Cumbria Police Federation

Reflect Financial

Bespoke Financial Advice for 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 police officers for over twenty years.  During this time, he has developed a strong reputation within Cumbria Police for providing the highest quality financial advice and for helping police officers make provision for their ongoing financial security. 

Philip also supports members of Cumbria Federation 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

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 clients’ money under investment, 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 continuously and closely 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 the PFEW, Tim has a detailed knowledge of the various police pension schemes and taxation matters.

Points of contact:             Philip Pearson ( 07779 325803

                                                Tim Jackson ( 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 The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.