Money Matters

Money Matters
A Multiple Helpdesk

Surgery

23rd March 2017
Framlingham Technology Centre

9AM - 12.30PM
Kindly sponsored by Hugh J Boswell Insurance

Event in partnership with

A special thanks to Robina Wilkes of AMS (Outsourcing) Services Limited
for conceiving this event and helping bring it to fruition.

Money Matters!

‘Money makes the World go round’, or more realistically – it is what business revolves
around. So, Suffolk Business Hub has created an event dedicated to the topic. We’ve
congregated as many advisors, experts and ‘people who know’ as we can squeeze into
the Framlingham Technology Centre to host help desks answering questions on anything
loosely related to money.

Here’s the all-important list of help desks:

Hugh J Boswell – Chartered Insurance Brokers
MENTA – Business Support

Suffolk County Council – External Funding Team. Heritage Coast LEADER Programme
(funding)

Ensors Chartered Accountants
Blocks Solicitors

Tracy Ward – Project Management, Consultancy and Training
AMS (Outsourcing) Services Limited

(not available on 23rd but appointments being taken for 29th March)
Claydens – Independent financial advisors
New Anglia Growth Hub – Business Support
Barclays Bank
Finance East
Jenny Labbett Computer Services
IP21 – Intellectual Property Consultants
Justin Grainger – Crowd funding

We’ll tell you a bit more about each on the following pages. Have a read then all you have
to do is call 01728 726500 or email team@t-centre to book as many free 15 minute
appointments as you like. Just let us know the times you are available on the 23rd March
and we’ll try and keep your appointments as close to each other as we can (appointments
with AMS (Outsourcing) Services Limited available on 29th March).

But first, a word from our Money Matters
Sponsors

With time being scarce for most business owners, events like these are an essential
forum for easy-to-access information and support to be shared. Hugh J Boswell started as
a single person working from a one room office in the centre of Norwich 111 years ago.
Today, the business remains independently owned but employs more than 70 people
across two branches. There is little doubt that the support of other community
businesses and organisations has helped the company achieve what it has.

Suffolk Business Hub thanks Hugh J Boswell for their support.

Read more details about their helpdesk below and on the following page.

Hugh J Boswell

www.hughjboswell.co.uk

We are an independently owned insurance broker, with more than 70 staff across offices
in Norwich, Bury St Edmunds and London. Our integrity supports all our client
relationships and our experience enables us to offer advice that protects our clients in a
continually changing environment.

Hugh J Boswell started as a single person working from a one room office in the centre of
Norwich 111 years ago. Today, the business remains independently owned but employs
more than 70 people across two branches. There is little doubt that the support of other
community businesses and organisations has helped the company achieve what it has.

The areas we can cover include:

 Safeguarding your business in the event of loss
 Managing your risks to prevent financial loss
 Paying the right price for your commercial insurances
 Protecting your business from cyber attacks

Hugh J Boswell cont.

On the help desk:
Michael Jobson: After completing a Bachelor of Science degree in
geology and environmental studies I worked for a legal expenses
company and a local broker before joining Hugh J Boswell in 2010 as
an Account Handler. Since then I have been promoted to senior
Account Handler and now to the position of Account Executive.

Jo Hocking: After completing A-levels I went to work for a large local
insurer. I then joined another local broking company and worked my
way up from a Trainee Account Handler to Account Executive,
servicing clients throughout East Anglia and London. In 2014 I joined
Hugh J Boswell to open and manage their Suffolk branch. This was a
fabulous opportunity, to not only continue servicing clients in and
around my community, but with the fresh challenge of opening a
second office for a long-established brand.

MENTA

www.menta.org.uk

MENTA is Suffolk’s business support agency providing existing businesses as well as start-
ups with a wide range of cost effective services including business skills masterclasses,
workshops, advice, events and information.

We’ve been supporting Suffolk’s business community for over 30 years and whilst we are
a not-for-profit we don’t receive central government funding.

MENTA’s aim is to help people start and grow their businesses, improve their
performance and encourage them to realise their potential.

