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.
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.
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.
Once you have your code, follow these instructions to register:
- Visit www.bluelightcard.co.uk and click register
- Follow the registration process
- Click to upgrade to the card
- Enter an address in to the fields – can be work or home address
- Tick to say that this is a work address
- Enter the promotional code into the promotional code box
- Complete the registration
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Police Clubs Financial
Independent Financial Advisers and Bespoke Mortgage Services
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.
The presentations will be held from 10am to 11.30am via Microsoft Teams on the following dates:
- Tuesday 23rd May
- Tuesday 27th June
If you would like to attend, email [email protected] to reserve a space.
Mortgage and protection arrangements:
Police Clubs Financial has introduced a bespoke proposition for members of the Police Superintendents’ Association looking to review their mortgage and protection arrangements.
Please see their full mortgage brochure here.
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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Reflect Financial PFM
Financial management
Bespoke Financial Advice for Senior Police Officers
Philip Pearson provides financial advice to clients and operates on a nationwide base. With over thirty years of experience within the financial services profession, fifteen of which were as Principal of Pearson Financial Management (PFM), Philip has been providing bespoke financial advice to senior police officers for over twenty years. During this time, he has developed a strong reputation within the Police Superintendents’ Association (PSA) for providing the highest quality financial advice and for helping members make provision for their ongoing financial security.
Philip also supports senior police officers through the provision of pre-retirement seminars. These events are extremely popular and have proved to be an invaluable source of advice and guidance to members as they consider a life beyond policing. The seminars, which are free of charge and to which spouses/partners are also welcome to attend, include essential topics such as:
· Money Management
· Investment Strategy and Risk
· Wills/Estate planning
· Preparing for retirement
· Police pensions and taxation
The value of an investment with St. James’s Place is directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.
Advice relating to a Will necessitates the referral to a service that is separate and distinct to those offered by St. James’s Place. Wills are not regulated by the Financial Conduct Authority.
St. James’s Place
Philip is a Senior Financial Planning Consultant within Reflect Financial Limited, a Partner Practice of St. James’s Place Wealth Management (St. James’s Place). St. James’s Place Wealth Management is a multi-award-winning FTSE 100 company with £129.34 bn of funds under management (as of 28th January 2021). Philip is fully qualified as financial adviser with the Chartered Insurance Institute and through St. James’s Place’s own accreditation processes.
St. James’s Place operates a distinctive Investment Management Approach. It retains control of its own funds and then sub-contracts their management to leading fund managers from across the globe, all of whom have been selected by the St. James’s Place Investment Committee with the help of independent consultants. Once selected and appointed, the performance of the fund managers is closely and continuously monitored. The global reach of St. James’s Place’s selection process means that it is not restricted to recommending UK registered funds only. St. James’s Place is committed to an ethical and responsible investing policy and has an in-house Responsible Investment Committee.
Reflect Financial Limited
Backed up by the technical and client services team at Reflect Financial Ltd and St. James’s Place, the strength of Philip’s advice is rooted in his experience of working with police officers over many years, together with his knowledge and understanding of the police pension schemes and the taxation regimes that impact upon them. As a valued client, your key relationship would always be with Philip, but it is important to highlight that, below the surface, you would also have exclusive access to highly qualified and experienced specialist advice teams bringing together investment and pension specialists, banking advisers, and experts in taxation and legal matters.
Working alongside Philip is former Chief Superintendent and National Secretary of the PSA, Tim Jackson QPM. Having led for the Association on the reform of police pensions, and worked closely with other staff associations in relation to this, Tim has a detailed knowledge of the various police pension schemes and related taxation matters.
Reflect Financial Ltd. 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. The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.
