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A number of third party providers offer preferential or discounted services to members of the Police Superintendents’ Association.   The third parties listed below are not endorsed by or linked to the association.

Exchange Wealth Management Mortgages

Mortgage advice
Exchange Wealth Management Mortgages is proud to be working with the Police Superintendents’ Association. We are a team of highly qualified and experienced mortgage advisers offering impartial advice to senior members of the Police force. The Exchange Wealth Management Mortgages team has recently been taking the time to meet members of the Police Superintendents’ Association through mortgage surgeries and seminars so if we have already had the pleasure of meeting you, here is a reminder of how we may be able to help. For those of you we have not yet met, we are delighted to introduce our company to you.

Buying a house is likely to be the largest single purchase you will ever make so we absolutely recommend taking advice from a mortgage professional to make sure you are getting the best deal for your needs. Did you know that buying a new home is not the only time you could benefit from mortgage advice? We can advise whether you might be paying too much for your current mortgage and help you switch even if you are tied in to your existing deal. Likewise, we can also help find the best offer on a remortgage if your current deal has come to an end. Debt consolidation is also an area where we can offer specialist advice. Whatever your current circumstances, Exchange Wealth Management Mortgages is delighted to offer senior police officers the following benefits:

  • FEE-FREE impartial, independent mortgage and protection advice
  • Personal service from dedicated and experienced professionals
  • Access to mortgage providers not available on the high street
  • Face-to-face or telephone consultations with a friendly, approachable expert
We can help and provide advice to members of the Police Superintendents’ Association on:-

  • Residential house purchases
  • Remortgaging for a better interest rate, debt consolidation or any purpose capital raising
  • Buy-to-let mortgages*
  • Short term finance (Bridging finance)*
  • Secured loans
  • Commercial mortgages or development finance*
  • Lending into retirement and Equity Release
  • Overseas mortgages**
  • Life assurance, critical/serious illness, income protection & family income protection.
  • Residential home insurance and landlord insurance.
Meet the team

The Exchange Wealth Management Mortgages team is headed up by Ian Ward who has over 30 years in financial services, having previously ran his own independent mortgage firm for 22 years. Ian is a former Flight Lieutenant in the RAF reserves, having been a gliding instructor at RAF Sealand. Ian also has Special Constable experience which he gained through Merseyside Police. We currently offer mortgage surgeries to the Cheshire Police Federation, Greater Manchester Police Federation and Merseyside Police Federation, which have helped many police officers, support staff, and their families with their financial needs.

Ian Ward CeMAP CeRER Director    
Michael Gall CeMAP CertCII (ER) Mortgage Adviser    
Mark Carney CeMAP Mortgage Adviser    

How to contact us

We look forward to meeting you at one of our mortgage surgeries but if you would like to get in touch with us in the meantime, please email [email protected] or call 07912 215660.

Our headquarters is based in Liverpool within the heart of the water front near the Royal Liver building and the Liverpool cruise terminal. We can arrange a complimentary no obligation face-to-face meeting or we can arrange a date and time for a telephone consultation with a member of our team.

We looking to meeting you and to developing a long and trusted relationship with the Police Superintendents’ Association.

Exchange Wealth Management Mortgages

12 Princes Dock
Liverpool L3 1BG
Tel: 0151 632 1718
Email: [email protected]
Web: www.exwm.co.uk

Your home is at risk if you do not keep up repayments on a mortgage or loan secured on it.  Exchange Wealth Management Mortgages provides a fee-free mortgage advice service, and will receive a commission from the mortgage or insurance provider upon completion of a transaction; the amount will be disclosed to you prior to completion.

Exchange Wealth Management Mortgages is a trading style of Exchange Wealth Management Limited.  Exchange Wealth Management Limited is authorised and regulated by the Financial Conduct Authority (FCA). *Some lending is not regulated by the FCA.  **Changes in the exchange rate may increase the sterling equivalent of your debt.

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Blue Light Card

Discounts and offers for emergency services 
Blue Light Card is the discount service for the Emergency Services. With the support of over 8,000 regional and national partners, it rewards the hard work and commitment of members of the Police Service by offering a selection of online and in-store discounts.

It’s home to many official discounts from large national retailers and has a wide range of offers from categories such as holidays, cars, days out, fashion, gifts, insurance, phones and many more.

Blue light Card is delighted to be working with the Police Superintendents’ Association and is giving members access to a Blue Light card that is valid for five years completely free of charge.