If you are thinking of starting up a business in Suffolk or already have an existing business
and require impartial advice on the best ways to manage and grow your company or
business, the MENTA team will help.

As entrepreneurs and business owners, our team of business advisers and trainers have
first-hand knowledge of the issues you face.

From one-to-one advice sessions to business skills masterclasses and seminars and
regular networking events, MENTA will help you grow and expand your enterprise.

MENTA will be able to help with:

 Start-ups with Start-up Loans
 Funding Loans and grants for established business
 Start-ups and Pre Start-ups with three, free Start Right for Business workshops

covering marketing, book keeping and business planning
 Existing business with masterclasses to gain a better understanding of their

accounts including, profit and loss, balance sheets and book keeping
 Ambitious businesses over three years old who’d like to meet with a finance

expert who can help with various money aspects including cash flow forecasting
and financial decisions through our free, Expert Connections programme
 Access to expert financial support via MENTA Patron, Ensors Chartered
Accountants

On the Help desk:

Teresa Logan from MENTA will be able to talk with visitors to our
Help Desk and will be your point of contact.

Suffolk County Council

Heritage Coast LEADER Programme
Suffolk County Council is the accountable body for the Heritage Coast LEADER
programme. LEADER funding is designed to help farmers, growers, foresters, rural
businesses and rural community organisations:
 Create jobs
 Grow their business
 And support the rural economy

To qualify applicants must contribute to one, or more, of Defra’s six priorities for LEADER:
1. Increase farm productivity
2. Support micro businesses, small businesses and farm diversification
3. Boost rural tourism
4. Provide rural services
5. Provide cultural and heritage activities
6. Increase forestry productivity.
Grants will typically be within the range of £2,500 to £35,000 (although higher grant
amounts may be available where significant outcomes are generated).
Most grants will be limited to a maximum of 40% of the project’s total eligible costs.
However, some projects may qualify for higher rates.
On the help desk:

Paul Henry: LEADER Facilitator, Suffolk County Council.

Ensors

www.ensors.co.uk

For over 125 years Ensors Chartered Accountants has consistently helped businesses,
throughout the East Anglia region, meet the challenges that lie ahead of them. By
listening to clients, understanding the environment they operate in and identifying
opportunities for development, Ensors has been able to offer specific advice and services
that are tailored to the individual needs of the business. It is this philosophy that has
resulted in Ensors becoming a recognised provider of Accountancy services to businesses
in East Anglia.

Areas we are covering:

 How to prepare the financials for your business plan (including a cash flow forecast)
 Tax! Personal, business, company, employment, inheritance or VAT
 Your obligations to HMRC if you are an employer
 Making Tax Digital explained – what is the Government intending to do
 What is the best structure for your business

On the help desk:

Jonathan Wingfield: Having joined Ensors in 2002, Jonathan
completed his studies and qualified as a certified chartered
accountant in 2006.

Jonathan is responsible for preparing end-of-year accounts and tax
returns for a varied portfolio of clients, from small sole traders to
limited companies. His clients operate in a wide range of business
sectors, including service industries, retail and agriculture.
Jonathan’s friendly and easy going communication style makes him
a great advisor for small start-up businesses and he particularly
enjoys supporting such enterprises as they grow and develop.

With an instinctive problem solving ability and strong
communications skills Jonathan enjoys meeting new clients and
helping them meet the requirements of current finance and tax
legislation in an efficient and timely manner.

Blocks Solicitors

www.blockslegal.co.uk

At Blocks we provide excellent legal advice and services, in order to meet your legal
needs at a reasonable cost. We are a firm of expert lawyers committed to high quality
service with excellent client relationships, many of them of long-standing. Blocks
Solicitors has been serving both commercial and private clients in East Anglia for over
125years.
Our employment and commercial lawyers specialise in providing clients with advice on
the actions and documentation that can assist you and your business immediately, and
also provide protection moving forward.