Programme of Pre-retirement seminars for 2023 by Reflect Financial Limited @ PFM
Philip Pearson and Tim Jackson QPM (former PSA National Secretary) are pleased to announce their programme of pre -retirement seminars for 2023 for members of the PSA. The seminars will take place on the following dates:
- Our dates for 2023 are as follows:
- 1st March 2023 The Victory Services Club, 68-79 Seymour Street, London W2 2HF
- 27th April 2023 Reflect Financial Ltd., Second Floor, 12 Prince’s Parade, Prince’s Dock, Liverpool L3 1BG
- 17th May 2023 The Victory Services Club, 68-79 Seymour Street, London W2 2HF
- 20th September 2023 The Victory Services Club, 68-79 Seymour Street, London W2 2HF
- 5th October 2023 BCEC, (adjacent to the Holiday Inn) Hill Street, Birmingham B5 4EW
- 28th November 2023 Reflect Financial Ltd., Second Floor, 12 Prince’s Parade, Prince’s Dock, Liverpool L3 1BG
- 6th December 2023 The Victory Services Club, 68-79 Seymour Street, London W2 2HF
The seminars will commence at 10.00hrs and conclude no later than 17.30hrs. The following subject areas will be covered during each seminar:
- Managing Your Finances
- Developing a Financial Strategy in Retirement
- Estate planning and wills (including 'power of attorney')
- Police Pensions and Taxation (including the pension reforms, the ‘Remedy’, Annual Allowance and Lifetime Allowance)
- Preparing for Retirement and a Life Beyond Policing
Philip and Tim will be supported at the seminars by Richard Bate (Solicitor; Weightmans LLP).
Intended primarily for those members who are within two years of retirement, members with 25 years or more service are also most welcome to attend. The wide range of subjects being covered during the seminars will ensure they are of interest and relevant to members in this service band.
Refreshments and a buffet lunch will be provided at each seminar (with the exception of the ‘on line’ event).
If you would like to reserve your place at any of these seminars, which are free to attend, please use this link to sign up to your chosen seminar - https://forms.gle/GV16VWJw7cR5VHLb7
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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.
- 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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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.
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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Amber River True Bearing Chartered Financial Planners
Chartered Financial Planners
Amber River True Bearing
Established in 2003, the team here at Amber River True Bearing (formerly True Bearing Chartered Financial Planners) provide tailored financial planning services on pensions, investments, financial protection, inheritance tax planning and much more.
We work with more than 7,000 individuals and business clients throughout the North West and beyond. In 2010 we were awarded Chartered status by the Chartered Insurance Institute (CII) – an exclusive title given to only a select group of IFA firms that meet the CII’s highest standards of professionalism and capability.
Our team is dedicated to providing responsive, supportive and personalised financial advice. In recognising that each client is an individual on their own journey, with their own goals, we strive to use our industry-leading knowledge of financial planning to help them turn their dreams into reality. Additionally, our in-house Legal Services team is here to help our clients with all aspects of legacy planning, to ensure their wishes are carried out after they’ve gone.
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 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, 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:
- 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).
The dates for 2023 are:-
· Wednesday 11th October 2023 – Nunsmere Hall Hotel (Knutsford - Cheshire)
· Thursday 16th November 2023 – virtual meeting via MS Teams
· Tuesday 12th December 2023 – virtual meeting via MS Teams
Kind regards
Maria Dabipi
MARIA DABIPI DipM MCIM, FCMI
Business Development Manager
Tel 01257 260011
Mobile 07545834030
www.amberriver.com/true-bearing
Second Floor, Assurance House, Chorley Business & Technology Centre, Euxton Lane, Chorley , Lancashire, PR7 6TE
Tel 01257 260011
Mobile 07545834030
www.amberriver.com/true-bearing
Second Floor, Assurance House, Chorley Business & Technology Centre, Euxton Lane, Chorley , Lancashire, PR7 6TE
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PerkJam
Discounts and offers
The PSA has launched a new membership benefits platform which is open to every member, including their families and friends.
The benefits on offer can be found at https://policesupers.perkjam.com and by purchasing any ‘perk’ via the links on the website, the PSA benefits each time with an amount of commission being paid to the PSA account.
The commission earned will be paid directly into a new welfare fund which has previously been requested by members to assist members who may need some financial support at a difficult time. The welfare fund will be independently chaired with a governance board to make decisions on cases submitted. More details on the welfare fund will be published soon.
The benefits on offer can be found at https://policesupers.perkjam.com and by purchasing any ‘perk’ via the links on the website, the PSA benefits each time with an amount of commission being paid to the PSA account.
The commission earned will be paid directly into a new welfare fund which has previously been requested by members to assist members who may need some financial support at a difficult time. The welfare fund will be independently chaired with a governance board to make decisions on cases submitted. More details on the welfare fund will be published soon.
