Surrey Business Magazine - Issue 93 by Platinum Media Group

BIG STORY

46 Sir Rod Aldridge OBE

The man who danced through failure: how Sir Rod turned rejection into a multi-billion-pound business empire

SURREY CHAMBERS

6 Surrey Chamber News

A round up of Surrey Chambers of Commerce members’ news

8 Surrey Chamber Events

What’s on for Surrey Chambers members

12 Learning Skills Improvement Plan

Creating clearer pathways from education to employment

15 Surrey Business School

The Executives-in-Residence programme NEWS

18 National news

A round up of important business stories from around the world EVENTS

32 Business South

Connecting business leaders for positive change

54 Central South Business Awards

Next year’s premium event is now open for entries

BUSINESS

36 Growth Animals Marketing

Why businesses should stop pretending they don’t need AI

38 Gigacalculator

The roles most feeling the impact of AI in 2025

58 Base Insurance

What cover you need from day one –and how it should evolve as you grow

60 Cleankill

Harnessing the power of customer reviews

LEGAL

34 DMH Stallard

Serial litigants: how to spot employment claims early

All the winners and highlights from the annual awards which took place at The G-Live, Guildford 24

24 Surrey Business Awards 2025

44 Monan Gozzett

What to do if you’re facing a high-networth divorce

52 Mayo Wynne Baxter

The Employment Rights Bill: what employers need to know

FINANCE

20 Kreston Reeves

Budget 2025 - What does it mean for you and your business?

40 Southover Wealth

Five paths to a successful business exit

TRAVEL

62 European ski resorts

Which major resorts are open – and when – over this year’s skiing season

MOTORING

66 Audi RS3 Sportback

Maarten Hoffmann tests one of his favourite cars, one that sticks to the road ‘like Gorilla Glue’

PLATINUM MEDIA GROUP

December brings a season of reflection and renewed connection at Surrey Chambers of Commerce, as our calendar rounds off the year with opportunities to inspire, celebrate, and strengthen our business community. Building on the momentum of November, we’re continuing to bring members together to share insights, deepen relationships, and recognise achievements across the county. With a rich programme to close out the year, December is the perfect time for members to engage, collaborate, and look ahead with optimism for the year to come.

ANNUAL CHRISTMAS LUNCH

Wrap up the year in style at our most anticipated event, the Surrey Chambers of Commerce Annual Christmas Lunch! Connect with fellow business leaders, clients, and colleagues for a fun, festive afternoon, full of warm welcomes, great conversations and holiday cheer. You can expect a delicious threecourse lunch at The Hilton, Woking, with an inspirational guest speaker. His talk, “Business Reasons to Be Cheerful in 2026,” will offer an upbeat look at the year ahead, packed with insights and

SEASON’S GREETINGS FROM SURREY

practical ideas to inspire your business into the new year.

SOURCE IN SURREY

We are launching a county-wide initiative, funded by Surrey County Council, to support SMEs through a free first-year pilot, backed by roadshows and sales training. At the centre is an AI-powered platform that enables SMEs to quickly create a business profile, list themselves as suppliers, and be intelligently matched with buyers across the region. With potential pilot partners such as

❛❛ With a rich programme to close out the year, December is the perfect time for members to engage, collaborate, and look ahead with optimism for the year to come. ❜❜

Gatwick, Heathrow, the Jockey Club, and Royal Holloway University, the platform will help businesses access local opportunities, connect with new customers, and gain essential upskilling.

SURREY LOCAL SKILLS IMPROVEMENT PLAN

With Surrey Chambers of Commerce heavily focused on the LSIP, we’re calling on businesses to share their views on skills needs. LSIPs are designed to place employers at the centre of the skills system, ensuring that local business voices directly influence and shape future skills and training provision.

For the first time, we have dedicated resources to reach deeper into the business community and amplify the voices of employers and sectors that are

often hardest to hear. By working collaboratively, we will articulate the real skills needs of Surrey’s businesses and outline the key priorities and actions required to make our local skills system more responsive and effective.

THE AUTUMN BUDGET

The budget brings relief to Surrey businesses by avoiding major tax increases and offering support through transport investment, planning capacity, youth employment measures, business-rate cuts, and expanded finance schemes. Fully funded apprenticeships strengthen local skills. However, rising employment costs, future increases in dividend tax, and Surrey’s exclusion from £13bn in devolved funding raise concerns, particularly in the hospitality and retail sectors. Overall, firms welcome the direction but see limited transformative growth plans.

HEADS UP ABOUT THE NEW YEAR

Kickstart 2026 with a trio of energising Surrey Chambers events designed to reconnect and inspire our business community. Begin the year at our Business Breakfast in Guildford, complete with great food, valuable networking, and an uplifting guest speaker.

Then we round off January at our Members Networking Evening at the University for the Creative Arts, Farnham’s James Hockey Gallery, where drinks, canapés, and a creative setting provide the perfect backdrop for fresh connections and new opportunities. Start February with inspiring professionals at the Businesswomen in Surrey (BWIS) Networking Breakfast, at Fetcham Park, offering supportive conversation over coffee and pastries.

Louise Punter

CEO Surrey Chambers of Commerce

Surrey Chambers of Commerce can be reached on 01483 735540, info@ surrey-chambers.co.uk, @surreychambers www.surrey-chambers.co.uk

AND WHILE YOU’RE HERE...

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CHAMBERS NEWS

THE COUNTY CELEBRATES EXCELLENCE AT THE SURREY BUSINESS AWARDS 2025

The Surrey Business Awards, hosted by Platinum Media Group in association with Surrey Chambers of Commerce, brought together inspiring organisations and individuals whose achievements highlight the resilience and ambition shaping our local economy.

One of the standout moments of the ceremony was the Future Talent of the Year category, presented to Summer Smith of Trinity Homecare. The Chamber was especially proud to see two of its members recognised for their impressive achievements. Niamh Looby from Surrey Chambers of Commerce earned recognition for her growing influence. At the same time, Tim Marsh from Lamplight Media was also celebrated as a standout young professional.