Areas we can help with:

 Business ownership structures (Partnerships, Companies etc.)
 Shareholder Agreements
 Commercial leases or property ownership
 Franchising and Licensing
 Sale Agreements
 Problems with employees or other business relationships.
 Ending of employment, redundancy, settlement agreements
 Contracts of employment
 What employment polices you really need/do not need
 Provisions to stop stealing your customers or information

On the Help Desks: (Please book to see either Frances or Craig)

Frances Barker, Employment Partner: Frances qualified as a Solicitor
in 1987. She has experience in a wide variety of environments
including a range of private businesses, the City of London, education,
the health service and local government. Frances will work with you
on any employment matter, using her legal and commercial expertise
to help you achieve the best outcome possible. You will feel reassured
that she will be available to assist and advise, ensuring that you fully
understand your options and make the best choices at each stage.

Craig Fiddaman, Commercial Team Solicitor: Craig joined our
Commercial and Corporate team in May 2016. He advises clients upon a
broad range of corporate matters, including business structures,
transactions and a wide range of commercial agreements. Giving clear,
practical and strategic commercial legal advice, Craig helps businesses
and their owners achieve their commercial aims.

Tracy Ward

Tracy is a Qualified Accountant, Project Manager and Six Sigma Black Belt in change
management. She has c.30 years’ experience in industry working with Leadership
Teams to drive businesses forward by:

 Guiding organisations to improve their understanding of their Finances
 Investigating and analysing problems and providing practical and deliverable

solution
 Managing the successful delivery of small and large complex projects

Tracy prides herself on her communication style and ability to manage and work
with cross functional teams. She recognises that people "make or break" businesses and
in her management roles has focused on the development, personal growth and well-
being of others being a priority. To support this, she has coached and mentored
many individuals and successfully created and delivered professional training for Project
and Change Management, Finance for Non-Financial Managers at work and also Money
Management courses for young students.

Tracy can help with:

 Management Accounting and KPIs - What are your Finance's telling you?
 Improving profitability - control your costs or improve your efficiency
 Project Management - how to ensure successful changes in your business

On the Help Desk:

Tracy Ward: Tracy is now working freelance and is available to help
create value in your business through coaching, training, consultancy
and delivering individual projects.

AMS (Outsourcing) Services Limited

www.amsoutsourcing.co.uk

We help businesses to focus on activities that support their core strategy and strategic
vision, by relieving them of all non-core and non-value adding operations - efficiently and
cost-effectively. Established in 1999, we provide dedicated off-site professional support,
working closely with our clients as an extension of their team.

We deliver financial, business and marketing support services, tailored to the specific
needs of your business. Our Services include:

 Financial management & reporting
 Payroll, cash flow & credit control
 Business administration support
 Executive strategy & planning
 Legal statutory requirements
 Marketing support services

Things our helpdesk can cover (all for service and manufacturing industries):

 Book keeping – how to set-up/maintain your financial records in the most effective
way for you and your business

 Management accounts and reporting – know how your business is performing on a
regular basis, not just at your financial year-end

 Payroll – manage payments to your employees, keep accurate records and file with
HMRC on time in real-time

 Cost analysis – know how your business service or product is performing
 Cash flow – know what your forecast income and expenditure (cash movement) is

now and in 12 months’ time
 Credit control – reduce bad debts, increase income

On the Help Desk:

Robina Wilkes, Finance Director: With over 20 years of experience
in finance, I am an Associate Member of the International
Association of Accounting Professionals, and a Fellow Member of
the International Association of Book Keepers. I am co-leader of
the multi-skilled team of AMS executives.

Claydens Financial

www.claydens.com

We at Clayden Financial have been giving totally independent financial advice since 1994.
Our aim is to provide a professional and friendly service to individuals and businesses
from our offices in Bedstead, near Ipswich, or wherever our clients find most convenient.
We do not give off-the-shelf solutions, striving to put clients’ interests first whatever the
circumstances. Any initial consultation is free of charge.

Claydens can help with:

Anything from mortgages, equity release, life cover, illness cover, pensions, investments,
wealth management, long term care policies to business protection and more.

On the Help Desk:

Karen Last: Karen has more than 30 years’ experience in the
financial services industry. She is passionate about building long-
term relationships with clients by providing sound, practical
advice which is not influenced by fee income or quick, fragile
solutions. She provides a personal and efficient service covering
a wide range of advice.

