Transitioning from military to civilian life can be challenging, but with the right support and preparation, you can step into this next chapter with confidence, for yourself and your family.
In this issue, we bring you practical advice, personal stories, and expert insight that supports every stage of your resettlement. Whether you’re exploring new training opportunities, considering
Contents Welcome
a career change, or thinking about where you’ll live next, you’ll find clear guidance to help you make informed decisions.
You’ll also find stories from those who have walked this path before you, including veterans who found new purpose, rediscovered confidence, and rebuilt their lives with the right support.
SUPPORT
6 MAKING THE MOVE
Everything you need to know about resettling.
21
Leaving the Army ended one chapter of Steven’s life but began another full of new challenges.
28 SECOND CHANCES
Phil Credland tells us about his private battle with addiction, and how the right support made all the difference.
INTERVIEW
18 A WOMAN’S DUTY
Sharon Broderick MBE shares her incredible story.
30 HOUNDS FOR HEROES
We speak to a veteran who regained his independence with the help of his assistance dog.
Find
Learn
There’s
A New Direction
Practical routes and trusted providers to help you retrain with confidence
If you’re planning your next step a er military life, there’s no shortage of options. Whether you want to work outdoors, learn a trade or move into a technical field, these organisations offer structured training and clear routes into work.
BUILDING HEROES
buildingheroes.org.uk
A well-established training provider, Building Heroes runs a five-week construction skills programme for service leavers at centres across the UK. The course covers core trade skills and health and safety, leading to a recognised qualification and CSCS card. Learners gain hands-on experience and tailored support to help them move into employment within the construction industry.
CAPSLOCK
capslock.ac
CAPSLOCK delivers fully online cyber security bootcamps designed for veterans and service leavers. Courses combine live teaching, practical labs and career coaching, with the chance to earn industry-recognised certifications. Training is flexible, supported by dedicated mentors and accessible from anywhere, making it ideal for those retraining while transitioning to civilian life.
VETERANS INTO LOGISTICS
veteransintologistics.org.uk
This charity provides funded HGV driver training and job-matching support for veterans across the UK. Participants can gain Category C or C+E licences and move directly into work with leading logistics employers. The team offers mentoring, interview preparation and pastoral support throughout training — a clear route into a reliable sector with long-term opportunities and strong demand for qualified drivers.
LEARNING CURVE GROUP
learningcurvegroup.co.uk
One of the UK’s largest training providers, Learning Curve Group runs the Valuing Our Veterans programme to help service leavers gain new qualifications and build careers a er the Armed Forces. The initiative offers government-funded courses across construction, business and online learning, with strong employer links and clear routes into civilian work.
HEROPRENEURS
heropreneurs.co.uk
Heropreneurs supports veterans, reservists and military spouses,
across the UK, who want to start or grow their own business. The charity offers free one-toone mentoring, workshops and networking opportunities, with guidance from experienced entrepreneurs on planning, funding and building a sustainable enterprise. It also hosts the annual Heropreneurs Awards, celebrating success across the Armed Forces community.
MISSION MOTORSPORT
missionmotorsport.org
Mission Motorsport helps service leavers and veterans train in the automotive and motorsport industries. The charity offers hands-on courses, work placements and qualifications through its links with major employers and training partners. Participants gain practical experience in vehicle maintenance, engineering and logistics, with support to move into jobs in the automotive sector.
FIND OUT MORE
Visit modctp.co.uk or veteransgateway.org.uk for information on training and resettlement support.
Everyone needs some extra help from time to time, but the unique pressures faced by those in the Naval Community, which exist in almost no other profession, demand a coordinated and comprehensive response.
Royal Navy & Royal Marines Charity works in conjunction with a whole host of military and civilian charity partners to relieve the pressures faced by Royal Navy families. We are there to ensure that they have the support on the ground they need and deser ve.
MAKING THE MOVE
Transitioning from military to civilian life is a major change, but with the right preparation and support, you can take it in your stride
As you near the end of your military career, the shift from the structure of the Armed Forces to civilian life can feel both exciting and uncertain. As you look ahead to your next chapter, the resettlement process will guide you. It can seem daunting at first, so use this as a practical outline of each stage, with advice to help you move forward confidently.
STARTING OUT
The resettlement journey varies for everyone, but it usually begins around two years before your discharge date. This timeframe gives you the chance to attend workshops, training opportunities,
and careers fairs designed to prepare you for life beyond the Forces.
The first stage is preparation, typically starting 12–24 months before leaving. During this time, you’ll gain access to a wide range of resources and support. You can attend career transition workshops to identify new career directions, assess your skills, and refine your CV for civilian employers with expert input. It’s also worth connecting with the Career Transition Partnership (CTP), which offers guidance and links to potential employers — all service leavers can access this support.
GETTING ORGANISED
As your discharge date approaches,
“The skills you’ve gained in service will serve you well wherever you go next”
several key factors come into focus — including employment, education, housing, and finances. When planning your career, think about your goals and how your military skills transfer to civilian roles. Leadership, teamwork, discipline, and problem-solving are all highly valued by employers. Reach out to organisations that actively recruit former military personnel and appreciate the experience you bring.
If you’re considering further study to support your next step, look into grants, scholarships, and training opportunities designed for veterans. It’s also worth thinking about where you’d like to live, whether that’s returning to your hometown
or settling somewhere new. Research housing schemes for ex-service personnel and compare the cost of living in different areas before making your decision.
Financial planning is equally important. Understanding your pension options and entitlements will help ensure a smooth transition. If you’re unsure, seek guidance from financial advisers who specialise in helping Armed Forces leavers.
