Financial planning events / Retirement Seminars

Police Mutual Retirement Seminars

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

When it comes to providing you with support as you approach retirement we’ve gone further than most.

This bespoke course has been designed specifically for Superintendents, 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.

However, we don’t believe that a course alone is sufficient. It’s too much to expect an individual to retain information they received up to 12 months earlier. This is why we developed the Retirement Centre to act as a ‘one stop shop’ for officers approaching retirement. It’s aimed at giving you an easily accessible, central resource of relevant information. The course will help you navigate this site.

We also know that, with plenty of other things going on as you approach retirement, it’s easy to forget to complete some of the preparations you had every good intention of undertaking. This is where the ‘Keeping In Touch’ activity steps in, providing quarterly email reminders of some of the actions you should be considering as retirement approaches. The course allows you to register for this support.

Retirement can bring huge changes to more than just your income. Our one day course covers lifestyle as well as financial aspects of your retirement and delegates are encouraged to really think about the retirement they want and how they can achieve it. The course itself is highly interactive with many delegates leaving having gained a great deal of value.

“It made me realise I didn’t know as much as I should”“Excellent course, very beneficial and certainly gave me food for thought”

Key areas covered include:

Coping with change
Understanding the Police Pension Scheme and your options
Financial Planning for Retirement
Investing your commutation
Life beyond the Force
Career Planning
Wills and Estate Planning

To register your details for our Superintendents’ Pre-Retirement course simply:

Email us at seminars@pmas.co.uk or call us on 01543 305387

We have virtual courses being held on:

· Thursday 28 September 2023

· Wednesday 25 October 2023

To reserve a place, simply email your contact details to seminars@pmas.co.uk

Passionate about Police Welfare
Life in the Police Service has changed a lot since we were set up in 1922. As policing continues to change, we’ve recognised your needs are changing too and have broadened our services to make sure we’re as relevant to the Police today as we were over 90 years ago, for more information visit www.pmas.co.uk

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Reflect Financial PFM - Retirement Seminars

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.

Points of contact: Philip Pearson (philip.pearson@sjpp.co.uk) 07779 325803

Tim Jackson (tim.jackson@sjpp.co.uk) 07768 301482

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.

Pre-retirement seminar dates for 2023
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:

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 sign up to your chosen seminar using this link - https://forms.gle/GV16VWJw7cR5VHLb7

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Amber River True Bearing Retirement Seminars

Please see below information provided by Amber River True Bearing Financial:

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 maria.dabipi@amberrivertb.com or (07545 834030).

For further information on the company visit www.amberrivertb.com/true-bearing

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

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

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Close Brothers

Providing financial education and guidance - every step of the way

Close Brothers have been providing financial education, advice and investment management services to members of the Police Superintendents’ Association for over 20 years.

Our retirement events are provided to Association members free of charge and are held from 09:30 to 16:30 in London - refreshments, lunch and reference materials are provided and your spouse/partner is also very welcome to attend.

Forthcoming 2023 dates are:

23rd June
12th October

We recommend that members attend when they have approximately 25 years police service to allow 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

Capital may be at risk. Tax benefits depend on individual circumstances and tax rules may change.

To book onto an event or to find out more, visit:

https://www.moneytalksatclose.com/p-supers/retirement

Or contact Jane Scarff on jane.scarff@closebrothers.com or 07710 650 925

Telephone calls made to any member of Close Brothers Asset Management may be recorded. For more information about how we process your data, please see www.closebrothersam.com/legal-centre/privacy-policy/.

Here are what some of your member colleagues thought of our events:

“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 over 50 years. We work with over 250 of the UK’s best known organisations including AstraZeneca, BAE Systems, BP, Jaguar Land Rover, National Crime Agency and Shell 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; - we are one of the few firms to provide a complete financial planning and investment service, our driving aim is to make life simple for our clients, providing peace of mind as we protect, manage and grow their wealth.

Our clients rely on us to look after their wealth – in many instances their entire livelihoods, everything that they have earned in their working lives. In effect they give our team the privilege of looking after what is probably the most important thing in most peoples' lives after their personal health and their families.

It’s important to remember that the value of investments can go down as well as up, and you may get back less than you invest.

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Police Clubs Financial

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.

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 info@policeclubsfinancial.com to reserve a space.

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