To access your promotional code all you need to do is email [email protected]

Once you have your code, follow these instructions to register:

  1. Visit www.bluelightcard.co.uk and click register
  2. Follow the registration process
  3. Click to upgrade to the card
  4. Enter an address in to the fields – can be work or home address
  5. Tick to say that this is a work address
  6. Enter the promotional code into the promotional code box
  7. Complete the registration
Visit www.bluelightcard.co.uk to register and start to benefit from your every day discounts.

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Police Clubs Financial

Bespoke mortgage services
Police Clubs Financial has introduced a bespoke proposition for members of the Police Superintendents’ Association looking to review their mortgage and protection arrangements.

The service provides independent advice for members who have particular requirements for mortgages, allowing them to mix and match key product elements such as the term, fee and product incentive, to create a solution personal to them and their circumstances.

Police Clubs Financial Director Adam Reading says: “Many clients firstly told us that they did not know we even offered advice on mortgages and protection. There is so much focus on the complex pension changes that have taken place that often basic financial issues and general planning is overlooked. We are combining our retirement planning expertise to help meet the needs of members by developing this highly regarded proposition so that immediate financial needs are kept in line with an individual’s longer term plans. Some clients often need to review their mortgage arrangements because of the impact of the pension changes or their career aspirations which often doesn’t meet with standard mortgage underwriting.  As part of this bespoke service, members will get a premium level of support with direct access to our dedicated team of advisers and support staff”.

Here’s how a client has described the service:

“I was so impressed with the service from start to end and it saved so much of our time. From one phone call a product was found that suited our needs perfectly and one which I wouldn’t have found. Claire Martin the adviser did absolutely everything and made this remortgage the easiest and best I have done. A great service from a caring professional.”

Ch Supt, A&S

For more details on this, or to discuss the wider range of services provided, contact [email protected] or 02890 666860

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT

MORTGAGES WITH SPECIAL OFFERS ATTACHED MAY NOT ALWAYS REPRESENT THE BEST DEALS ON THE MARKET; YOUR ADVISER WILL BE ABLE TO HELP YOU CHOOSE THE MOST APPROPRIATE DEAL FOR YOUR FINANCIAL CIRCUMSTANCES

Police Clubs Financial is a trading style of McAuley Financial Limited, which is an appointed representative of TenetConnect Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA is the independent regulator of financial services in the United Kingdom. TenetConnect Limited is entered on the F

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Motor Source Group

Motor vehicle savings
Save up to 35% off your new car

Allied to a 5-Star service, Motor Source Group offer a specialist new car service for all serving and ex-Police and are committed to listening to your needs and sourcing the right car for you. You’ve taken care of our community, now let us take care of you! PSA members can take advantage of these great savings across a wide range of makes and models, including:



Ordering your new car with Motor Source Group is easy and all vehicles include standard manufacturer warranties so you can be assured of the same quality of vehicle as if you had ordered in your local dealership, what’s more you can also be assured of a qualified vehicle handover with the Motor Source Group local participating dealership or delivery direct to your door.

Motor Source Group is an approved partner of the Federation of England and Wales and has great customer feedback, which you can read on the independent review site, Trust Pilot.


As well as the considerable savings, Motor Source Group also offer:

  • Delivery direct to your door or local participating dealership collection
  • Low rate finance options
  • Part exchange programme
To find out more and to browse all our prices visit our dedicated Police website at https://www.police.motorsourcegroup.com/policesupers or call us on 01522 500055.

July Offers:
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Willson Grange Limited

Financial management
Philip Pearson, with a long standing and professional relationship with the Police Superintendents’ Association, has recently merged his family company Pearson Financial Management with that of Willson Grange Limited, enabling him to continue and to focus solely on providing trusted and bespoke advice and tailored pre-retirement seminars for the police Superintendents’ Association.



He specialises in retirement planning, investment planning, Inheritance Tax planning and protection but with the security and backing of a FTSE 100 company, St. James’s Place Wealth Management.

“A relaxed, no pressure environment with active questions and answers. Phil presented a powerful overview of key issues for me including investment planning, risk, term, security and a great piece on money management. I strongly advise your attendance.”

Working with Philip as a consultant and assisting with pre-retirement seminars is former Chief Superintendent and National Secretary of the PSA, Tim Jackson. Whilst a National Officer of the PSA, Tim led for the Association on the reforms to police pensions, and the development of transitional arrangements, following Lord Hutton’s review of public sector pension schemes and the subsequent decision by government to end existing final salary pension schemes and move to new schemes based on career average re-valued earnings.

Since retiring from policing, Tim now acts as a consultant to Willson Grange working alongside Philip using his vast knowledge of police pension schemes and taxation matters to support him delivering pre-retirement seminars to members.