The final stage, usually six to 12 months before discharge, is about putting everything in place. Confirm your plans, notify the Ministry of Defence (MOD), and focus on interview practice, networking, and building connections in your chosen field.
When your service officially ends, emotions may run high. Remember to stay connected with fellow leavers — peer support can make all the difference as you begin this new phase.
SETTLING IN
Beyond the practical side, it’s worth thinking about how life itself might feel different once you’ve left. Many service leavers say the hardest part isn’t finding work but getting used to a new routine and pace of life. The sense of structure and shared purpose that comes with military service can be difficult to replace at first, and it’s completely normal to find that adjustment takes time.
You’ve developed a huge range of strengths during your service — from problem-solving to resilience — and those skills will serve you well wherever you go next. This isn’t about leaving something behind but building on everything you’ve learned in a new way. Some people find that volunteering or joining local groups helps maintain a sense of community and purpose while they settle in. Keeping active, having a routine, and setting small goals can also make a big difference.
If you have a partner or family, include them in your plans from the start. Transition affects everyone at home, so talk openly about your options and what comes next. Many Armed Forces charities provide advice specifically for families, covering everything from housing and benefits to emotional wellbeing.
And if you find things difficult, don’t bottle it up. There’s plenty of support available, whether through
USEFUL CONTACTS
You don’t have to manage resettlement alone. There’s a wide network of organisations ready to support you throughout your transition: Career Transition Partnership (CTP) – modctp.co.uk
Offers career guidance, job search tools, and training opportunities for all service leavers.
The Royal British Legion britishlegion.org.uk
Provides practical, emotional, and financial support and advice to the Armed Forces community, including families. SSAFA, the Armed Forces charity – ssafa.org.uk
Supports veterans with housing, employment, and financial advice.
Help for Heroes helpforheroes.org.uk
Assists service leavers injured or affected by service with rehabilitation and transition support.
Armed Forces Families Federations – aff.org.uk, nff.org.uk or raf-ff.org.uk
Provides support to Army, Naval, and RAF families, offering advice on housing, education, employment, and life after service.
veteran networks, counselling, or peer groups who understand exactly what you’re going through. Reaching out for help is a sign of strength — and it can make the move to civilian life far smoother. The move from military to civilian life marks a new beginning. Take advantage of the resources available, ask for support when needed, and use the determination that carried you through service to shape a rewarding new chapter.
FIND OUT MORE
The UK Government provides a detailed guide to resettlement for service leavers. Visit gov.uk to learn more.
In your own time
There’s more to leaving the Forces than finding a new career. What you do with your free time can be just as rewarding
When you leave the Forces, adjusting to civilian life can mean you have more free time than you are used to. Finding something that keeps you active, connected and fulfilled outside of work can make a real difference. From sport to volunteering, creative projects to community groups, there are plenty of ways to make those afterhours count.
Stay active
Keeping fit and staying connected often go hand in hand. Sporting Force (sportingforce.org) helps veterans find roles and volunteering opportunities in professional sports clubs, offering a route back into teamwork and shared goals. The Battle Back Centre, run by The Royal British Legion (britishlegion.org.uk), provides adaptive sports and outdoor activities for anyone
looking to rebuild strength or confidence.
Give back
Many veterans find that volunteering brings a sense of purpose similar to service life. REACT Disaster Response (re-act. org.uk), formerly Team Rubicon, sends trained volunteers to support communities affected by crisis in the UK and overseas. SSAFA (ssafa.org.uk) and The Royal British Legion also rely on volunteers for befriending, welfare and fundraising across the country.
Get creative
Creative projects can be a good way to unwind and meet others. Waterloo Uncovered (waterloouncovered.com) brings veterans and archaeologists together on live digs, combining discovery with wellbeing and
teamwork. Alongside the archaeological work, participants can take part in wellbeing sessions and creative activities linked to the project. The Soldier’s Arts Academy (soldiersartsacademy.org) gives serving and former personnel and their families the chance to explore acting, writing, photography and visual arts through free workshops and performances held across the UK and online.
Try something new
Life after service can be a chance to try new things you never had time for before. OpenLearn from the Open University (open. edu/openlearn) offers free short courses in everything from history to languages, to computing and science, so you can learn from home at your own pace. Or something a bit livelier, The Comedy School (thecomedyschool. com) runs workshops in stand-up and improvisation, a fun way to build confidence and try something completely new.
Connect with others
If you miss the social side of service life, Armed Forces & Veterans Breakfast Clubs (afvbc.com) host informal meetups across the UK. They’re open to all ranks and services — just turn up, have a cup of tea, and chat with people who understand what life after service is really like.
FIND OUT MORE
For more veteran-friendly activities, workshops and volunteering opportunities, visit Veterans’ Gateway (veteransgateway.org.uk) and Help for Heroes (helpforheroes.org.uk).
Owning your own home doesn’t have to feel out of reach.
At Keepers Forge, in Leeming Bar, buying through Shared Ownership makes it affordable. Part rent, part buy a modern, energy-efficient new home.
Move in by autumn to receive £500 towards your legal fees!
The skills you’ve developed in the Armed Forces are in demand across the NHS. Find out how you can put them to use in a new and rewarding career
A Career in the NHS
To serve in the military, you need teamwork, determination and compassion — qualities that are equally valued in the NHS. If you want to continue helping people and use your hard-earned experience, a healthcare career could be a natural next step.
FROM SERVICE TO SUPPORT
The NHS has more than 350 different roles, offering opportunities
for people from a wide range of backgrounds. Whether your skills are in organisation, communication or problem-solving, there are roles that make use of those skills — from patient-facing support to behind-the-scenes work in areas such as estates, digital services or management.
