In/with reference to
Definition 1 of 1
Pro Tip 1/3Subject Clarity
Use 'in reference to' to clarify the subject of your discussion, avoiding confusion. 
In reference to the budget cuts, we need a new strategy.
Pro Tip 2/3Business Correspondence
Often used in formal business emails to introduce the main point or subject. 
With reference to our contract, I have identified several discrepancies.
Pro Tip 3/3Avoid Overuse
Don't overuse 'in reference to'; use it only when switching topics or specifying a subject. 
We resolved the issue. In reference to the meeting, I suggest Thursday.