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 withA 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 revolvesaround. So, Suffolk Business Hub has created an event dedicated to the topic. We’vecongregated as many advisors, experts and ‘people who know’ as we can squeeze intothe Framlingham Technology Centre to host help desks answering questions on anythingloosely 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 fundingWe’ll tell you a bit more about each on the following pages. Have a read then all you haveto do is call 01728 726500 or email team@t-centre to book as many free 15 minuteappointments as you like. Just let us know the times you are available on the 23rd Marchand we’ll try and keep your appointments as close to each other as we can (appointmentswith AMS (Outsourcing) Services Limited available on 29th March).

But first, a word from our Money Matters SponsorsWith time being scarce for most business owners, events like these are an essentialforum for easy-to-access information and support to be shared. Hugh J Boswell started asa 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 peopleacross two branches. There is little doubt that the support of other communitybusinesses 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 Boswellwww.hughjboswell.co.ukWe are an independently owned insurance broker, with more than 70 staff across officesin Norwich, Bury St Edmunds and London. Our integrity supports all our clientrelationships and our experience enables us to offer advice that protects our clients in acontinually changing environment.Hugh J Boswell started as a single person working from a one room office in the centre ofNorwich 111 years ago. Today, the business remains independently owned but employsmore than 70 people across two branches. There is little doubt that the support of othercommunity 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 localinsurer. I then joined another local broking company and worked myway up from a Trainee Account Handler to Account Executive,servicing clients throughout East Anglia and London. In 2014 I joinedHugh J Boswell to open and manage their Suffolk branch. This was afabulous opportunity, to not only continue servicing clients in andaround my community, but with the fresh challenge of opening asecond office for a long-established brand.

MENTAwww.menta.org.ukMENTA 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 area not-for-profit we don’t receive central government funding.MENTA’s aim is to help people start and grow their businesses, improve theirperformance and encourage them to realise their potential.If you are thinking of starting up a business in Suffolk or already have an existing businessand require impartial advice on the best ways to manage and grow your company orbusiness, the MENTA team will help.As entrepreneurs and business owners, our team of business advisers and trainers havefirst-hand knowledge of the issues you face.From one-to-one advice sessions to business skills masterclasses and seminars andregular 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 AccountantsOn 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 CouncilHeritage Coast LEADER ProgrammeSuffolk County Council is the accountable body for the Heritage Coast LEADERprogramme. LEADER funding is designed to help farmers, growers, foresters, ruralbusinesses and rural community organisations:  Create jobs  Grow their business  And support the rural economyTo 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 grantamounts 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.

Ensorswww.ensors.co.ukFor over 125 years Ensors Chartered Accountants has consistently helped businesses,throughout the East Anglia region, meet the challenges that lie ahead of them. Bylistening to clients, understanding the environment they operate in and identifyingopportunities for development, Ensors has been able to offer specific advice and servicesthat are tailored to the individual needs of the business. It is this philosophy that hasresulted in Ensors becoming a recognised provider of Accountancy services to businessesin 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 businessOn 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 Solicitorswww.blockslegal.co.ukAt Blocks we provide excellent legal advice and services, in order to meet your legalneeds at a reasonable cost. We are a firm of expert lawyers committed to high qualityservice with excellent client relationships, many of them of long-standing. BlocksSolicitors has been serving both commercial and private clients in East Anglia for over125years.Our employment and commercial lawyers specialise in providing clients with advice onthe actions and documentation that can assist you and your business immediately, andalso 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 informationOn the Help Desks: (Please book to see either Frances or Craig)Frances Barker, Employment Partner: Frances qualified as a Solicitorin 1987. She has experience in a wide variety of environmentsincluding a range of private businesses, the City of London, education,the health service and local government. Frances will work with youon any employment matter, using her legal and commercial expertiseto help you achieve the best outcome possible. You will feel reassuredthat she will be available to assist and advise, ensuring that you fullyunderstand 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 WardTracy is a Qualified Accountant, Project Manager and Six Sigma Black Belt in changemanagement. She has c.30 years’ experience in industry working with LeadershipTeams 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 projectsTracy prides herself on her communication style and ability to manage and workwith cross functional teams. She recognises that people \"make or break\" businesses andin 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 mentoredmany individuals and successfully created and delivered professional training for Projectand Change Management, Finance for Non-Financial Managers at work and also MoneyManagement 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 businessOn 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 Limitedwww.amsoutsourcing.co.ukWe help businesses to focus on activities that support their core strategy and strategicvision, by relieving them of all non-core and non-value adding operations - efficiently andcost-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 specificneeds 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 servicesThings 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 incomeOn the Help Desk:Robina Wilkes, Finance Director: With over 20 years of experiencein finance, I am an Associate Member of the InternationalAssociation of Accounting Professionals, and a Fellow Member ofthe International Association of Book Keepers. I am co-leader ofthe multi-skilled team of AMS executives.