Joanna Forster Adams, Chief Operating Officer at Leeds and York Partnership NHS Foundation Trust, said on the trust’s website that the organisation is proud to employ people from the Armed Forces community, recognising
“A career in the NHS means continuing to make a real difference in people’s lives”
the value and experience they bring. She added that the trust “goes the extra mile to support them as part of Team LYPFT.” That commitment runs across the NHS, with many trusts offering guaranteed interviews, mentoring and Armed Forces support networks to help with transition. For many veterans, joining the NHS feels like a continuation of service. Both environments depend on teamwork, reliability and calm under pressure. Whether you’re supporting patients or keeping vital systems running, the sense of purpose is much the same.
STEP INTO HEALTH
One of the best routes into the NHS is through Step into Health, a national programme designed for the Armed Forces community. It connects service leavers, reservists, veterans and family members with NHS employers that have pledged to support their move into civilian life.
Step into Health helps candidates find roles suited to their strengths — whether in leadership, planning, problem-solving or people management. Its Find Your Career tool matches your experience to suitable positions, and the Candidate System allows employers to contact you directly. You can also apply for short work placements to experience NHS life before making a full career change.
For those used to structure and routine, Step into Health provides a clear, supportive route into employment. It’s open to anyone with a connection to the Armed Forces, whether you’ve served, are a reservist, or part of a service family — and helps you show how your background fits within the NHS.
Across the NHS, leaders recognise the value and experience that people from the Armed Forces community bring. Danny Mortimer, Chief Executive of NHS Employers and Deputy Chief Executive of the NHS Confederation, said on the NHS Employers website that the Armed Forces community brings “unique and highly valuable skills into the NHS workforce” and that their contributions “diversify and enhance our capabilities and enrich our teams.”
EARN WHILE YOU LEARN
If you’d like to retrain, NHS apprenticeships offer a practical route to a new career while earning a wage. Apprentices split their time between workplace training and classroom study, with opportunities from entry level to degreeequivalent programmes in nursing, therapy or healthcare science. While many service leavers move directly into NHS roles through Step into Health, apprenticeships are becoming an increasingly popular option for anyone looking to build new clinical or technical skills. They
offer the chance to gain recognised qualifications while applying existing experience in a structured setting. There are routes into roles such as paramedicine, radiography, business administration and project management. If you prefer learning by doing, an apprenticeship offers a hands-on way to start a new chapter within the NHS.
PRACTICAL STEPS
Work placements are another good way to test whether a role is right for you. They give potential employees a real understanding of NHS work and can last from a few days to several weeks. Placements can o en be arranged through the Step into Health candidate system. When exploring NHS roles, create a profile on Step into Health that highlights your military background and transferable skills. Don’t limit yourself to clinical positions — there are opportunities in estates, digital services, management and logistics that rely heavily on organisation and teamwork.
FINDING YOUR FIT
The NHS values the same qualities that define military service: teamwork, integrity, reliability and composure under pressure. Whether you’re maintaining equipment, managing logistics or supporting patients, those strengths make a difference every day. With structured training, long-term career development and shared values, the NHS offers a role with meaning and stability. For people from military backgrounds, there’s a wide range of opportunities across the organisation, all built on teamwork and shared purpose, something every service leaver understands well. A career in the NHS means joining a workforce that values your experience and commitment, and continuing to make a real difference in people’s lives.
FIND OUT MORE
To explore your options, visit Step into Health at militarystepintohealth.nhs.uk, NHS Careers at healthcareers.nhs.uk, or NHS Jobs at jobs.nhs.uk
Joyce was a serving soldier for over 30 years and needed support to readjust to civilian life after leaving the Army.
Thanks to funding from ABF, Joyce was able to attend an RBLI Lifeworks course to regain her confidence and confirm her transferable skills. She has now secured full-time employment.
Building a future through Franchising
After life in the Armed Forces, many people look for a new challenge that still offers structure, teamwork and purpose. Franchising could be that next step
Franchising gives you the chance to run a business using an established model under a recognised name. It’s an appealing route for anyone who wants the independence of self-employment without the uncertainty that comes with starting entirely from scratch.
As a franchisee, you buy the rights to operate a branch or territory from a larger company –the franchisor – and follow their proven business systems, products and brand guidelines. In return, you receive ongoing training, marketing and operational support, and become part of a wider network with a shared goal of success.
The latest figures from the British Franchise Association show that
franchising continues to expand despite wider economic pressures. The sector now contributes around £19.1 billion to the UK economy, with more than 1,000 franchise systems and over 50,000 individual outlets operating across the country. Growth has been strongest in personal services, care, education and property – areas that often suit service leavers’ transferable skills.
“Staying calm under pressure and making decisions confidently is a huge advantage”
COMMITMENT
Although joining a franchise can reduce some of the risks of selfemployment, it still demands commitment and hard work. Most franchise agreements last between five to fifteen years, so choosing a business that suits your long-term plans is essential.
Investment levels vary. According to industry data, start-up costs for a UK franchise typically range from £20,000 to £60,000, though smaller, home-based opportunities may be lower. In addition to the initial fee, franchisees usually pay ongoing royalties or marketing contributions of around 5–10 per cent of turnover.
Franchise businesses tend to perform better than independent start-ups, with more than 90 per cent reporting profitability within the first three years. That reliability appeals to many service leavers – but success still relies on hard work, attention to detail and strong leadership.
TRANSFERABLE SKILLS
The skills gained through military service translate well to franchising. Discipline, organisation, leadership and teamwork are qualities that every franchisor values, and they’re second nature to most veterans.