Our pre-retirement seminars cover a wide range of topics including;

  • Pension Options at Retirement
  • Life after the Police
  • Money Management/Budgeting
  • Taxation
  • Investment Strategy & Portfolio Management
  • Estate Planning and Wills*
  • Financial Protection Against Risk
“Opened my eyes to the importance of ‘tax advice’ in the finance world! The integrity of the advice was invaluable. Highly recommended.”

Seminar dates for 2020 are as follows;

  • Tuesday, 16th June 2020 – Victory Services Club, Marble Arch, London (Now available ‘on line’ only)
  • Tuesday, 7th July 2020 – Willson Grange, Princes Dock, Liverpool
  • Tuesday, 20th October 2020 – Victory Services Club, Marble Arch, London
  • Wednesday, 2nd December – Victory Services Club, Marble Arch, London
  • Tuesday, 8th December 2020 – Willson Grange, Princes Dock, Liverpool
Additional dates will be added throughout the year in other locations.

If you would be interested in attending one of our Pre-Retirement Seminars please contact the event planner Tim Jackson on [email protected] for more information.

Please note that partners, husbands and wives are welcome, and encouraged, to attend these seminars.

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.

*Wills involve a service which is separate and distinct to those offered by St. James’s Place.

The Partner Practice 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. – The ‘St. James’s Place Partnership’ and the title ‘Partner’ are marketing term used to describe St. James’s Place representatives.

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Pensions estimators

Self service queries
Shabir Hussain is a former Commander in the MPS and is the pension advisor to CPOSA.  He can provide pension/AA/LTA calculations to members of the PSAEW through his website.  He does make a charge for his services.  A link to his website can be found here

Shabir has developed an on-line pension estimators for self-service queries.  They both have screen capture tutorials which explain how they work and test sites to practice navigation and inputting.


  1. www.2015care.one will estimate future 2015 rights and cater for future pay rises.  Therefore, it will include 1987 or 2006 final salary rights with commutation( lump sum) options. £1 per session.

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BMW and Mini

PSA Infinity Programme

Current Offers


BMW Group Military & Emergency Services 

BMW would like to introduce the BMW Group Military & Emergency Services Affinity Programme, a scheme that offers members of the emergency services unique offers on our complete range of vehicles.

This scheme gives members and their immediate family the opportunity to benefit from exclusive stock offers and bespoke factory orders on the full range of BMW models, the complete MINI range, BMW Motorrad Bikes and the growing range of BMW i vehicles and plug-In hybrids.

Benefits of the programme include:

  • Preferential Car Scheme available.

  • UK nationwide home delivery can be arranged separately via covered transporter or collection from our Central London location.

  • Part exchange your car for a new one, with finance available.

  • Friendly, knowledgeable team who are on hand to provide an easy one-stop experience.

  • Your new car will come with 3 years Roadside Assistance, 3 years warranty and 12 Months Road Fund Licence.

  • Substantial benefits on all new BMW, BMW i, MINI and BMW Motorrad models throughout the entire range.

BMW are delighted to extend the scheme to family, to find more information please contact their dedicated sales team on:

T: 0370 700 5220
About BMW Group International & Specialist Sales Division


Exclusively operated by BMW Park Lane via their online showroom and offices in the heart of London’s Mayfair. The dedicated BMW Group International & Specialist Sales Division are on hand to help guide you through the process, answer any questions you may have and find the perfect BMW Group vehicle for you.

The Military & Emergency Services have a long and successful relationship with the BMW Group and we are excited to announce that you and your family can now benefit from this BMW Group Affinity programme.

If you are thinking about changing your car, check out what is available here:



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Police Mutual Foundation

Welfare support
The Police Mutual Foundation supports the welfare of police officers, police staff and their families at a time where in-force funding for health related services is under increasing pressure.

You can learn more about the Police Mutual Foundation here.

Funded by the Police Mutual Group, the Police Mutual Foundation is overseen by the Foundation Advisory Board, which provides guidance, support and insight and is made up of a number of welfare practitioners and key stakeholders from across the Service, including:

• National Police Chiefs Council
• Superintendents Association
• National Association of Retired Police Officers
• Police Federation
Please find below the link to the digital version of the wellbeing toolkit 

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True Bearing Chartered Financial Planners

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 4% of all UK IFAs firms, which meet rigorous criteria relating to professionalism and capability.

We pride ourselves on excellent communication with our clients and in 2010 we were the first IFA to achieve Investors in People Gold accreditation in recognition of our staff and systems, we have retained the Gold accreditation ever since. In 2018 True Bearing won ‘GOLD Employer of the Year’ at the Investors in People Awards 2018 for category 50 to 249 employees. It was the first time True Bearing entered the awards as it was an opportunity to benchmark ourselves against high performing organisations, not just within the UK but on a global scale.