Among the other winners on the night

was MLP Wealth Management, which received the Professional Services Award; Chamber member GBH Law received special acknowledgement; Brooklands Museum Trust, also a

Chamber member, secured the Best Customer Service Award. Charles Russell Speechlys was recognised as the Community Hero; Kings Klean was named Best New Business. Macar Homes secured the Business Growth Award.

TWM APPOINTS PARTNER

IN ITS COMMERCIAL TEAM

TWM Solicitors has announced the appointment of Tanuja Sellahewa as a Partner in the firm’s Commercial Property team, based in Guildford.

Tanuja brings over 20 years of experience in commercial real estate. She specialises in all aspects of noncontentious commercial property work, including freehold and leasehold acquisitions and disposals, the grant and renewal of business leases, commercial funding and secured lending for commercial and mixed-use sites, and corporate support work.

Her clients include expanding businesses, charities, investors, corporate occupiers, and users of

retail, office, and industrial premises.

Commenting on her appointment, Tanuja said: “I’m delighted to be joining TWM – a full-service firm with a longestablished reputation and a genuine focus on client service. I take pride in building strong, long-term relationships with my clients and in taking a practical, commercial approach to help them achieve their goals. I’m looking forward to contributing to the continued growth and success of the Commercial Property team.”

Having started her career in Guildford as a newly qualified solicitor, she describes her return to the town as “coming full circle”.

Chamber member Sarah Daly of Home Instead was named Businessperson of the Year; Menzies earned the Employer of the Year title; Stanhope-Seta received the Innovation of the Year Award. The Sustainability Champion Award went to Mejuicer.

Bucher Municipal enjoyed a remarkable evening, being named Large Business of the Year and Company of the Year. Another Chamber member, Giftpoint, was named International Business of the Year; while the SME Business of the Year Award went to CEDA Healthcare Group. The Chamber Member of the Year Award was presented to The HR Dept in appreciation of their ongoing commitment to the Surrey Chambers community.

For the full list of winners, go to page XXX

Tanuja is a member of the Law Society, Surrey Chamber of Commerce, and a mentor for the University of Law.

Louise Punter (l) wth Chamber Member of the Year Sarah Daly and host Zoe Lyons

TURNING FOOD WASTE INTO PROFIT

Misty Moon Cider is a drinks producer in Farnham that turns surplus fruit into thirst-quenching products. Thanks to the Surrey Economic Growth Fund, the business is investing in new equipment. This will help scale up, increasing production by six times.

There has been a bumper crop of apples this season, thanks to the hottest summer on record. So a business growth grant from Surrey County Council came at the perfect time for craft drinks producer Misty Moon Cider.

Kathryn Lockett founded the drinks brand in 2021, making sustainable craft cider from surplus garden and orchard apples in Farnham. She wanted to

reduce food waste and make use of the area’s abundant apple stocks by creating an artisan cider.

Starting out producing 200 bottles in 2024, the investment will help the business scale up to produce up to 12,000 bottles in 2025. And there will be kegs for pubs and bars by 2026.

Kathryn, who is an international development consultant by day, has been able to invest in new pressing and brewing equipment for Misty Moon. Before receiving the funding, Kathryn and a small team were pressing and bottling all the cider by hand using small-scale equipment.

“Our new equipment means we don’t have to do everything by hand anymore. It means we’re going to have over 6,000 litres of Misty Moon Cider to sell next year,” Kathryn said.

The funds have also gone towards hiring more student workers in the area. They have helped to pick and press the apples, in what has been a ‘monumental harvest’ this year.

COMMUNITY FOUNDATION FOR SURREY CELEBRATES 20 YEARS OF TRANSFORMING LOCAL LIVES

The Community Foundation for Surrey (CFSurrey) is celebrating a major milestone this year – 20 years of connecting local people with local causes, building stronger, fairer, and more resilient communities across the county.

Founded in 2005 with a simple but powerful vision – to inspire local giving for local need – CFSurrey has grown into a cornerstone of local philanthropy. From an ambitious start with just two members of staff and four donor-advised funds, the Foundation now manages over £15 million in endowments. It has awarded more than £26 million in grants to 6,000+ community projects.

Over 80 different Funds are managed by the Foundation on behalf of individuals, couples or families, local businesses, or groups of people who have come together to give collectively to support a

particular area of theme.

Dr Rebecca Bowden, Chief Executive of CFSurrey, said: “This report celebrates 20 years of generosity, partnership and purpose. But it’s also a call to action. Surrey has changed dramatically over two decades, and while prosperity has grown, inequality has deepened. Philanthropy, when locally informed and community-led, is more vital than ever.”

Local businesses are a vital catalyst for positive change, if you would like to talk to CFSurrey about making a last-

ing impact in your local community get in touch with Duncan Kerr, Director of Director of Business Development and Partnerships at duncan@cfsurrey.org.uk

20 Years of Stronger Together: Impact Report 2025 is available to read at www.cfsurrey.org.uk.

SURREY CHAMBERS EVENT CALENDAR

DECEMBER 2025 ONWARDS...

SCGS GOLF COMPETITION AT THE BERKSHIRE GOLF CLUB (BLUE COURSE)

December 2nd

The Berkshire Golf Club, Swinley Road, Ascot, Berkshire, SL5 8AY

Join the Surrey Chambers Golf Society for our Golf Competition at The Berkshire Golf Club (Blue Course). The Surrey Chambers Golf Society is a thriving community for golfers who enjoy playing some of the finest courses in and around Surrey while building new business connections both on and off the course. Each event begins with a bacon roll and tea or coffee before teeing off for 18 holes. After your round, relax in the clubhouse with a drink from the bar before sitting down to a two- or three-course lunch, followed by our prize giving.