Running a franchise can be varied – one day you’re managing operations, the next handling recruitment or customer service. The ability to stay calm under pressure and make decisions confidently is a huge advantage. Military experience builds determination and resilience, qualities that are essential when building a business. Many service leavers find that franchising allows them to use these skills while
“For many service leavers it provides a structured and rewarding route into business ownership”
gaining a new sense of purpose and independence.
TEAMWORK
Even though you’re running your own business, franchising is built on teamwork. Success depends on the relationship between franchisee and franchisor – a partnership that works best when both sides communicate and collaborate. The franchisor’s job is to share their knowledge and systems, while your role is to bring those systems to life locally.
The same teamwork applies to managing staff. Your experience in motivating others, maintaining standards and leading by example can help you build a positive workplace culture that benefits both employees and customers.
COMMUNITY
Transitioning from military to civilian life can feel like a big change, especially if you miss the camaraderie of service. Running a franchise can help rebuild that sense of belonging. It connects you to your local area and gives you a new network of colleagues and customers.
Many franchises are peoplefocused – whether in hospitality,
property, education or care – and provide daily opportunities to engage with your community. You’ll also be part of a wider franchise network, where other business owners share advice, challenges and experiences. For many service leavers, that shared support feels familiar and motivating.
CHOOSING WISELY
Choosing the right franchise is one of the most important steps. Think carefully about your interests, your lifestyle, and how much you want to invest. With contracts often lasting several years, the business should still appeal to you five or ten years down the line.
Events such as The British and International Franchise Exhibition give potential franchisees the chance to meet franchisors in person and hear from those who’ve already taken the plunge. Independent resources like the British Franchise Association and Which Franchise also offer impartial advice, success stories, and support specifically for service leavers exploring self-employment.
Speaking directly to current franchisees can be invaluable. They can give an honest view
of the challenges, day-to-day responsibilities and the level of support they’ve received from their franchisor.
MOVING FORWARD
Franchising isn’t for everyone, but for many service leavers, it provides a clear, structured and rewarding route into business ownership. It’s a chance to use your existing skills, build something for yourself, and remain part of a supportive network.
If you’re ready to explore a new challenge that makes use of your military experience, franchising could be for you. Research your options, speak to those already doing it, and take time to find the right fit.
Your next successful operation could be your own business.
Driving your career forward
As you move on from your time in the Armed Forces, you might be weighing up what comes next. For many service leavers, driving and logistics is a natural fit
The UK logistics sector is one of the country’s biggest employers and remains vital to the economy. The skills that carried you through your military career — reliability, discipline, quick thinking and teamwork — are exactly what employers in this field are looking for.
WHY CHOOSE DRIVING AND LOGISTICS?
Many transport and logistics firms are finding it hard to fill roles. Logistics UK reports that 48.7 per cent of HGV drivers are now aged 50 or older, and the Road Haulage Association says around 40,000 new drivers are needed each year to maintain current capacity. It’s a challenge for the industry, but an opportunity for those leaving the Forces with the right attitude and experience.
From supply chain planning to professional driving, the work calls for the same precision, adaptability and leadership you’ve already demonstrated in uniform. There’s also room to grow — many service leavers who start behind the wheel go on to management or training
positions once they’ve settled in.
SUPPORT AND OPPORTUNITIES
If you’re interested in the sector, several organisations can help you make the move. The Chartered Institute of Logistics and Transport (CILT) offers networking opportunities and advice about the different career paths available. Veterans into Logistics, a charity dedicated to helping former military personnel retrain, works closely with transport companies to provide practical support and access to HGV training.
Some of the UK’s major logistics employers are keen to bring service leavers on board. DHL Supply Chain holds Gold status in the Defence
“Your Forces experience is a solid foundation for success in this industry”
Employer Recognition Scheme and works with the Career Transition Partnership to help veterans move into civilian roles. Eddie Stobart continues to run its driver development and apprenticeship schemes across the UK and has a history of supporting the Armed Forces community. Wincanton maintains a recruitment pipeline for ex-service individuals and already employs hundreds of veterans, while XPO Logistics also holds Gold ERS status and partners with Veterans into Logistics to help former military personnel train for HGV licences and start new driving careers.
Your time in the Forces has given you a solid foundation for success in this industry. With the right support, driving and logistics could open the door to a fulfilling new career.
FIND OUT MORE
For opportunities in the industry, visit the Chartered Institute of Logistics and Transport ciltuk. org.uk, Veterans into Logistics at veteransintologistics.org.uk, or search for current vacancies through forcesrecruitment.co.uk
Making the Most of Your ELCAS Funding
“Your next chapter starts here.”
Hi, I’m Teresa, and for the past eight years I’ve been helping service leavers and ex-forces personnel take the next step into civilian life. I know from working with thousands of people just like you that the transition isn’t always easy – but the right qualifications can make a huge difference.
That’s where I come in. I’ll help you choose the courses that best fit your goals and make sure you get the most out of your Enhanced Learning Credits (ELCAS). I can even guide you through the claim process if you’d like a hand – keeping things simple and stress-free so you can focus on what’s next.
At Quanta, we’re passionate about turning your hard-earned military experience into recognised civilian qualifications. Whatever your plans, I’ll work with you to make sure your funding goes further and sets you up for the best possible chance of success.
Remember, the ELC scheme entitles you to have 80% of your course paid for (between £1000 and £2000 depending on your length of service). Service leavers between 6 and 8 years can aggregate claims together giving you £3000 in one hit! What are you waiting for? Packages available.
Ready to start your next chapter? Get in touch – I’d love to help.