Karen specialises in pre and post retirement planning for
individuals, and offers advice to companies about their legal
responsibilities in this area. She can advise on how to make the
most of your savings and also how to protect your family or
business from the sad effects of death or serious illness. Karen is
qualified to give advice on equity release mortgages which
enable older clients to release funds from their property.

New Anglia Growth Hub

www.newangliagrowthhub.co.uk

New Anglia Growth Hub provides free support for growing businesses in Norfolk and
Suffolk. No matter what stage you’re at or whichever sector you’re in, our Business
Growth Advisers can offer impartial and confidential guidance, helping you find the right
support needed for your business to grow.

On the Help Desk:

Kurt Scheepers: Kurt Scheepers is a Business Growth Adviser
for the New Anglia Growth Hub, helping businesses in East
Suffolk make the most of the business support that is available
both locally and nationally. He helps businesses access grant
schemes, train and develop and staff, and get the right advice
to help them grow.

Kurt brings a wealth of experience to businesses in Suffolk with
a background of being a director, entrepreneur and business
owner.

Barclays Bank

Barclays business managers Trudy Hawes and Koyas Miah can help with a wealth of
information and advice from getting your business off the ground to boosting your
business digital skills, accepting payments, borrowing money, whatever your business
need. The service you expect from your bank needs to be special. We can switch your
business to Barclays in just 7 working days. Help with cyber fraud by WebEx seminars.

Koyas looks after the start- up businesses in the area. Trudy is Business relationship
manager for those with a turnover of more than £400K. So banking is tailored to your
business requirements. There are two simple price plans and a monthly loyalty reward
with a Barclays service guarantee. We can help with business loans, mobile payments,
accepting payments via Barclaycard.

On the Help Desk:

Koyas Miah: Can talk to you about all the above.

Finance East

www.thefsegroup.com

Finance East is a regional funding organisation for the six counties of the East of England.
Finance East provides an alternative source of loan finance to support high-growth
businesses based in Essex, Suffolk, Norfolk, Cambridgeshire, Bedfordshire, Hertfordshire.
Via the East of England Regional Growth Loan Scheme & East of England Regional Trade
Finance Loan Scheme, Finance East offers loan finance of between £50,000 and £200,000
to established SMEs seeking to implement growth strategies.

Since establishment in 2009, it has supported over 160 companies through the Regional
Growth Loan Scheme, agreeing more than £20m of loans and leveraging a further £50m
of other finance into growth orientated SMEs. Companies supported have created over
600 new jobs in the region.
The Regional Growth Loan Scheme is funded by HM Government via the Department for
Business, Energy and Industrial Strategy.

The scheme has capacity for more lending and the Finance East team are keen to discuss
opportunities – please contact us for more information.

Finance East also work closely with the New Anglia Local Enterprise Partnership to deliver
the New Anglia Growing Business Fund.

Helpdesk topics

 Growth loan funding via the East of England Regional Growth loan scheme - £50,000
- £200,000

 “Project / contract” funding via the East of England Regional Trade Finance Loan
scheme - £50,000 - £200,00

 Access to Grant support via the NewAnglia LEP Growing Business Fund

On the Help Desk:

Hayley Johnson: Hayley joined the FSE Group in April 2013 and
operates from the Ipswich office. She will be managing the New Anglia
Growing Business Fund. Working together with New Anglia Local
Enterprise Partnership and the Suffolk County Council, Hayley will be
appraising new Grant funding proposals from SME’s in the Ipswich and
Norwich areas. Hayley previously had a successful 17-year career at
NatWest Bank and her roles included Relationship Management and
Business Development in the Commercial business. During these roles,
Hayley would work closely with the management teams and provide
appropriate finance packages.

Jenny Labbett Computer Services

www.jennylabbett.co.uk

Jenny Labbett is a freelance IT consultant, with clients in the public, private and not-for-
profit sectors. She helps businesses to make their IT systems more efficient and cost
effective, by providing them with strategic and practical support in their use of Microsoft
Office. This ranges from running highly customised Excel training workshops to
developing bespoke Access databases.