GENERATION NEXT: CHRISTMAS SOCIAL

December 4th

Asahi UK HQ, Woking

Celebrate the festive season in style with Surrey Chambers’ Generation Next community at the home of Asahi. Think twinkling lights, a buzzing atmosphere, and an evening filled with music, networking, and plenty of festive cheer.

BUSINESS NETWORKING BREAKFASTAUTUMN BUDGET

December 3rd

Doubletree by Hilton Woking, Victoria Way, Woking, GU21 8EW

Join us for our Business Networking Breakfast – Autumn Budget, an engaging morning designed to connect, inform, and empower local businesses. Over tea, coffee, and pastries, enjoy free-flowing networking with professionals from across Surrey’s thriving business community. Build meaningful connections, exchange ideas, and start your day with insightful conversation in a relaxed, welcoming setting. We’re delighted to be joined by Seb Purbrick DipPFS, Associate Partner Practice of St. James’s Place and representative of Civian Financial.

EPSOM CHRISTMAS NETWORKING DRINKS

December 10th

City Skyline Management Ltd, Global House Business Centre, 1 Ashley Avenue, Epsom, KT18 5AD

Join us for an evening of festive networking in the heart of Epsom! Hosted by Go Epsom, City Skyline and Surrey Chambers of Commerce, this relaxed Christmas reception is the perfect opportunity to connect with local businesses, enjoy delicious canapés and drinks, and celebrate the year’s successes in style.

ANNUAL CHRISTMAS LUNCH

December 18th

Hilton Hotel, Church Street West, Woking, GU21 6AX

Wrap up the year with Surrey’s business community at our festive long lunch! Expect warm welcomes, sparkling conversation, and a relaxed, feel-good afternoon to celebrate 2025 in style.

January 21st 2026

Seasons Café, Stag Hill, Guildford, Surrey, GU2 7UP

Start your 2025 with purpose at our first Business Breakfast of the year, held at Guildford Cathedral’s Seasons Café. Connect with Surrey’s business community in a relaxed setting while enjoying a hot or cold breakfast included with your ticket.With an inspirational theme and a guest speaker (to be announced), this event will help kickstart your goals and mindset for the year ahead.

MEMBERS NETWORKING EVENING

January 29th 2026

James Hockey Gallery, University for the Creative Arts, Falkner Road, Farnham, Surrey, GU9 7DS

Join Surrey Chambers of Commerce for our January Members Networking Evening, hosted in the inspiring James Hockey Gallery at UCA Farnham. Enjoy drinks, canapés, and relaxed conversations with local professionals and the Surrey Chambers team. A welcoming event for both returning members and first-time attendees.

BW i S BREAKFAST MORNING

February 4th 2026

Fetcham Park Ltd, Lower Road, Fetcham, Leatherhead, KT22 9HD

Join Surrey Chambers of Commerce for our first Business Women in Surrey (BWiS) Networking event of the year. Start your morning surrounded by inspiring women from across Surrey’s business community. This relaxed and welcoming event offers a chance to connect, share experiences, and discuss key topics that matter most to women in business, from leadership and confidence to balance and growth.

KICK OFF BUSINESS BREAKFAST

International Trade at Surrey Chambers

is committed to providing the highest quality support and services to help your business trade successfully overseas.

Trade documentation

Our team is on hand to issue you documents to ensure your goods reach their final destination, incl Certificates of Origin, EUR1s and certified invoices

The International Network

Connect with over 75 overseas Chambers across the globe and benefit from B2B connections, local business advice, and potential market opportunities

Events & training

Join our events and training courses to gain the knowledge and practical skills needed to navigate the complexities of international trade

Translation

Get speaking your customer’s language with our leading translation partners, no matter the document type, subject matter or language Foreign exchange

ChamberFX delivered by Moneycorp enables you to manage currency exposure and payment needs quickly and hassle-free.

Did you know?

Members of Surrey Chambers can save up to 50% off our trade documentation costs.

Contact our International Trade team export@surrey-chambers co uk 01483 735540

Driving sustainable growth in 2026 with fractional sustainability teams

As we enter 2026, sustainability and social value are no longer optional extras; they’re business essentials. Across the Public Sector, NHS, and major contractors, expectations are higher than ever.

From mandatory carbon-reduction plans to new frameworks such as PPN 006 and the updated NHS Social Value Model, the bar for winning contracts and building long-term partnerships continues to rise.

Yet for many organisations, the challenge remains: How do you stay compliant and competitive, without overextending your resources?

THE

POWER OF A FRACTIONAL SUSTAINABILITY

TEAM

A fractional sustainability team gives your organisation access to high-calibre expertise exactly when you need it. No overhead. No long-term hire. Just focused, results-driven support.

These on-demand specialists bring proven experience in carbon management, social value, procurement, and

2. Carbon reduction planning

Credibility counts. Fractional experts help you design and update measurable, effective carbon-reduction plans that demonstrate genuine progress, not just compliance.

3. Social value measurement

❝ Sustainability isn’t a side project anymore - it’s a core business strategy.❞

ESG reporting, enabling you to:

• Win more contracts

• Build stakeholder confidence

• Stay ahead of regulation

• Unlock efficiency and innovation at a fraction of the cost

FIVE WAYS FRACTIONAL TEAMS DELIVER IMPACT FROM DAY ONE

1. Streamlined evidence and reporting

Stay tender-ready with robust, consistent documentation across all frameworks, including PPN 06/21, PPN 006, NHS TOMs, and wider ESG standards. Save time, reduce stress, and present a clear sustainability story that stands out.

Show your impact where it matters. From workforce wellbeing to local supply chain investment, fractional teams map and report your contributions against key frameworks, strengthening your bids and brand reputation.

4. Efficiency & innovation gains

Fractional professionals bring a cross-disciplinary lens to identify operational savings, waste reduction, and innovation opportunities, helping you do more with less.

5. Proactive compliance & risk management

No surprises. Regular horizon scanning and sense-checks keep you ahead of new regulations and reporting updates, making audits smoother and renewals stress-free.