A woman’s duty
Sharon
Broderick MBE shares her story after taking part in a project highlighting women who helped change the Army from within
When she joined the Army at 17, women weren’t expected to stay long, speak up, or climb the ranks. But she was never one to stick to expectations. From cooking for royalty to serving in Northern Ireland during the Troubles, Sharon recounts the battles she fought behind the kitchen doors.
Q: Do you remember the moment you decided the Army was for you? It wasn’t exactly the obvious path for a girl back then.
A: Not at all. But I grew up on the Wirral, and we were a patriotic bunch. The Falklands War had just been on the news and I thought, why shouldn’t I do that? Why not me? It wasn’t about proving anything. I just wanted to serve and protect our country.
Q: You joined the Army at just 17, stepping into a world built almost entirely by and for men. What did that feel like?
A: At Guildford, where all the recruits were women, it just felt tough but fair. Then we went to Aldershot for trade training. The men were “chefs” in white jackets. We were “cooks”… in dresses and tights! I absolutely hated that. You wouldn’t even get away with wearing nylon tights in a kitchen nowadays, for health and safety reasons.
It was also obvious the lads got more field training and better exams. They expected us to serve a few years, then leave and have babies. That wasn’t my plan.
Q: Did that make you angry?
A: Oh, it did. I wasn’t out marching with placards, but I made my point through work. I knew I was a good chef – not a “cook.” So I thought, right, I’ll show you. I’ll just be better than half of you. That was my protest. Quiet, but firm.
Q: You became the first female chef to serve in officers’
residences at Sandhurst. That must have felt like a big moment. A: Huge. I’d been on the Army’s mobile catering display team – the only girl again – and after two seasons my boss said, “We’ve never had a female chef in a senior officer’s residence. You could be the first.”
To get there, I had to complete my A1 Master Chef course, which was 14 weeks straight, with no weekends off. But I passed, and that same night I was cooking the general’s tea at Sandhurst. I’d gone from being a “cook” in a dress to a proper chef in whites. That felt good.
Q: And not long after, you found yourself cooking for royalty, including Princess Diana. What do you remember about her?
A: Oh, she was wonderful: normal, funny, just like one of us. Charles
“We were expected to serve a few years, then leave and have babies. That wasn’t my plan”
Celebrating her MBE with her husband and son
would go shooting with the general, and Diana wasn’t into that, so she’d stay at the house. The first time I met her, I was running down the stairs after playing a prank on the cleaners and literally bumped straight into her, blue hat and all. I was mortified! She just laughed. After that, she’d come sit on the chest freezer with a cuppa while I worked. We’d just chat about normal things: life, family, whatever. We were both young women just trying to find our place in strange worlds. It didn’t matter who she was.
Q: Later you were posted to Northern Ireland during the Troubles. How did you stay grounded?
A: The team around me kept me going. We grew up fast out there. It was dangerous, and you learned to keep your head down and get on with it. I don’t think I really processed what I saw until years later.
Q: You’ve said the aftermath of the 1988 bombing haunted you
for decades. How did you finally start to face that trauma?
A: For years I kept it buried. I looked calm on the outside like a swan gracing water, but inside I was paddling like mad. When my son grew up and left home, it all caught up with me. I realised I was still broken. After COVID, I finally spoke to my GP, and she helped me understand that I was allowed to say I was affected. I didn’t have to fit that image of an old bloke in medals at the Legion to be a veteran. I was one too.
Q: After leaving the Army, you joined the police and went on to receive an MBE for community policing. How did that connect to everything you’d done before?
A: I think the Army taught me to protect people – that’s never left me. As a community officer, I worked on one of Europe’s biggest estates. I used what I call the “mum approach.” If a lad was spraypainting walls, I’d say, “Right, you can either come with a paintbrush on Saturday morning, or I’ll see you in custody.” Nine times out of ten,
he’d turn up, and usually bring his brothers.
I think being female helped. People talked to me because I wasn’t the big scary copper; I was the one who’d say, “Come on, sort it out.”
Q: Looking back across your uniforms, what do you want people to understand about women like you?
A: That we don’t need to shout to prove ourselves. Just do the job well and the proof’s there. Women add so much value, not because we’re women, but because we bring empathy, strength and humour. We fix things, we patch people up, and we keep going. Usually with a cuppa in hand.
FIND OUT MORE
Sharon’s story is part of The Trailblazers Project, a video series by Legasee Educational Trust. You can listen to Sharon and the stories of other female Army veterans at legasee.org.uk
Sharon taking part in a military parade
We support students from all backgrounds to access our online courses. Because creativity is in everyone. Serving in the Armed Forces gives you valuable experience and skills beyond academic qualifications, and now you can channel that experience into an innovative university degree. The future demands creativity. And creativity thrives at Falmouth.
A New Purpose
Leaving the Army ended one difficult chapter of Steven Williams’ life but began another full of new challenges. He tells us how he learned to live with sight loss, rediscovered his purpose, and found strength through his family
When former Corporal Steven left the Army, he wasn’t just stepping out of uniform – he was stepping into the unknown. After ten years of service, an injury on deployment changed everything. “I was hit in the face one night, but I just kept going because that’s what I was trained to do,” he remembers. “In the morning, I still couldn’t see,
and that’s when I knew something was seriously wrong.”
Doctors operated quickly, but the damage was permanent. After two years of painful recovery and multiple surgeries, Steven made the difficult decision to have his damaged eye removed. “Once I had it taken out, I actually felt a bit of relief. I’d spent two years pretending nothing was wrong. At
least now people could see it.”
INVISIBLE WOUNDS
What he didn’t think about was how deeply the injury and the sudden end to his military identity would affect him and his family.
