Our Team

We work in collaboration with St. James’s Place Partner Practices throughout the UK.

Please note that the Advisers below run their own Practices within
St. James’s Place and do not operate in a legal partnership with Police Money Matters.

Please click on our representatives profiles to find out more about them.


Stuart Lindsay
Financial Adviser at Gilson Gray Financial Management LLP, Senior Partner Practice of
St. James's Place Wealth Management

Stuart has been with St. James’s Place since 2014 having previously had a successful career within Commercial & Corporate Banking. Since joining St. James’s Place Stuart has dealt with a number of retired and retiring police officers and covers most areas of Scotland giving financial advice to Police Officers and their families. Dealing with Police Officers is an integral part of Stuart’s business and he enjoys presenting at the retirement seminars as well as following up with the officers individually.


Liam Baillie
Liam Baillie Wealth Management, Partner Practice of St. James’s Place Wealth Management

I have been delivering seminars and looking after retiring police officers for 7 years now. I firmly believe in building strong long term relationships with my retiring police officers and conducting regular reviews to take account of their changing circumstances. Having already achieved the Diploma in Financial Services I achieved Chartered Financial Planner status in 2020, one of the most prestigious accolades in the industry. Expert effective holistic financial wealth management advice can make the difference between a prosperous future and the disappointment of unrealised potential. Put another way, I am able to help clients change” life uncertainty” into “life control”. Big decisions are only difficult because of perceived complexity. We eliminate this complexity, providing you with clarity and the decision making becomes easy. I help my retiring officers make smart decisions about their money, having provided strategic advice and guidance to clients since 1998. I help create really effective holistic financial strategies through wealth management techniques that empower my clients to create and enjoy better futures.


Mark Neillings
Associate Partner of St. James's Place Wealth Management

I have been providing financial planning advice to clients for over 20 years. I started my career in financial services with CIS in 1999 where I gained extensive experience both as an adviser and a manager, and latterly as a senior financial adviser with Bank of Scotland, before joining St. James’s Place Wealth Management in 2013.

During my years in the industry, I have gained expertise in many areas of financial planning, specialising in retirement, investment, and tax planning solutions.

Since 2014, delivering seminars throughout Scotland to retiring police officers and their families has been a core part of my business, providing a bespoke and tailored service to help with the transition from employment to retirement.

I firmly believe in building strong, long term relationships with my clients to take account of any change in circumstances through to state pension age and beyond.

My objective is to help clients achieve their goals and aspirations in retirement through sound financial planning and advice.


Roy Wood
Senior Partner of St. James’s Place Wealth Management

After university I joined Barclays Bank in Pall Mall London as a commercial lending manager.

After a very enjoyable decade with Barclays I joined the newly formed
St. James's Place at the beginning of 1997 & have developed a Practice specialising in investment & estate planning.

I have been advising police officers over the last five years & have enjoyed delivering Police Money Matter seminars in Cumbria, Nottinghamshire, Lincolnshire, West Midlands, Warwickshire, Cambridgeshire, Bedfordshire, Leicestershire, Norfolk & the Met.


Andrew Benning
Benning Financial Management, Associate Partner Practice of St. James's Place Wealth Management

I provide financial advice to Police Officers of Northern Ireland and I have worked with Police Money Matters for over 15 years. My objective is to ensure each client I see receives suitable financial advice so that they can achieve their financial objectives in retirement. Based in Belfast I aim to develop a professional relationship with each client I see and manage their financial wellbeing up to state pension age and beyond.

I get great satisfaction out of seeing Clients enjoying their retirement. Assisting Police Officers with the transition to retirement and then providing a strategy that allows them to meet their retirement objectives is very fulfilling.

I specialise in providing advice regarding Police Pension Schemes and Investment Planning. I deliver seminars/webinars in Northern Ireland and across the UK covering a wide range of topics and provide 1 to 1 appointments to discuss personal financial matters.


Paul Silcock
Paul Silcock Wealth Management, Associate Partner Practice of St. James’s Place Wealth Management.

With over 25 years spent working in the Financial Services industry, Paul has a Wealth of Experience as a Trusted Adviser to an extensive network of Clients.

Paul puts his Clients at the centre of everything he does by working closely with them to build, implement and adapt bespoke financial plans tailored to their individual objectives. Paul helps his Clients to secure their financial future, by providing clear and focussed advice, giving his Clients financial peace of mind.

Paul delivers Seminars and Webinars across several Police Forces for Police Money Matters and specialises in guiding Police Officers and their families through the transition from employment to retirement and beyond.


Sandra Robertson
Financial Adviser at Gilson Gray Financial Management LLP, Senior Partner Practice of
St. James's Place Wealth Management

I have been providing financial advice for over 20 years and have a wealth of experience, spending the past 5 years with St. James’s Place. I work closely with retiring police officers, from delivering the retirement seminar and helping newly retired police officers plan for their retirement, to continuing to build long term relationships with existing police clients and their families.

I am committed to working together with my clients to achieve financial wellness across the generations, from young to old. In an ever-changing world it is essential to receive trusted, straightforward advice.