WHY IT MATTERS

Today’s clients and partners expect sustainability leadership, not lip service. Organisations that embed sustainability into their growth strategy are the ones who will win contracts, attract talent, and secure long-term resilience. Fractional sustainability support offers the agility, expertise, and accountability to make that happen, without the fulltime cost.

READY TO GROW SUSTAINABLY IN 2026?

Take the first step. Book a free sustainability needs assessment and discover how a Fractional Sustainability Team can help you unlock measurable impact, strengthen compliance, and power your next phase of growth.

Get in touch with 5D Net Zero today at info@5DNetZero.co.uk to start leading the change.

Creating clearer pathways from education to employment

To have ambition is a privilege, a position where some sit comfortably knowing they have the means to complete the required steps for a definitive destination. However, this progression should not be a luxury but an expectation for our young people.

With the Education Policy Institute confirming the disadvantage gap has widened across all phases of education since 2019, action must be taken to ensure members of the next generation are not left behind. In light of this, on October 20th, the Department for Education published the Post-16 education and skills white paper, a plan to reform education and training for people aged 16-19 to close the skills gap.

Many young people either lack access or guidance, but even those with both requisites are leaving education without finding successful employment. They have gained skills and qualifications, but have they been instilled with the employer’s needs? As with the mission of the Local Skills Improvement Plan (LSIP), the reforms covered in the paper will aim to address this disjoint, thus ensuring both economic growth and a workforce that young people are prepared for and welcomed into.

failure, which pushes towards leaving education altogether.

The new pathways allow even those with low GCSE grades to complete a structured programme that teaches English

in education, broaden their skill set, and enhance their employability.

❛❛ On October 20th, the Department for Education published the Post-16 education and skills white paper. ❜❜

Within the reforms is the implementation of V-Levels to replace around 900 unclear Level 3 vocational qualifications alongside A-levels and T-levels. This new qualification gives way to refinement of the current education system, providing clarity for employers about the skills young people are gaining.

In addition, two new Level 2 pathways are to be introduced, a brilliant option for those who struggled at GCSE. Currently, many students complete Year 11 without passing English or Maths, resulting in resits alongside arbitrary vocational courses, a system that repeatedly disappoints these individuals due to recurring

and Maths whilst simultaneously providing a stepping stone to two routes. One leads to higher study, and the other to immediate work, both designed to ensure students are not neglected between school and employment. Furthermore, there will be annual increases in maintenance support to prevent low-income students from being priced out of further and higher education.

An additional £800 million will be contributed to 16-19 education in 2026/27, including funding for 14 new Technical Excellence Colleges aligned with the government’s Industrial Strategy priority sectors. This will help to level the playing field, encouraging young people to stay

The reforms present a promising change in education, strengthening young people’s readiness for work and creating clearer routes into future careers. However, the amendment alone is likely to fall empty; real success requires collaboration and consistent communication between educators, employers, and LSIPs to ensure we are all working in tandem.

We share a goal of a skilled, adaptable workforce, one capable of meeting local and national demands, embracing innovation, and supporting long-term economic growth. By guiding and learning from one another, we can empower the next generation.

Get involved here: www.surrey-chambers.co.uk/ future-skills-hub/commitment-form/

ANNUAL CHRISTMAS LUNCH

THURSDAY 18 DECEMBER TH

12:00 - 15:00 PM

NEW MEMBERS

Surrey Chambers of Commerce welcomes its latest member companies

When you join Surrey Chambers of Commerce, your company details automatically get listed on this page alongside fellow new members. What a fantastic way to let the Surrey Business community know you are out there and ready to get those all-important connections.

Apthorp Asbestos Management Ltd

www.apthorpasbestos.co.uk 01276 300361 Atek Accounting Solutions Ltd www.atek-accounting.co.uk 01932 647064

Garden Shed Marketing www.gardenshedmarketing.co.uk

Sebnini Trading Ltd www.sebnini.com 01342 370060

Howden Insurance Brokers www.howdeninsurance.co.uk 01276 601 690

Surrey Solar Solutions www.surreysolarsolutions.co.uk 01483 369 229

www.acas.org.uk

Eye For Business www.eye4b.com

People Business www.peoplebusiness.co.uk 01932 874944

Tritools Ltd

All new Chamber members are entitled to a one-off 50% discount for a company profile within this magazine. Contact lesley@platinummediagroup.co.uk for more details

If you are looking to join Surrey Chambers, then please do get in touch: sarah.butcher@surrey-chambers.co.uk or call 01483 735540. We look forward to hearing from you!

@surreychambersofcommerce www.surrey-chambers.co.uk @surreychambers 01483 735540 @surreychambersofcommerce @surreychambersofcommerce

CONNECTING INDUSTRY AND EDUCATION: Surrey Business School’s Executives-in-Residence programme

At Surrey Business School, collaboration with business is at the heart of everything we do. Our Executives-in-Residence programme ensures that students, academics, and organisations stay closely connected to the realities of modern business practice.

The initiative brings senior industry leaders into the School, giving them the opportunity to shape teaching, research, and enterprise through mentoring, guest lectures, masterclasses, and strategic collaboration. Our Executives-in-Residence play an active role in bridging theory and practice, inspiring challenge-based learning, and opening new avenues for meaningful partnerships and industry-informed research.

‘MASTERCLASS WITH EXECUTIVEIN-RESIDENCE SIMON KELLY’

They bring a wealth of practical experience and strategic insight to contemporary business issues, while offering tailored mentoring and career guidance to help students develop confidence and professional readiness. Their involvement also deepens the School’s

engagement with business by aligning our research and enterprise activities with real organisational needs and opportunities for innovation.

Through this exchange of knowledge and experience, the programme strengthens Surrey Business School’s relationships with industry, drives collaborative problem-solving, and enhances the employability and impact of our graduates.