“No one tells you how to stop being a soldier. You just hand in your ID and you’re out,” clarifies Steven. The sense of displacement hit
Steven fundraising with his partner Wilma
hard. For the first time in years, Steven had no rank, no routine, and no role to play. He was also struggling with his household finances. “I had three young sons and my wife to look after, but I felt like I had no purpose. It was scary.” His wife had just started police training, which added to the pressure. “She was in uniform, doing something meaningful, and I wasn’t. I was proud of her, but part of me felt lost,” admits Steven.
Family became his first line of support: “The kids kept me going. I’d do school runs and help with football practice. Around them, I wasn’t an injured soldier, I was just Dad.”
That honesty from his children was a turning point, he says: “Adults don’t know what to say; they look away or avoid it. Kids just ask, ‘What happened to your eye?’ and move on. It’s weirdly healing.”
A NEW RANK
Like many service leavers, Steven found that the hardest part wasn’t the injury itself, but the silence afterwards: “In the Forces, you’re surrounded by people who get it. Once you leave, you suddenly realise how alone you are.”
It wasn’t until an outreach worker
“In the Forces, you’re surrounded by people who get it. Once you leave, you suddenly realise how alone you are”
from Sight Scotland Veterans, a woman named Dawn, reached out that Steven finally began to feel seen and supported. “She was the first person who spoke about compassion,” he says. “She told me to think about myself, about what I wanted for my future. No one had said that to me before.”
So, he began volunteering – first with his sons’ football team, then with a local ex-forces charity – and slowly rebuilt a sense of purpose. “That’s what I tell other veterans now: you can’t rush recovery. You’ve got to be ready for help,” he explains. “But when you are, it can change everything.”
Today, Steven works for Sight Scotland Veterans as an Independent Living Worker, helping others adjust to sight loss. “I’ve come full circle,” smiles Steven. “Now I’m the one sitting across
from someone, saying, ‘You’ve still got a future. You just need to find your footing again.’”
STRENGTH IN NUMBERS
Steven’s journey mirrors that of thousands of families who leave the military every year. Over 14,000 people left last year, many with families transitioning alongside them. “It’s not just the soldier who serves,” Steven reminds us. “Your family lives it too. When you leave, they’re leaving something behind as well.”
Returning to civvy street affects every part of home life: housing, work, schools, and even identity. It can be a stressful time for all involved, but thankfully, charities like SSAFA, the Army Families Federation, and Forces Children Scotland provide practical and emotional support. This includes helping you to find accommodation, offering counselling and more. The Career Transition Partnership and Recruit for Spouses can even help both you and your partner rebuild your confidence and careers.
“Leaving the Forces doesn’t mean you stop needing a team,” explains Steven. “You just need to build a new one with your family, your community, and the people who show up for you.”
LEARNING TO LIVE AGAIN
It’s a long journey – one that Steven admits is still not easy. “Even doing Zoom calls can trigger me – seeing my eye on screen brings it all back,” he shakes his head. “But I try every day not to avoid it. I’ve learned that avoiding pain just gives it power.”
Steven’s right. You don’t need to feel 100% every day, as long as you show up for yourself. “The support is out there,” he adds, pausing in reflection. “The real turning point will come when you stop seeing yourself as broken and recognise that you’re in the process of rebuilding. That’s when life starts again.”
Leadership, discipline, strategic thinking, and adaptability—these a re all qualities that de fine a successful business owner. We’ve found that many veterans are drawn to franchise ownership because it provides a structured approach to entrepreneurship. Unlike star ting a business from scratch, a franchise offers a pre-established brand, op erational suppor t, and a blueprint for success.
Your Money, Your Rights
Leaving the Forces often means going from a predictable monthly income to managing money on your own for the first time in years. It can take time to adjust, but understanding how your pension and benefits work can help you plan with confidence.
PENSION
If you serve until you’re 60, your pension becomes payable immediately. Otherwise, it’s normally deferred until your State
Pension age, although you may be able to claim it from age 55 at a reduced rate. However, those unable to complete their service due to circumstances beyond their control, or who qualify for an Early Departure Payment (EDP) after 20 years’ service and age 40 or over, may be eligible for this separate payment, which bridges income until State Pension age.
The amount of your pension depends on factors such as rank, length of service, and the age at which you joined. Different pension
Big life changes mean big financial decisions. Here’s what to know about your pension, benefits, and rights after service
schemes may apply depending on your entry date into service. You can use the Armed Forces Pension Calculator available at gov.uk to estimate your pension.
Understanding your pension early can help you plan for retirement, avoid gaps in income, and make more informed decisions about work or study once you leave the Forces.
“As a veteran, it’s crucial that you understand what your Armed Forces pension scheme will provide you in retirement, how to access your
benefits, and where to go for further help,” says Anna Sharkey, Senior Policy and Propositions Manager at MoneyHelper. She recommends using the calculator as a first step to get a clear picture of your entitlements and options.
If you need more personalised advice, contact the Forces Pension Society at forcespensionsociety.org
BENEFITS
After leaving the Armed Forces, you may be eligible for various benefits, especially if you’re facing challenges such as unemployment, housing needs, or health issues. These include both veteranspecific benefits and those available to the general public.
If you became ill or were injured during service on or after 6 April 2005, you may be entitled to compensation through the Armed Forces Compensation Scheme (AFCS). This scheme offers lumpsum payments and, in certain cases, ongoing monthly payments known as a Guaranteed Income Payment (GIP). The amount depends on the severity of your condition and your age.
