Reflect Financial

Pre-Retirement Seminar Programme 2025

Helping you plan today, for a future of financial wellbeing.

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 more than 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 Police Superintendents’ Association.

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* and 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 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.

Pre-Retirement Seminar 2025 Programme

The seminars will run from 9am to 5.30pm and will take place at the offices of Derbyshire Police Federation, Unit 104, Coney Green Business Park, Wingfield View, Clay Cross, Chesterfield, Derbyshire S45 9JW on the following dates:

• Tuesday 4 February 2025
• Wednesday 2 July 2025
• Wednesday 8 October 2025.

To register for an upcoming seminar, please email Kirsty Bunn.

You can also email the Reflect Financial police team for more information.

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.

SJP approved 09/12/2024