Claydens Financialwww.claydens.comWe 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 businessesfrom 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 thecircumstances. 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 Hubwww.newangliagrowthhub.co.ukNew Anglia Growth Hub provides free support for growing businesses in Norfolk andSuffolk. No matter what stage you’re at or whichever sector you’re in, our BusinessGrowth Advisers can offer impartial and confidential guidance, helping you find the rightsupport needed for your business to grow.On the Help Desk:Kurt Scheepers: Kurt Scheepers is a Business Growth Adviserfor the New Anglia Growth Hub, helping businesses in EastSuffolk make the most of the business support that is availableboth locally and nationally. He helps businesses access grantschemes, train and develop and staff, and get the right adviceto help them grow.Kurt brings a wealth of experience to businesses in Suffolk witha background of being a director, entrepreneur and businessowner.Barclays BankBarclays business managers Trudy Hawes and Koyas Miah can help with a wealth ofinformation and advice from getting your business off the ground to boosting yourbusiness digital skills, accepting payments, borrowing money, whatever your businessneed. The service you expect from your bank needs to be special. We can switch yourbusiness 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 relationshipmanager for those with a turnover of more than £400K. So banking is tailored to yourbusiness requirements. There are two simple price plans and a monthly loyalty rewardwith 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 Eastwww.thefsegroup.comFinance 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-growthbusinesses based in Essex, Suffolk, Norfolk, Cambridgeshire, Bedfordshire, Hertfordshire.Via the East of England Regional Growth Loan Scheme & East of England Regional TradeFinance Loan Scheme, Finance East offers loan finance of between £50,000 and £200,000to established SMEs seeking to implement growth strategies.Since establishment in 2009, it has supported over 160 companies through the RegionalGrowth Loan Scheme, agreeing more than £20m of loans and leveraging a further £50mof other finance into growth orientated SMEs. Companies supported have created over600 new jobs in the region.The Regional Growth Loan Scheme is funded by HM Government via the Department forBusiness, Energy and Industrial Strategy.The scheme has capacity for more lending and the Finance East team are keen to discussopportunities – please contact us for more information.Finance East also work closely with the New Anglia Local Enterprise Partnership to deliverthe 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 FundOn the Help Desk:Hayley Johnson: Hayley joined the FSE Group in April 2013 andoperates from the Ipswich office. She will be managing the New AngliaGrowing Business Fund. Working together with New Anglia LocalEnterprise Partnership and the Suffolk County Council, Hayley will beappraising new Grant funding proposals from SME’s in the Ipswich andNorwich areas. Hayley previously had a successful 17-year career atNatWest Bank and her roles included Relationship Management andBusiness Development in the Commercial business. During these roles,Hayley would work closely with the management teams and provideappropriate finance packages.

Jenny Labbett Computer Serviceswww.jennylabbett.co.ukJenny 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 costeffective, by providing them with strategic and practical support in their use of MicrosoftOffice. This ranges from running highly customised Excel training workshops todeveloping 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 questionsOn 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.IP21www.ip21.comIP21 is a full service Intellectual Property (IP) Law Firm with offices in Norwich, Bury StEdmunds, Chelmsford and London. We help our clients to protect their investment ininnovation and branding by utilizing the IP legal systems to secure competitive advantageand generate revenue. Our services encompass all aspects of IP Law, which tends to focuson providing registration, prosecution and enforcement of the major IP Rights (Patents,Trade Marks, Designs and Copyright), as well as IP Portfolio Management, IP Strategy, IPConsulting, 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 allover 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 anyof our offices to explain how the IP legal systems operate in terms of options, processesand costs; and specifically, how they can be exploited to achieve the commercialobjectives relevant to the situation at hand.”IP21 can help with:Advice on all aspects related to intellectual property, including monetising IP andenhancing the value of business though IP (leveraging IP rights, IP strategy, IP auditingand IP valuation).On the Help Desk:Dr Cristina Penine – BSc PhD (Cantab) CPA EPA: Cristina is a CharteredUK and European Patent Attorney, holds a BSc in Physics and ComputerScience as well as a PhD in Solar Physics from Cambridge University.Cristina has worked as a researcher in Canada, Japan and USA (at theNASA Space Flight Centre), and here in the UK at the RutherfordAppleton Laboratory during her career.Having trained and qualified at a leading London firm, Cristina has broadexperience prosecuting and enforcing IP Rights in countries all over theworld on behalf of some of the world’s leading innovators, includingFintech companies. Her industry experience includes: computerimplemented inventions, oil & gas engineering, photonics, electricalengineering 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 andenforcing patent rights for his clients primarily in the electrical engineering, computersoftware and opto-electronics fields working with companies of all sizes from start-ups tomultinationals. Jeff also acts for large companies in the defence, aerospace andautomotive industries.

Justin Graingerwww.conatusfinancing.solutions www.crowdfundme2.co.ukJustin Grainger is able to explain how different types of crowdfunding might beconsidered 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 basedSuffolk, which uses its Corporate Finance, Alternative Finance, and business growthconsultancy experience to bring funding certainty to growing and exciting businesses inSuffolk, London and across the UK; ranging from breweries and renewable energyprojects 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 Serviced Offices Meeting Room Hire Virtual Tenancies Room to Grow your Business Call 01728 726500 Email [email protected] www.t-centre.co.uk