Jenny can help with:

 How Excel could be helpful to your business
 Whether Excel is the right solution for you
 Answering your Excel questions

On the Help Desk:

Jenny Labbett: Jenny started her consultancy in the mid-nineties.
Previously she worked in the voluntary sector (Citizens’ Advice) for
nine years, and in the public sector in London for ten years, where her
experience encompassed advice work, office management, training
staff, IT support in schools, and IT project management. Jenny has an
honours degree in sociology and a postgraduate qualification in
computing.

IP21

www.ip21.com

IP21 is a full service Intellectual Property (IP) Law Firm with offices in Norwich, Bury St
Edmunds, Chelmsford and London. We help our clients to protect their investment in
innovation and branding by utilizing the IP legal systems to secure competitive advantage
and generate revenue. Our services encompass all aspects of IP Law, which tends to focus
on providing registration, prosecution and enforcement of the major IP Rights (Patents,
Trade Marks, Designs and Copyright), as well as IP Portfolio Management, IP Strategy, IP
Consulting, IP Valuation and specific Legal Advice in contentious or ongoing IP Matters.
IP21’s team of legal and commercial experts have helped secure and enforce IP Rights all
over the world, and allowed thousands of clients to start to build value in relation to their

innovation and brands. We offer a free of charge no-obligation initial consultation at any
of our offices to explain how the IP legal systems operate in terms of options, processes
and costs; and specifically, how they can be exploited to achieve the commercial
objectives relevant to the situation at hand.”

IP21 can help with:

Advice on all aspects related to intellectual property, including monetising IP and
enhancing the value of business though IP (leveraging IP rights, IP strategy, IP auditing
and IP valuation).

On the Help Desk:

Dr Cristina Penine – BSc PhD (Cantab) CPA EPA: Cristina is a Chartered
UK and European Patent Attorney, holds a BSc in Physics and Computer
Science as well as a PhD in Solar Physics from Cambridge University.
Cristina has worked as a researcher in Canada, Japan and USA (at the
NASA Space Flight Centre), and here in the UK at the Rutherford
Appleton Laboratory during her career.

Having trained and qualified at a leading London firm, Cristina has broad
experience prosecuting and enforcing IP Rights in countries all over the
world on behalf of some of the world’s leading innovators, including
Fintech companies. Her industry experience includes: computer
implemented inventions, oil & gas engineering, photonics, electrical
engineering and general mechanical engineering.

Jeff Morris – BEng MSc (Comp Science) CertIP: Jeff holds a Bachelors in
Electrical Engineering, a Masters in Computer Science and worked for
Marconi Communications as a Software Design Engineer, before entering
the world of IP Law. While at Marconi Jeff was responsible for the
development of embedded software for Photonic (Optical) Metropolitan
Communication and Data Network Systems.

After successfully moving to a career in IP Law, Jeff now specialises in securing and
enforcing patent rights for his clients primarily in the electrical engineering, computer
software and opto-electronics fields working with companies of all sizes from start-ups to
multinationals. Jeff also acts for large companies in the defence, aerospace and
automotive industries.

Justin Grainger

www.conatusfinancing.solutions www.crowdfundme2.co.uk

Justin Grainger is able to explain how different types of crowdfunding might be
considered to market, validate, grow and scale the different stages of your business,
complementary to traditional funding.

Justin is founder and MD of CrowdFundMe2, part of Conatus Financing Solutions based
Suffolk, which uses its Corporate Finance, Alternative Finance, and business growth
consultancy experience to bring funding certainty to growing and exciting businesses in
Suffolk, London and across the UK; ranging from breweries and renewable energy
projects to professional flight simulators in London and new disruptive drone technology.

______________________________

BOOK NOW

You can make 15 minute appointments with as many help desks as
you wish. It is free of charge but to avoid disappointment, please

book by calling 01728 726500 or email [email protected]

www.t-centre.co.uk

_______________________________

Framlingham Technology Centre
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Call 01728 726500
Email [email protected]
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