Dr Athina Ioannou, who leads the initiative, explains: “The Executives-in-Residence programme is a cornerstone of how we connect education, research, and enterprise. It brings industry insight directly into Surrey Business School, creating opportunities for collaboration that enrich learning and deliver real impact for businesses and society.”

This semester, Surrey Business School welcomes two new Executives-in-Residence: Simon Kelly and Spyros Stamoulis. Simon brings extensive experience in technology, innovation, and employability, having held leadership

roles at Accenture, Vodafone, Microsoft, LinkedIn, and several start-ups. Spyros, Head of New Business Growth at NTT DATA UK&I, draws on more than 25 years of international experience in digital transformation, consulting, and leadership.

As Surrey Business School continues to expand its network, the Executives-in-Residence programme stands as a powerful example of how universities and businesses can work together to shape the future of learning, leadership, and innovation.

If you would like to learn more about Surrey Business School’s Executives-in-Residence programme or are interested in becoming one yourself, please contact sbsbusiness@surrey.ac.uk

S u r r e y C h a m b e r s

G O L F S O C I E T Y

S C G S 2 0 2 6 F I X T U R E S R e g i s t e r N o w w w w . s u r r e y - c h a m b e r s . c o . u k

earest the Pin sponsored by:

Order of Merit sponsored by: u e h e W o r e d n h e B h e

s d a y 2 n d D e c e m b e r

p l e s d o n G o l f C l u b

e s d a y 1 1 F e b r u a r y t h

u r h i l l N e w C o u r s e

T u e s d a y 1 0 t h M a r c h W e s t H i l l G o l f C l u b

BLACK FRIDAY EASES RETAIL INFLATION FEARS

Black Friday deals led to a slowdown in shop price rises during November, according to the British Retail Consortium (BRC).

The trade association for retailers said prices in shops rose by 0.6% last month compared with November 2024. This was down from a 1% rise in October and below the three-month average of 1%.

Black Friday has become one of the most important trading periods for many retailers, kicking off the Christmas shopping season.

Helen Dickinson, chief executive of the BRC, said: “Black Friday deals began earlier than normal [this year] as competition between retailers hit fever pitch.”

UK/US SIGN DEAL ON PHARMACEUTICALS

The UK and the US have agreed a deal to keep tariffs on UK pharmaceutical shipments into America at zero. Under the agreement, the UK will pay more for medicines through the NHS in return for a guarantee that US import taxes on UK pharmaceuticals will remain at zero for three years. This is the first time in more than 20 years that the amount the NHS pays for medicines is due to increase. Business and Trade Secretary Peter Kyle said the deal “guarantees that UK pharmaceutical exports – worth at least £5bn a year - will enter the US tariff-free, paving the way for the UK to become a global hub for life sciences.”

NATIONAL NEWS

PM URGES GREATER ANGLO/SINO TIES OBR CHAIRMAN RESIGNS

The chairman of the Office for Budget Responsibility (OBR) has resigned following the Budget day error, which saw a key document published early. Richard Hughes said in his resignation letter that he took “full responsibility” for the issues identified in the OBR’s investigation into the mistake, which it called the worst failure in the organisation’s 15-year history. The OBR assesses the health of the UK’s economy. It is independent of the government but works closely with the Treasury. The OBR’s early publication effectively confirmed a number of new Budget measures – including a three-year freeze on income tax and National Insurance thresholds – before the chancellor announced them.

Prime Minister Sir Keir Starmer has encouraged British businesses to embrace the opportunities presented by increased trade with China, ahead of a decision on the contentious plan for a larger Chinese embassy in London.

In a key speech on foreign policy in London, the UK prime minister acknowledged that China “poses national security threats”, but said his

government wanted to give companies “the confidence, clarity and support they need” to make deals with Beijing.

Starmer’s comments come after a period of turmoil in the UK government’s relationship with China, following the collapse of a Chinese spying trial and over plans for the Chinese embassy, which will be decided on later this month.

❛❛ I love Christmas. I receive a lot of wonderful presents I can’t wait to exchange.❜❜

— Henny Youngman

ZIPCAR ZAPPED

Car-sharing platform Zipcar has said it is to close its UK operations by the end of the year. The US-based company, which car rental giant Avis Budget owns, told customers it would temporarily suspend new bookings after December 31st, pending the outcome of a consultation with its 71 staff members.

In an email to members, UK boss James Taylor said the firm had launched a formal consultation with employees and bookings due to finish by the end of the month were being honoured. An Avis Budget spokesperson confirmed that it was planning to close Zipcar UK, but said “all other markets remain unaffected”.

OECD OFFERS UK GROWTH WARNING

Tax rises and constraints on spending by the government will weigh on growth in the UK’s economy, according to the Organisation for Economic Cooperation and Development (OECD).

UK inflation will also remain among

HOUSE PRICES RISING FASTER

House prices rose by more than expected in November, indicating they were more resilient to budget uncertainty than expected. The cost of a home increased by 0.3% month-on-month, taking the average price to £252,998, according to Nationwide’s house price index.

Robert Gardner, Nationwide’s chief economist, said changes to property taxes announced in the budget last week were unlikely to have a “significant impact” on the housing market. “Looking forward, housing affordability is likely to improve modestly if income growth continues to outpace house price growth as we expect. Borrowing costs are also likely to moderate a little further if (the Bank of England base rate) is lowered again in the coming quarters,” he said.

SWEETS MADE IN CHELSEA

TV personality Jamie Laing’s vegan sweet business is set to acquire the struggling snacks brand Graze as part of a deal with the packaged goods giant Unilever. German firm Katjes International, which holds a majority stake in Mr Laing’s Candy Kittens business, is expected to complete the deal in 2026 for a reported £36m.

Graze was founded as a snack box delivery service in 2005, selling healthy and nut-based treats, and began selling in supermarkets and retailers. It was acquired by the FTSE100 company Unilever in 2019 for a reported £100m as part of a push into direct-to-consumer selling, but it has underperformed in recent years and failed to make a profi t.

the highest of the G7 advanced economies, although it is expected to ease, it said. The OECD forecast the UK economy would be “steady” with growth of 1.4% this year before slowing to 1.2% in 2026, although its prediction for next year is an improvement on its

previous estimate. While UK growth is expected to slow next year, partly due to global uncertainty, the rate is forecast to edge up to 1.3% in 2027.