Other achievements are ‘Best Financial Firm in Lancashire’ at the Red Rose Awards in 2016 and 2018. We also achieved Professional Practice of the Year in 2016 along with an award for our commitment to Corporate Social Responsibility at the BIBAs. True Bearing has over 15 years’ experience in business, and has been growing at 15-20% per year for the last six years to become a regional leader.

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 have Chartered IFAs, Society of Later Life Advisers (SOLLA), some of whom are qualified under The Society of Trust & Estate Practitioners (STEP). True Bearing employs legal specialists to complement its financial planning for clients.

Having been actively involved in the retirement workshops for a number of years, True Bearing officially launched its own Pre-Retirement Workshops in 2013. Currently we work with Cumbria Constabulary, Lancashire Constabulary and Merseyside Police. Since our launch we support over 60 major employers and deliver over 130 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 workshops at the venues noted below.

True Bearing Pre Retirement Workshop will cover:

  • Life Time Allowance and Annual Allowance
  • Police Pension
  • Taxation
  • Financial Planning before and after retirement
  • Estate Planning
  • Making Wills
  • Lasting Powers of Attorney
  • State Benefits
  • Managing the change process

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 www.truebearing.co.uk

The dates for 2020 are:-
  • Wednesday 2nd September 2020 – Farington Lodge  (Preston – Lancashire)
  • Wednesday 23rd September 2020 – Holdsworth Hall (Halifax – Yorkshire)
  • Wednesday 25th November 2020 – Mere Golf Resort & Spa (Knutsford – Cheshire)

We look forward to welcoming you.

Maria Dabipi DipM MCIM
Business Development Manager
Mobile: 07545 834030 Office Phone: 01257 260011
True Bearing Ltd, 2 Buckshaw Court, East Terrace Business Park, Euxton Lane, Euxton, Lancashire, PR7 6TB
True Bearing “The Right Direction for Financial Advice”
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Close Brothers

Pre-retirement seminars
Providing financial education and guidance

Every step of the way

Close Brothers have been providing financial education to members of the Police Superintendents’ Association for over 25 years.  During that period over 1,700 delegates have rated our retirement support as ‘Excellent’.

Our one-day retirement seminars, which are provided to Association members free of charge, are held at the following locations;

  • London
  • Middlesbrough
  • Manchester 
  • Birmingham

Events are held from 09:30 to 16:30 and all refreshments, lunch and reference materials are provided and your spouse/partner is also very welcome to attend.

Dates for 2020 are as follows:-

14th September
1st December
https://www.moneytalksatclose.com/p-supers/retirement

We recommend that members attend when they have approximately 25 years police service, to allow for sufficient time to plan their retirement from the Police Service, and to assess the effects of the current pension tax charges on future pension benefits, caused by the reduction in the Lifetime Allowance.

Our events cover a wide range of topics including;

  • When is the best time to retire?
  • Working, earning and tax!
  • Salary -v- Pension
  • 2015 Pension Reforms – applicable to your ‘next phase of life’
  • Financial security and how to improve your position in the years ahead 
  • Life after the Force 
  • Estate planning and wills
  • Understanding personal taxes and planning opportunities

To book onto a seminar or to find out more, visit https://www.moneytalksatclose.com/p-supers/retirement or contact Jane Scarff on [email protected] or 07710 650 925

Here are what some of your colleagues thought of our seminars: 

 “Thank you for your constant enthusiasm and positivity” Ch Supt, Leicestershire 

“Invaluable session.  Well explained and areas clarified if delegates lacked understanding” Supt, The Met 

“Fantastic opportunity; Food for thought, unbiased sound advice” Supt, The Met

“This was an excellent presentation, thank you so much” Supt, The Met

About Close Brothers

Strong traditions, proven experience

We are an award-winning provider of financial education in the workplace, driving financial wellbeing through holistic education, advice and investment solutions for nearly 50 years.  We work with over 450 of the UK’s best known organisations including Astra Zeneca, BAE Systems, BP, Ernst & Young, Jaguar Land Rover, National Crime Agency, Shell and Total UK who trust us to deliver informative, inspirational and engaging communications to thousands of their employees every year.

Our support doesn’t end with financial education; as one of the few firms able to provide a complete financial planning and investment service, you benefit from impartial and sound advice based on insight, experience and technical expertise.  By combining our core capabilities of financial planning, investment management and efficient administration, we can develop and implement a comprehensive financial plan, all under one roof.

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