The Armed Forces Independence Payment (AFIP) provides extra financial support for injuries sustained during service. As of April 2025, it’s paid at £187.45 per week — the same as the enhanced rate of Personal Independence Payment (PIP) — and replaces PIP when an injury is recognised under the Armed Forces Compensation Scheme. It’s available to both serving and former personnel and isn’t
“Planning, budgeting and understanding personal finances can help you feel less anxious about your situation.”
means-tested.
In addition to Armed Forces–specific benefits, you may also be eligible to apply for Universal Credit, New Style Jobseeker’s Allowance, or (if you’re over State Pension age or in supported or temporary housing) Housing Benefit. For more information on these benefits, visit gov.uk or contact Veterans UK at 0808 191 4218.
Many veterans find that a mix of Armed Forces benefits and mainstream support gives them the breathing space they need to rebuild stability after service.
“Planning, budgeting and understanding personal finances can help you feel less anxious about your situation,” adds Anna. “Taking time to review your income and support options early on can make a real difference.”
LEGAL HELP
Money matters don’t end with pensions and benefits. Knowing
your legal rights after leaving the Armed Forces can be just as crucial. Legal issues that commonly affect veterans include disputes over pension entitlements, injury compensation appeals, and tenancy or mortgage arrears. If you receive a compensation payout from the AFCS or AFIP, it’s important to understand how that may affect any of your ongoing legal or financial obligations like your debt repayments or means-tested benefits.
Anna advises keeping “written evidence of service-related injuries or compensation awards because it strengthens your position if you need to challenge a decision or claim.”
Even if you’re not pursuing a pension appeal or compensation claim, you should always keep copies of your service records, medical reports, and any letters from the Ministry of Defence. “Keeping clear records isn’t just good admin — it’s your protection if you ever have to challenge a decision,” says Anna. There are also protections in place for those who face discrimination or unfair treatment because of their veteran status. Under the Armed Forces Covenant, public bodies have a legal duty to consider the needs of the Armed Forces community when delivering services in areas such as healthcare, housing and education. If you believe this hasn’t happened, you should raise the issue through the organisation’s own complaints process or, where appropriate, through an Ombudsman.
Financial and legal challenges after service are common — but free, confidential help is always available.
“Don’t be afraid to ask for help,” adds Anna. “There’s no shame in getting legal or financial advice early — it can prevent costly mistakes later.”
A s y o ur s ervic e care er dra ws to a co nc lusi on , your fo cus ch anges. Whet he r y our fu tu re i nvo lves a s eco nd
c a r eer or a s ecu r e retirem ent, y ou r A rmed Forces Pe nsion bec ome s cr itica ll y impo rtan t. It ’s one of the be st in t he Pu blic S ect or b ut there are ch oices y ou ’ll ne ed to ma ke th at inf luence wh at you ’ll rec eive when you l eave.
An d th e exp ert Fo r c es Pe nsions C on sult ants at t he Fo rces Pension Soc iety can he lp you make the b est c ho i c es; e v en c ho o s ing th e righ t time to leave can make a s ign ificant di f f erence to your income.
We o ffer p ersonalised g uidance, t ailored t o y our c ircumstances an d ac cess t o our g uidance is in cluded in y our m embership s ubscription. G iven t he c omplexity o f t he pe nsi on s chemes, our c onsultants d ealt w ith a l most 3 0,000 e nquiries la st y ear.
J o i nin g the Fo r c es P en s ion Societ y also k eep s y ou in touch w ith c han ges to t ax regimes, e nsures y ou’re f ully i nformed ab out i ssues w ith p otenti al r etrospective impact (such as McCloud), and delivers a range of v a l uable me mb ersh i p b en efits at dis counted p rices (covering so me o f th e be nefits you r eceive while serv ing ).
Th i s l etter fr o m a Me mber is typica l of the respo nse our Pensio ns Co nsu ltants r ece ive:
“ Very m any t h a n ks f or y o ur s uperb g uid a n ce. You hav e d escribed t he c hoices a nd consequences e xtremely c learly a nd m ade m y d ecision pr ocess v ery ea sy.”
Visit: forcespensionsociety.org/join-now/
Annual membership for you and your spouse/partner is just £47. You will have exclusive access to our Forces Pensions Consultants, our informative Members’ Webinars and you’ll receive our bi-annual e-newsletters and our magazine, Pennant. You’ll also have access to our wide range of membership benefits from discounts on new cars to insurances, including our latest range of travel policies.
MENTAL HEALTH Second chances
After leaving the Army, Phil Credland faced a private struggle with trauma and addiction. His story is a powerful reminder that the right help can make all the difference
The war wasn’t over when Phil Credland left the Army, it just moved inside his mind.
Years of service in Northern Ireland, Iraq, and Kosovo had left Phil carrying a heavy burden. The transition to civilian life wasn’t easy, and he struggled with feelings of anger, isolation, and a growing dependence on alcohol to cope. It wasn’t until a serious health crisis forced him to stop drinking that Phil was able to confront the trauma he had carried for years and begin the slow, challenging journey toward recovery.
A HEAVY PAST
“I had this lightbulb moment in 2014 that something wasn’t right,” recalls Phil. “I was angry all the time. I kept thinking about the decisions I’d made while serving, and I couldn’t understand why I hadn’t questioned them more. I’d done some terrible things and seen worse, and it just hit me: I’d never
Phil
processed any of it.”
For years, Phil had buried the trauma of war behind a mask of control and alcohol. Like many veterans, he struggled to adjust to civilian life. Without the camaraderie and structure of the Army, he was left only with the memories and a growing sense of guilt.
“I started drinking heavily in the late ’90s,” he explains. “It was a way of medicating everything I was feeling. I told myself it helped me sleep, helped me stop thinking, but it became the problem itself.”