B o E OFFERS CAUTION OVER POTENTIAL AI BUBBLE

The Bank of England has warned of a “sharp correction” in the value of major tech companies with growing fears of an artificial intelligence (AI) bubble. It said share prices in the UK are close to the “most stretched” they have been since the 2008 global financial crisis, while equity valuations in the US are reminiscent of those before the dotcom bubble burst. The central bank’s financial stability report warned valuations are “particularly stretched” for companies focused on AI. In its report, the Bank also

announced plans to lower the amount of capital High Street banks need to hold in a bid to boost lending and spur economic growth.

❛❛ “What I like about Christmas is that you can make people forget the past with a present. ❜❜

– Don Maquis

THE UK’S FAVOURITE SMALL BUSINESSES

The UK’s favourite small businesses have been revealed, showcasing its love for small firms ahead of Small Business Saturday (December 6th). The public is being urged to show support and spend with small businesses, as research from Small Business Saturday UK and American Express shows that independent cafes and coffee shops top the UK’s list of favourite small businesses.

1. Cafes and coffee shops (32%)

2. Independent restaurants and takeaways (21%)

3. Bakeries (19%)

4. Bars and pubs (16%)

5. Hairdressers and barbers (15%)

6. Convenience stores (13%)

7. Bookshops (10%)

8. Garden centres (10%)

9. Gift shops (9%)

10. Garages and mechanics (9%)

Additionally, over half of Brits (58%) have a favourite small business. This reflects encouraging signs that UK Christmas spending with small businesses could rise by 19% to £5.3 billion.

By Sam Jones (left), Partner, Head of Corporate Tax and Jo White, Partner, Head of Private Client Tax, Kreston Reeves

BUDGET 2025 What does it mean for you and

After months of build-up and speculation, Rachel Reeves delivered her second Budget. It was a Budget aimed at ‘rebuilding the economy’ and promoting growth through ‘stability, investment and reform’, and thanks to the early unintentional release of the Office of Budget Responsibility’s report, there weren’t any big surprises.

Unlike last year’s Budget, which saw significant changes announced to Capital Gains Tax rates and Inheritance Tax reliefs, this year’s announcement focused more on rates and reliefs applicable to income and encouraging business investment. These include changes designed to encourage entrepreneurialism by relaxing existing incentive schemes, whilst not making significant changes to the Corporate Tax regime.

Changes affecting individuals include increases in the rates of tax payable on dividends (from April 2026) and on rent and savings (from April 2027), the extension of the freeze on income tax bands until 2031, and a high-value council tax surcharge being imposed from April 2028 on properties worth more than £2 million.

Over the next few pages, we explain what the Budget will mean for you and your business.

If you would like further insights, visit our Budget 2025 hub at www.krestonreeves.com/autumn_budget_2025

❛❛ For individuals, the message is clear: the government is shifting the tax burden toward wealth, investment and property ❜❜

WHAT DOES THE BUDGET MEAN FOR YOU?

The Chancellor set out a package of measures designed to raise revenue without increasing the headline tax rates for working people. Yet, her commitment to freeze the main rates of Income Tax until 2031 will see everyone paying greater amounts of tax.

For individuals, the message is clear: the government is shifting the tax burden toward wealth, investment and property, while offering targeted reliefs where possible, such as scrapping the two-child benefit cap and the welcome introduction of transferable business and agricultural property relief allowances.

THE MAIN IMPLICATIONS OF THE BUDGET FOR INDIVIDUALS

Inheritance tax reliefs: Transferable £1 million APR/BPR allowance

The Government’s Autumn Budget made no substantial changes to reforms to Agricultural Property Relief (APR) and Business Property Relief (BPR) that will take effect from April 6th 2026, but there was some good news for families affected by those reforms.

As announced in the Autumn 2024 Budget, 100% IHT relief for qualifying

your

❛❛

Unlike last year’s Budget, this year’s announcement focused more on rates and reliefs applicable to income and encouraging business investment. ❜❜

your business?

APR and BPR assets will be limited to an individual allowance of £1 million from April 2026. Over and above that, qualifying APR and BPR assets will benefi t from just 50% relief.

The Government’s original proposals did not, however, allow any unused part of that £1 million allowance to be transferred between spouses on the first death.

Helpfully, the Chancellor announced a concession that will now allow this transfer between spouses and civil partners, much in the same way as the Nil Rate Band and Residence Nil Rate Band.

This concession does not increase the overall relief to married couples and civil partners, but it ensures that unused allowances on the first death are preserved. It will apply even where the first spouse or civil partner died before April 6th 2026.

Changes to income tax and ISAs

While income tax rates remain unchanged, the Budget introduces targeted increases to rates on other income streams. Dividend tax rates will rise by 2% from April 2026 (but not for additional-rate taxpay-

FINANCE

ers), and savings and property income tax rates will rise by 2% from April 2027 for all individuals.

Additionally, the Chancellor announced major changes to ISA, encouraging savers to invest in stocks and shares ISAs. Whilst the £20,000 limit remains, a £12,000 cap will, from 2027, apply to cash ISAs for the under-65s.

Salary-sacrifice pension contributions

From April 2029, salary sacrifice for pension contributions will be capped, with only the first £2,000 each year

being exempt from national insurance contributions. Over and above that, employer NIC at 15% and employee NIC at 8% will be applied. Income tax relief remains unchanged, and the change only affects salary sacrifice arrangements, not standard employer contributions.

International and non-resident tax changes

The Budget contained several measures impacting non-UK residents that reflect a broader strategy of tightening rules that historically benefited non-resident or non-dom individuals. These include:

• Dividend tax credit abolished for

❛❛ The changes announced in this Budget continue the shift toward tightening reliefs on wealth, investment income and international structures. ❜❜

non-residents from April 6th 2026, meaning some individuals will face UK tax on dividends previously covered by the credit.

