Bespoke Police Services

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 police officers for over twenty years.  During this time, he has developed a strong reputation within police forces and staff associations for providing the highest quality financial advice and for helping police officers make provision for their ongoing financial security.  

Philip also supports 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, include essential topics such as:

• Money Management
• Investment Strategy and Risk
• Wills/Estate planning
• Preparing for retirement
• Police pensions and taxation

St. James's Place

Philip is a Senior Financial Planning Consultant within Reflect Financial Limited, a Partner Practice of St. James's Place (St. James's Place).  St. James's Place is a multi-award-winning FTSE 100 company.  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 Police Superintendents’ Association (PSA), Tim Jackson QPM.  Having led for the PSA on police pension reforms, and worked closely with other staff associations in relation to these, Tim has a detailed knowledge of the various police pension schemes and related taxation matters.

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.

Will writing involves 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.