Philip joined the financial services sector in 1989 following a fourteen-year military career. Since joining financial services, Philip has gained a wide range of experience including eleven years working as an independent financial adviser before choosing to set up his own business, Pearson Financial Management (PFM), in 2005. Philip, then running a successful Senior Partner Practice of St. James's Place, merged PFM with Reflect Financial in 2020. With over three decades in financial services, Philip specialises in providing expert advice across pensions, savings, investments, and Inheritance Tax planning, with a particular focus on serving the police community. He conducts over 40 bespoke pre-retirement courses annually for various police forces and police staff associations. He has a detailed understanding of the unique financial planning needs of police officers and their families through building long-standing relationships.