Helena Lindley
Associate Partner of
St. James’s Place Wealth Management

I have been working in financial services for over twenty years. Prior to joining St. James’s Place, I worked in Compliance and Risk for a large finance broker before becoming an adviser. I specialise in retirement and investment planning and place huge importance on developing relationships with my clients. I help my clients throughout their working lives and beyond to ensure that my advice is, at all times, comprehensive and appropriate.


Andrew Varley
Andrew Varley Financial Planning
Partner Practice of
St. James's Place Wealth Management

In September 2019 I launched my business, Andrew Varley Financial Planning, a Partner Practice of St. James's Place Wealth Management. I wanted to put my experiences into practice to provide practical and qualified advice for real people, families and small businesses.

My own personal experience comes from 23 years working as finance controller and business partner in telecoms finance with BT and Colt Technologies, managing large multi-million pound business-to-business budgets. For the last decade of that career, I specialised in customer service functions and I maintain that customer focussed approach into my financial planning business.

The St. James's Place approach aligns completely with my vision to provide clients with ongoing financial peace of mind. I recognise that financial planning is not something that was taught at school and can get pushed to the back of priority lists. It can become complex and is constantly evolving. I can provide a single financial relationship that will allow you to manage and build towards your priorities and financial goals. The building-block of my service is a face-to-face financial review (zoom or other video conferencing platform work well for these as well as at home or in office) and my client service charter is tailored to suit the bespoke individual needs of each of our clients. A typical client would be family building professionals, business owners and SMEs.


The PMM liaison team comprises former Police Federation Officials from right across the UK, who work alongside the PMM teams. Whilst these individuals are not employees of either Police Money Matters or St. James's Place Wealth Management, they provide valuable support to the PMM teams.


Tony Laud
Senior Coordinator

Joined Cambridgeshire in 1980 and worked as a patrol officer in various parts of the Force. I became the JBB Secretary in 1995 and remained in that role until retirement in July 2012. I was then employed by Cambridgeshire Police Federation as Pensions Adviser to represent both serving and retired officers. I provided general advice on pension issues but also represented pensioners involved in reviews of their pensions. This came to an end in June 2015 when the new pension scheme had commenced and Cambridgeshire decided to discontinue most injury award reviews. Still involved with Police Pension issues as the NARPO representative on the Pension Board for Cambridgeshire, Bedfordshire and Hertfordshire. Currently covering Norfolk, Cambs, Lincolnshire, Notts, Leicestershire, West Mercia and South Yorkshire.


Deborah Williams
Senior Coordinator

Deborah was born in Wolverhampton and joined West Midlands police as a cadet in 1983. She retired from the force in 2015 having been a full time Fed Rep for the last 5 years of her police service, supporting officers in a number of areas including retirement in particularly ill health retirement and injury awards. Debbie has worked with PMM since April 2015 assisting with retirement seminars in the Midlands.


Alan Jones
Senior Coordinator

Alan retired from the South Yorkshire force in March 2013 after a 38 year career. He spent over 20 years as a local, regional and national Police Federation representative. He acquired a wealth of skills and knowledge from his various and extensive Federation roles which along with a strong appreciation of retirement and general pension issues creates a helpful mix of inputs to those about to leave policing and take on new challenges. Even if that challenge is simply to enjoy the rewards of retirement!

Alan is an active member of NARPO and is currently a branch secretary which keeps him in touch with many retired colleagues. He also sits on the South Yorkshire Police pensions board representing South Yorkshire NARPO members.


Perry Oliver
Senior Coordinator

Perry served exactly 30 years in the Met Police retiring as an Inspector in November 2012. Having served as a Constable, Sergeant and Inspector on J, K & H Districts he transferred to the Territorial Support Group (TSG) in 1999 & effectively stayed on their ‘books’ until he retired. However he spent the last five years of his career seconded to the Inspectors Branch Board of the Met Federation firstly as Deputy General Secretary and subsequently as General Secretary from 2011 until his retirement.


John Giblin
Senior Coordinator

John served 32 years as a police officer, having joined the service in July 1982 and retiring in June 2014. He served the first 5 years in Greater Manchester Police, in uniform and CID, before transferring to the Gwent Constabulary and the country of his birth. He was promoted to Sergeant in 1989, serving in various operational capacities within the force and Home Office District Police Training Centres. The last 12 years of his service were spent on the Police Federation of England and Wales National Joint Central Committee. He held various secretarial and chairman roles on a number of sub-committees during that time and was for the last 6 years chairman of the Sergeant's Central Committee of England and Wales.


Andy Ward
PMM Coordinator

Andy retired from Durham Constabulary in 2019 after completing 30 years police service at the ranks of Constable and Sergeant, the large majority of which was spent in front line uniform operational roles, including 6 years as a Custody Officer. He spent 22 years as a Police Federation representative, specialising in Health & Safety, Equality, Conduct & Performance and Custody representation. In 2013 he was elected as a national PFEW Representative for the North-East region and a year later took up the role of National Deputy General Secretary, helping to lead the organisation through unprecedented reforms during an extremely challenging and turbulent political time for policing. As well as heading up the national PFEW Claims Department, responsible for processing and managing member’s claims for legal assistance, he also gained a wealth of experience as the national lead on Conduct & Performance, Fitness Testing and Custody. In retirement he remains active as a Policing Advisor to a national charity and as a Training Consultant; he also holds several Lay-Member panel roles relating to professional misconduct and employment.