You can create a login simply by registering on the website. You can also download the Perkjam app to your mobile phone via the app store or google play store. Please use the platform and help the association, whilst you benefit from the branded offers. The weblink can be shared widely.
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Wilson Grange Mortgages
Bespoke Independent Mortgage and Protection Advice for Senior Officers
Willson Grange Mortgages is proud to be working with the Police Superintendents’ Association again this year.
Based on mainland UK, with a head office in the North West of England, we are a team of highly qualified and experienced mortgage and protection advisers offering impartial independent advice to senior members of the Police force.
Willson Grange Mortgages is also an accredited provider to currently Cheshire, Merseyside and Greater Manchester Police Federations.
Director Ian Ward and his team have developed a strong reputation and a long-standing and trusted professional relationship with the Police Superintendents’ Association (PSA). They are noted for providing exceptional service, together with a completely confidential, flexible, tailored advice provision to meet senior police officers’ often complex needs.
Ian has over 35-years experience in financial services, is a former Flight Lieutenant in the RAF Reserve and a qualified gliding instructor, and he was also a Special Constable with Merseyside Police. Due to his professional and life experiences, he has an acute appreciation and recognition for all police officers, support staff and their families key financial needs. Ian understands the risks and pressures affecting officers day to day, as well as their longer-term needs and plans when retirement looms.
“Everyone has different circumstances, ambitions and areas of concern, so it’s important that we take time to understand each officer’s needs from an individual perspective,” says Ian.
“Being independent, we’re able to research across the whole of market and come up with a range of suitable options, often with products not available on the high street”.
“We operate on a national basis, and many senior-ranked officers have found our first-class professional service invaluable, particularly during the current volatile economic climate”
Ian Ward CeMAP CeRER, Director of Willson Grange Mortgages
WHAT SENIOR POLICE OFFICERS SAY ABOUT WILLSON GRANGE MORTGAGES…
… “Very impressed with the service from Ian and the team at Willson Grange Mortgages. Everything completed ‘virtually’ and in a timely way. Thank you.” - Supt. JMH – Sussex Constabulary
… “Exceptional friendly level of service – highly recommended.” - Supt. DJC – Lincolnshire Constabulary
… “Excellent, and very quick professional service.” - Supt. RDC – West Yorkshire Constabulary
… “I’ve already recommended Becky [one of the Willson Grange Mortgages team members] to a number of people. Becky went ‘above and beyond’ in her role and was there for me when there were some difficult legal questions from the solicitor’s. Her patience was second to none, particularly when I had two house sales fall through and we had to start the process all over again. Becky’s easy going and friendly nature made a stressful situation very easy. She is a credit to the team and the company.” - Supt. SJS – Lancashire Constabulary
IT STARTS WITH A CONVERSATION…
We know from experience that what works for one person doesn’t necessarily work for another. Simply by talking to you to find out what your current position is, and where you would like it to be, our advisers can help you to build and plan for a more secure future. Did you know, for example, that buying a new home is not the only time you could benefit from mortgage advice? We can advise on 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 most competitive 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.
* If you feel as though you are ‘locked-in’ to your current mortgage with a penalty payable, we are able to assess whether there’s a cost saving to be made by paying the penalty and by switching your mortgage to an even better deal.
We’re delighted to offer senior police officers the following benefits:
IMPARTIAL independent mortgage and protection advice
PERSONAL service from highly qualified and experienced professionals
ACCESS to the Whole Market together with mortgage providers not available on the high street
Call us for help with:
· Residential mortgages
· Buy to let*
· Low credit score and complex credit history
· Commercial or semi-commercial mortgages*
· Protection Insurances
· Secured loans
Short-term (bridging) and development finance*
Short-term (bridging) and development finance*
· Equity release/lending into retirement
· Overseas mortgages**
*Some lending is not regulated by the FCA.
**Changes in the exchange rate may increase the sterling equivalent of your debt.
**Changes in the exchange rate may increase the sterling equivalent of your debt.
To arrange a FREE no-obligation consultation, call 0151 625 0011 (Office) or 07912 215660 (Ian Ward) or by emailing: [email protected]
Your home is at risk if you do not keep up repayments on a mortgage or loan secured on it. Think carefully before securing debts on your home. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances but we estimate it to be no more than £495.00. Willson Grange Mortgages Limited is authorised & regulated by the Financial Conduct Authority (FCA). Registered in England No. 12159757. Willson Grange Mortgages: 50 Grange Road, West Kirby, Wirral CH48 4EF.
