At Police Mutual we’ll tell you what’s best for you, not what’s best for us! 

This bespoke course has been designed specifically for Superintendents, it is ideally suited to those officers with 12 months or less to retirement and is aimed at helping to ensure that you’re fully prepared for retirement, both financially and emotionally.
 
The course is designed to help you understand and consider your retirement and the impact it has on an individual. Whilst retirement is an exciting time for some, it can also bring about huge changes to more than just an individual’s income. 
 
Courses incorporate lifestyle, as well as financial aspects, to enable you to really think about the retirement you want, and how you can achieve it, it helps individuals to understand their current situation, set goals and recognise what they need to do to achieve their goals.
 
Topics include:

 

-          Introductions

-          Hopes & fears, coping with change

-          Police Pension Schemes

-          Annual Allowances

-          Lifetime Allowances

-          Financial planning for retirement, including: State Pension & Taxation / Assessing your current financial situation / Identifying your needs / Short term financial considerations

-          Investment planning for the medium to long term, to include: Risk & reward / Investment types

-          Wills and Estate Planning

-          Future beyond the Police

-          Wellbeing

·         Wednesday 19 March 2025

·         Thursday 9 October 2025

To reserve a place, simply email [email protected] with your name, retirement date if known and preferred course date.

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

Our team has over three decades of experience within the financial services sector. The team is led by Senior Financial Planning Consultant Philip Pearson and Tim Jackson QPM (retired Chief Superintendent and former National Secretary of the PSA).

Our insightful Pre-Retirement Seminars, which spouses/partners are welcome to attend, 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.

 

·        Wednesday 21st May 2025 – Liverpool

The offices of Reflect Financial Limited, Suite 2, 5th Floor, Walker House Exchange Flags, Liverpool L2 3YL (convenient for main line rail and motorway networks)

 

·        Tuesday 3rd of June 2025 – London

St. James’s Place, 30 Lombard Street, London, EC3V 9BQ 

 

·        Tuesday 1st July 2025 – Virtual Webinar

Once registered your virtual invite will be forwarded to you by the specialist police team. 

 

·        Wednesday 10th September 2025 – London

St. James’s Place, 30 Lombard Street, London, EC3V 9BQ 

 

·        Thursday 9th October 2025 – Birmingham

The Birmingham Conference & Events Centre (BCEC), Hill Street, Birmingham, B5 4EW (just a minutes walk from Birmingham New Street Station)

 

·        Tuesday 11th November 2025 – Liverpool

The offices of Reflect Financial Limited, Suite 2, 5th Floor, Walker House Exchange Flags, Liverpool L2 3YL (convenient for main line rail and motorway networks)

 

·        Wednesday 3rd December 2025 – London

St. James’s Place, 30 Lombard Street, London, EC3V 9BQ 

 

 

To register for an upcoming Pre-Retirement Seminar, please click here: https://forms.gle/96RUseV5hdi1HSo49 

To contact the Reflect Financial Police Team for further information, you can email: [email protected] 

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.

 

 

 

Amber River True Bearing – Chartered Financial Planners

We offer independent financial advice to clients throughout the North West, North East, through to London. Our Financial Advisers have decades of experience in advising clients and passionately believe in face-to-face financial advice. We are extremely proud of our service and the awards we have won, but this isn’t the only reason to choose us. We were awarded the prestigious “Chartered Financial Planners” title by The Chartered Insurance Institute (CII) in 2010. Chartered status is an exclusive title only awarded to 15% of all UK IFAs firms, which meet rigorous criteria relating to professionalism and capability.

 

Amber River True Bearing is directly regulated and authorised by the Financial Conduct Authority (FCA). We provide advice across the whole of the market and we do not sell products; our incentive is getting the best results for our clients. This is achieved through impartial, unrestricted advice that considers every financial solution on the relevant market. 

 

We pride ourselves on excellent communication with our clients and in 2010 we were the first IFA firm to achieve Investors in People Gold accreditation in recognition of our staff. In 2018 we won ‘GOLD Employer of the Year’ at the Investors in People Awards 2018 for category 50 to 249 employees. We have also held the ‘Best Advisers to Work For’ award for three years running from 2022-2024.

 

Having been actively involved in the retirement workshops for a number of years, Amber River True Bearing officially launched its own Pre-Retirement Workshops in 2013. Currently we work with Cumbria Constabulary, Lancashire Constabulary, Cheshire Constabulary, and Merseyside Police. Since our launch we support over 60 major employers and deliver over 150 workshops per year to the private and public sectors. Following the delivery of courses to the Chief Police Officer's Staff Association, saw us recommended to other police forces throughout the UK.

 

We are thrilled to be working with the Police Superintendents Association again this year and are offering webinars and workshops noted below.

 

Amber River True Bearing - Pre Retirement Workshops will cover:

If you would be interested in attending one of our Pre-Retirement Workshops please register your interest with [email protected]  or (07545 834030). 

For further information on the company visit https://amberriver.com/offices/amber-river-true-bearing/

 

The remaining dates for 2025 are:-

·        Tuesday 10th June 2025 – Mottram Hall (Knutsford - Cheshire)

·        Thursday 16th October 2025  – Mottram Hall (Knutsford - Cheshire)

·        Wednesday 10th December 2025 – virtual meeting via MS Teams

Please see below information provided by Police Clubs Financial:

Police Clubs Financial has over 18 years’ experience providing independent financial advice to police officers and staff, and has supported the Police Superintendents’ Association for over 12 years.

After a very challenging 2022 and with the ongoing cost of living crisis, they have launched a series of virtual presentations on a range of financial matters of benefit and interest to members.   As holistic financial planners, Police Clubs Financial will provide information on core areas associated with financial planning from mortgages, protection and regular savings to pensions and lump sum investment.

If you would like to attend future presentations, email [email protected] for more details.