financial Services Practice with a specialist team catering for the needs of serving and retired senior police officers across the UK.

Our team has over three decades of experience within the financial services sector. The team comprises Financial Advisers: Philip Pearson, Adam Norris, and Tom Hoban, as well as Tim Jackson QPM (retired Chief Superintendent and former National Secretary of the PSA).

Our insightful Pre-Retirement seminars cover key topics including:

• Managing Your Finances (fundamentals of financial planning)
• Developing a Financial Plan (including investment strategy and risk)
• Wills* & Estate Planning (input from specialist Solicitors)
• Preparing for Retirement (non-financial planning considerations)
• Personal Taxation (maximising tax-efficiency)
• Understanding the Police Pension Schemes; the Remedy, and pension-related taxation
        matters (how and when to optimise your pension)

*The writing of a Will involves the referral to a service that is separate and distinct from those offered by St. James’s Place. Wills and Powers of Attorney are not regulated by the Financial Conduct Authority.

Intended primarily for those members who are within two years of retirement, members with 25 years or more service are also welcome to attend. Refreshments and a buffet lunch will be provided at each seminar

For more information you can contact the Reflect Financial Police Team here: policeseminars@reflectfp.co.uk

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Reflect Financial Limited is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products.

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Taking a personalised approach to every client, we take the stress of managing a website away from you so you can focus on the more important things. Get in contact with us today to see how we can help you.

Greater Manchester Police Federation members will get 10% off all services. Click the button below to see our portfolio!

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Prize Draw

It’s prize draw time!! Police Mutual are giving Police Officers, Staff, PCSOs, Special Constables and their families the chance to enter a FREE prize draw to win 1 of 4 £600 e-gift cards from a supermarket of their choice, choose from Asda, Marks & Spencer, Sainsbury’s or Tesco.

For prize draw details and to enter click here: https://bit.ly/3Kh3U7V

Terms and conditions apply: https://bit.ly/4pN4dq9

Prize draw ends 31/03/2026.

IMPORTANT INFORMATION

The prize draw will take place on 01/04/2026. Prize will be delivered within 48 days of the draw. The prize draw is open to UK residents aged 18 and over.  You must be eligible for Police Mutual products. No purchase necessary. One entry per person.

PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB.

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As part of our staff benefits, we’re sharing that Serve and Protect Credit Union has launched it’s latest Fixed-Rate Savings Account for December.

It’s free to join the credit union if you’re not already a member.

Learn more: sandpcu.co.uk/fs11

Chance to win £500 voucher this festive season

Serve and Protect Credit Union are giving you the chance to win a £500 Virgin Experience Days voucher with their latest competition, just in time for Christmas!

Participating is simple. Enter the competition by submitting your email address, then earn bonus entries by following Serve and Protect across their social media channels.

To view the competition and start earning entries, visit: https://sandpcu.co.uk/partner-christmas25

Full T&Cs can be found on the competition page. Entries close Sunday 21^st December 2025. Good luck!

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Police Mortgages are one of the UK’s leading mortgage advice brands specifically serving police officers, staff and their extended family.
Founded by Chris Schutrups in 2014, who was a serving officer for Hampshire Constabulary, the business now has a team of around 20 people helping customers across the UK.

With access to over 90 different lenders, including all UK high street banks, we can compare around 12,000 mortgage products to ensure you’re getting the most suitable mortgage deal.
Our team has specialists in shared ownership, adverse credit and complex cases, so you’re in safe hands.

Our service is completely FEE FREE as we get paid by the mortgage lenders directly.

Book your mortgage appointment using this link www.police-mortgages.co.uk/book-now

Our email is info@police-mortgages.co.uk which is manned seven days a week

Our website is www.police-mortgages.co.uk

Download the Police Mortgages App with the QR code below:

Free Mortgage Advice Clinic

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Financial support to Police Officer’s children and young people is provided by the Charity throughout
their school years and in many cases, into further education. More than 300 children are supported
every year.

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