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JMW Solicitors
Wills, tax and estate planning & legal services
Here at JMW we recognise that when people need to approach a lawyer it can often be a daunting experience. We have approachable, experienced lawyers who are waiting to assist you and guide you through matters using clear and simple terms. We are here to help for the ordinary issues as well as the extra-ordinary so whether you are moving house, are injured in an accident or just want to make a will – we can guide you through the process. We are ‘full service’ at JMW which means we should be able to help no matter what your query is so if you would like a no obligation conversation with one of our lawyers call us on the dedicated PSA helpline on 0161 838 2862 or email us at [email protected].
PSA employees will receive 15 minutes free legal advice on any legal matter by telephone. In addition JMW offers PSA employees a 10% discount from our normal fees in all legal matters.
See further information here and a price list here.
PSA employees will receive 15 minutes free legal advice on any legal matter by telephone. In addition JMW offers PSA employees a 10% discount from our normal fees in all legal matters.
See further information here and a price list here.
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Keystone Law
Family Law specialists
Hannah Cornish and Sarah Thompson have nearly 40 years’ experience between them advising serving and retired police officers on their family law issues. They train family law solicitors on the complexities of police pensions on divorce and are at the forefront of the legal profession when it comes to advising on public sector pensions on divorce.
Hannah and Sarah have unrivalled experience and knowledge in family law issues experienced by police officers and can guide you through these issues:
• Divorce
• Police pensions on divorce
• Resolution of finances on divorce or separation
• Disputes involving children, such as residence and contact arrangements, parental alienation
• Cohabitation disputes
• Domestic violence
• Surrogacy and adoption
They offer an initial free no obligation consultation and a 20% reduction in fees from their usual hourly rates. They also offer fixed fees where appropriate.
To find out more visit www.keystonelaw.co.uk or email [email protected] or [email protected]
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Gorton Wealth Management
Pensions advice and financial services
Dan Gorton, a Partner of St. James’s Place, offers members personal financial advice on their pension arrangements and other financial needs. Dan has been assisting individual members of the PSA and CPOSA across the UK for a number of years as well as offering seminars to associations in London and the South East. Dan has been a financial adviser for 15 years and is a Chartered Fellow of the CISI and a Chartered Wealth Manager.
Contact: [email protected]
Tel: 07557 683373
Web: www.gortonwm.co.uk
Gorton Wealth Management 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. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.
SJP Approved 01/06/2023
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Free Whole of Market Mortgage Advice Information
Should I remortgage early? Is now the right time to buy? If you have mortgage questions that need answering, then help is at hand. The Fee-Free Mortgage Advice Service is provided by Tenet Mortgage Solutions Ltd, they can help answer these and other mortgage questions you may have.
A mortgage is a loan secured against your property, your property may be at risk if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage.
Get in touch Mortgage Enquiry | Police Mutual
PMGI Limited trading as Police Mutual acts as an intermediary for the purposes of introducing its customers to Tenet Mortgage Solutions Limited, part of Tenet. PMGI Limited is authorised and regulated by the Financial Conduct Authority.
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No1 CopperPot Credit Union
No1 CopperPot Credit Union are a not-for-profit organisation who offer savings, loans and mortgages exclusively to the Police Family. Savers are rewarded on an annual basis with a share of the organisation’s profits, in the form of a dividend.
No1 CopperPot Credit Union are a not-for-profit organisation who offer savings, loans and mortgages exclusively to the Police Family. Savers are rewarded on an annual basis with a share of the organisation’s profits, in the form of a dividend.
No1 CopperPot’s aims are to:
Encourage people to save
You can save between £5 and £1,000 per month, and deposit lump sums up to £40,000
Provide affordable borrowing options
We offer police specific loan products for a range of purposes, including our Commutation Loan
Provide financial education
As well as the information on the wellbeing area of our website, we can also deliver financial wellbeing inputs to your Officers and Staff.
For more information, visit www.no1copperpot.com
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