• Further adjustments to non-resident Capital Gains Tax (CGT) to close loopholes, particularly around protected cell companies.

• A new £5 million cap on inheritance tax charges for excluded property trusts, applying from April 6th 2025.

The changes announced in this Budget continue the shift toward tightening reliefs on wealth, investment income and international structures. While many of the measures will feel incremental, their combined impact will be significant for clients with diversified income or cross-border assets.

The ability to transfer the £1 million APR/BPR allowance is a bright spot, offering families more flexibility. But with major reforms taking effect over the next three years, it’s crucial individuals review their asset ownership, estate plans and pension arrangements sooner rather than later. Now is the time to seek advice and ensure your planning is fi t for this new tax landscape.

WHAT DOES THE BUDGET MEAN FOR YOUR BUSINESS?

The Chancellor emphasised the importance of entrepreneurs and the need to match private enterprise with public ambition. The government has launched a policy paper on entrepreneurship signalling priority areas for further action to support entrepreneurs, and a call for evidence on tax policy to support investment in high-growth UK companies. We urge businesses to contribute to this.

Whilst stability remains in the VAT and corporate tax landscape, several announcements that businesses need to understand were made.

Tax changes to support scale-ups

Reforms were announced to support scaling businesses by expanding tax reliefs for both companies and investors. From April 2026, Enterprise Management Incentives (EMI) limits will significantly increase - doubling employee thresholds, quadrupling asset caps, and extending option exercise periods - allowing growing firms to retain talent longer.

Investor schemes also see enhancements: Enterprise Investment Scheme (EIS) limits will double whilst preserving existing tax reliefs, whilst Venture Capital Trust (VCT) relief reduces from 30% to 20%. These changes aim to make follow-on funding more attractive and help scale-ups secure talent and capital without cash strain.

Capital allowances changes

From January 2026, a new 40% firstyear allowance will apply to qualifying plant and machinery purchases, extend-

ing relief to unincorporated businesses (including partnerships with corporate partners) and assets bought for leasing, which were previously excluded. From April 2026, the writing-down allowance for main-pool assets will drop from 18% to 14%, reducing ongoing tax relief.

Employee Ownership Trust (EOT) tax relief slashed by 50%

The 2025 Budget has halved the Capital Gains Tax (CGT) relief for disposals to Employee Ownership Trusts (EOTs), replacing the previous 100% exemption with a 50% exemption effective immediately, resulting in an effective CGT rate of 12% on disposals to an EOT. This change follows a sharp rise in the cost of the relief, projected to reach £2 billion by 2028–29, and comes amid broader CGT increases that had made EOTs highly attractive.

Overseas workday relief

The government will limit the proportion of earnings an employer can exclude from PAYE through a PAYE notification to a maximum of 30%, which is the maximum overseas workday relief one is able to claim through self-assessment. This aligns the PAYE system and the self-assessment system and will take effect from April 6th 2026.

The stability in the main Corporate

❛❛ It will be interesting to see the outcome of the government’s review into entrepreneurship in the UK. ❜❜

Tax regime is to be welcomed, as are the improvements to capital allowances and the investment reliefs, which should help investment both by businesses and individuals.

Capital gains tax: Anti-avoidance on share exchanges and reorganisations

The government has announced immediate changes to modernise the anti-avoidance rules applying to share exchanges and company reorganisations. These updates aim to close loopholes and ensure that tax-neutral treatment is available only where genuine commercial purposes exist, thereby preventing arrangements designed to sidestep CGT. The measures will take effect immediately, so businesses currently involved in restructures or share-forshare transactions should review their plans carefully to ensure compliance.

Incorporation Relief

From April 6th 2026, businesses transferring a trade to a company will need to actively claim incorporation relief. Previously, this relief applied automatically, but under the new rules, a formal claim will be required.

Corporation Tax late filing penalties

From April 1st 2026, the penalty for submitting a Corporation Tax return late will double, reflecting the government’s commitment to improving compliance.

It will be interesting to see the outcome of the government’s review into entrepreneurship in the UK and the tax policies that could be adopted to promote growth and risk-taking.

Businesses with employees being paid the national minimum wage and those operating a salary sacrifice scheme for pension contributions will need to consider the impact of the changes announced in the Budget.

SURREY BUSINESS THE WINNERS, THE

BUSINESS AWARDS 2025

The winners of the highly-anticipated 2025 Surrey Business Awards, held in association with Surrey Chambers of Commerce, were revealed at a spectacular sold-out event at the iconic G Live Centre in Guildford on November12th.

Hosted by acclaimed comedian Zoe Lyons, the glittering black-tie ceremony brought together hundreds of business leaders from across the region to celebrate excellence, innovation and achievement.

A total of 15 awards were presented on the night, recognising the most outstanding businesses and individuals across Surrey. Categories included Customer Service, Innovation, Sustainability, Startups and Professional Services, with the prestigious Company of the Year honouring one exceptional organisation that stood out across all areas.

Each winner was selected following a rigorous judging process, which involved detailed scoring, interviews and a ﬁnal judges’ meeting. The judging panel included representatives from this year’s sponsors: Heathrow Airport, Mercedes-Benz of Guildford, Partridge Muir & Warren, DMH Stallard, Activate Learning, Menzies, Occupational Health Consultancy, NESCOT, Business Surrey, Morr & Co, MHA, RBC Brewin Dolphin, Surrey Business Magazine and The HR Dept.

Maarten Hoffmann, Managing Director of Platinum Media Group and organiser of the event, commented:

“The atmosphere on the night was electric. The calibre of finalists was truly exceptional, showcasing the innovation, resilience and ambition that define Surrey’s business community. Congratulations to all our winners and finalists – you are an inspiration to us all.”