BREAKING POINT
Phil’s health deteriorated rapidly. The heavy drinking that had been numbing his mind was beginning to destroy his body. “I ended up with a kidney infection and was admitted to the hospital,” he says. “That was my turning point. You can’t get vodka in a hospital, so they put me on medication to stop the withdrawal from it. For the first time in years, I wasn’t drinking.”
It was then that Phil was referred to a specialist mental health service.
“At first, I was sceptical,” he admits. “I’d been through assessments before where I was told, ‘We can’t help you while you’re drinking.’ But I was drinking because of my mental health issues: it felt like a Catch-22 they didn’t understand.”
This time it was different. With
“You were expected to get on with it. It’s only now that I realise how damaging that culture can be.”
proper medical support and a team that refused to give up on him, Phil finally began to make progress. “I didn’t believe it would work. I thought it was all hocus-pocus. But then, one night, I just slept, no nightmares, no drama. That’s when I started to think maybe it was working.”
Five years sober, Phil now calls himself “a success of the system.” But he’s quick to stress that recovery isn’t the same as being cured. “I still consider myself an alcoholic, and I still have tough days,” he reveals. “But I’ve learned coping mechanisms. I know how to handle the hard dates and memories. You can’t erase them, but you can live with them.”
A MENTAL WAR
Today, conversations around mental health in the Armed Forces are far more open than they once were. But in 2005, when Phil sought help, things were very different.
“When I served, it just wasn’t talked about,” he recalls. “You just didn’t go to the medical centre, saying you had mental health problems. I tried once in 2005 and told them I was suicidal.”
The outcome: “I saw a psychiatrist who didn’t even speak. He just waited for me to talk. The diagnosis was ‘depressed,’ and that was that.”
For many veterans, these outdated attitudes have long-term consequences. “Back then, you were expected to get on with it. It’s only now that I realise how damaging that culture can be,” clarifies Phil. “But I do think things are getting better. Services like Op COURAGE are a step in the right direction.”
Op COURAGE – officially known as the NHS Veterans Mental Health and Wellbeing Service – offers confidential support for those who have served, helping with PTSD, depression, anxiety, addiction, and other conditions. It connects
veterans with NHS specialists and partner organisations like St Andrew’s Healthcare, who were instrumental in Phil’s treatment, Combat Stress, and Help for Heroes.
REACH OUT
If you’re reading this and struggling yourself, Phil’s message is simple: reach out.
“If you’re drinking, get help with that first. My GP was brilliant with me,” he says. “If something is stopping you from getting mental health treatment, tackle that barrier. The help is there. You just have to take that first step.”
He acknowledges that it’s not an easy road: “Moving from drinking every day to finding other ways to cope was painful. I was giving up
the one thing that was numbing me.”
“But I had to trust the process, and you do too, because it does work. You just have to hang on through those first few months.”
Today, Phil stays motivated by helping others. “I’m alive,” he smiles. “That’s a win. I’ve been given a second chance, and I want others to have that too.”
FIND OUT MORE
If you’re struggling with your mental health, confidential help is available through:
Op COURAGE: 0300 323 0137 (England only) Combat Stress: 0800 138 1619 Help for Heroes: www.helpforheroes.org.uk Samaritans: 116 123
Hounds for Heroes
When former RAF serviceman Brian first learned about Hounds for Heroes, he never imagined how much a four-legged companion would change his life
For former RAF serviceman Brian, life after injury brought challenges he never expected. Tasks that were once second nature became daily hurdles, and he began to question how much independence he could keep. That all changed when a yellow Labrador named Marine came into his life through Hounds for Heroes.
A TAIL OF SERVICE
Brian first discovered the charity at an Armed Forces Day event in Littlehampton. At the time, he had an assistance dog he’d trained with support from another organisation, but as his coordination worsened, he became worried about how he’d manage when that dog retired. “I knew it was no longer possible for me to train my next,” he recalls. “I was a bit apprehensive about applying. My injury happened during training, so I didn’t feel worthy.”
That feeling quickly faded after he spoke with the charity. “From the very first phone call, they made me feel welcome,” remembers
Brian. “They made me feel part of a community I’d felt excluded from.”
A year later, Brian met Marine, and they’ve been inseparable ever since. Now a wheelchair user with coordination difficulties, Brian relies on Marine for practical help and emotional support. “He’ll pick up anything I drop: a pencil, gloves, my hat, even my cutlery. Although I wash that afterwards!” laughs Brian.
MAN’S BEST FRIEND
Marine assists with countless small tasks that make daily life smoother. He presses lift buttons, activates the pelican crossings, and helps Brian take off his jacket when they stop for coffee. “When we get home, he’ll shut the door, help me get my jumper off, and fetch my slippers,” adds Brian, smiling fondly. “At night,
“There’s no real way to describe the reassurance he gives me”
he even helps me get my socks and trousers off before bed.”
Beyond the practical help, it’s the quiet companionship that means the most. Marine has brought back a sense of calm and independence Brian once thought he’d lost.
“There’s no real way to describe the reassurance and pleasure he gives me,” he says. “He’s patient, attentive, and always watching me. People often comment on how in tune he is.”
Wherever Brian goes, Marine is by his side. He’s more than an assistance dog, he’s family: “He makes everything possible. All he asks in return is his breakfast and dinner on time, a few treats, and some play in the park. He’s the best.”
FIND OUT MORE
Hounds for Heroes provides specially trained assistance dogs to physically disabled members of the Armed Forces and Emergency Services. To learn more or start an application, email clientapplications@ houndsforheroes.com or visit houndsforheroes.com
Brian and Marine
There when you need her
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