In addition to celebrating business excellence, the evening also supported a fantastic cause – with guests and businesses coming together to help raise over £7,000 for SATRO, an educational charity that has been working across the South East since 1984.

The 2025 Surrey Business Awards once again proved to be a highlight of the regional business calendar – a night to remember celebrating the very best of Surrey’s thriving business community.

View the 2025 winners and ﬁnalists here: www.platinummediagroup.co.uk/events/surreybusiness-awards/winners-2025

THE 2025 WINNERS

EMPLOYER OF THE YEAR

Sponsored by Mercedes-Benz of Guildford MENZIES

PROFESSIONAL SERVICES AWARD

Sponsored by Occupational Health Consultancy

MLP WEALTH MANAGEMENT

❛❛ It’s incredibly rewarding and heartwarming for CRS to be recognised in this category. We strive to make a positive social impact in our local community and through our partnership with the Community Foundation for Surrey, we will continue to support many small charities and local community projects. ❜❜

Charles Russell Speechlys COMMUNITY HERO AWARD 2025

SUSTAINABILITY CHAMPION AWARD

THE 2025 WINNERS

FUTURE TALENT OF THE YEAR

Connecting business leaders for positive

Business leaders from across the Central South region flocked to the Business South Annual Conference, the flagship business event in the region’s calendar.

“Time for Change” was the theme for the conference, and 250 business leaders listened to an energising array of speakers reflecting a focus on evolving opportunities, new collaborations and the transformational potential of regional devolution.

The conference at the Hilton, Utilita Bowl in Southampton on November 6th, offered delegates the chance not only to hear from national voices but also to reflect on how those voices apply locally and how we can learn from others, as businesses in the region prepare for devolution, investment, and growth.

The day kicked off with a fascinating talk from Sir Andy Street, Mayor of the West Midlands Combined Authority from 2017 to 2024. He famously steered that region through one of its most ambitious investment and regeneration programmes, and he had plenty to share regarding the opportunity that devolution presents for Hampshire and the Solent.

public and private sectors working in partnership for the general good of the people and region – getting the right individual for the job is crucial,” he said.

Luke Murphy MP for Basingstoke talked about how our region is driving the UK’s next chapter of growth. With a long list of business strengths in the Central South, we have a fantastic story to tell. The mayor will be a voice for the region and key to delivering prosperity.

❛❛ Having a mayor is not a prerequisite for success, but Mayors are enabled, and it presents a great opportunity to attract investment. ❜❜

He added that he is proud to be chair of the Central South All-Party Parliamentary Group and to represent the businesses that work hard for the region.

“This is an exciting time for the region, and how successful the mayor will be is in your hands. Having a mayor is not a prerequisite for success, but Mayors are enabled, and it presents a great opportunity to attract investment. The spirit must be one of collaboration, openness and transparency with the

Professor Dame Wendy Hall, Regius Professor of Computer Science at the University of Southampton, Associate Vice-President (International Engagement), and Director of the Web Science Institute, provided an update on efforts to make Southampton a Centre of Excellence for AI. The theme

positive change

Kate Beal-Blyth, an award-winning producer in the unscripted TV space with over 20 years’ experience and founder and CEO of Woodcut Media, spoke about why our region is so special and why it is ripe for good growth.

of AI was further explored by Rachel Randall & Mark Bretton of Solent Growth Partnership, who discussed Solent’s AI Skills Pilot.

Business South CEO Leigh-Sara Timberlake reflected on the year’s highlights and looked ahead to what 2026 might hold.

She said: “We want to ensure that all our Business South Champions - the 150+ leading employers in the region who support us - survive and thrive; that they are able to recruit for the skills they need and that we protect our fabulous environment.”

Henri Murison, CEO of the Northern Powerhouse Partnership, brought the conference to a close, reflecting on the opportunity our region holds and how important partnership and collaboration will be. “If the goal of Hampshire and the Solent region is growth, people must work together to make tough decisions. The fundamentals need to be sorted. Transport is key to economic success, enabling people to commute across the region to the well-paid jobs will drive prosperity.

“To make these big decisions, the public and private sectors and academics must collaborate, to ensure the right thing is done in the interest of their region,” he said.

BUSINESS SOUTH IN ACTION

Business South is an independent and influential organisation operating in Central South UK as a non-partisan business engagement organisation. It connects leading employers to promote the area and champion the economy in the region.

Business South’s vision is for the region to be recognised nationally and internationally, as a preferred location of choice, able to attract and retain talent, driving increased opportunities for investment and business.

In 2025, Business South delivered over 25 events for more than 1,400 delegates and hosted 26 Action Group meetings for over 500 business leaders. And in the drive to raise the profile of our region both nationally and internationally, we have visited London, Leeds, Liverpool, Wales, Germany, and France.

It has also facilitated five All-Party Parliamentary Group meetings for the Central South at Portcullis House in Westminster, and we are delighted that Luke Murphy MP has agreed to chair this important group, supported by Darren Paffey MP.

The organisation is bringing people together through its Champion Programme - there are more than 100 Business South Champions, employing 100,000 people between them and contributing an estimated £4 billion to the region.

Leigh-Sara Timberlake

Sir Andy Street

Dame Wendy Hall

By Simon Bellm, Lydia Goodman and Rustom Tata, DMH Stallard

SERIAL LITIGANTS IN THE WORKPLACE:

How to spot employment claims

Employees, workers, and even job applicants are becoming increasingly aware of their employment rights and how to bring a claim in the Employment Tribunals. With this, we are seeing a growing number of serial litigants who seek employment with the primary purpose of creating disruption.

HOW DO WE SPOT A SERIAL LITIGANT DURING THE RECRUITMENT PROCESS?

One way of identifying a serial litigant during the recruitment process would be to search a prospective employee’s name on the Employment Tribunal

Decisions Register. This will display all published judgments involving an individual’s name, although it may not reveal the full extent of their tribunal litigation.

Another option is for an employer to search a prospective employee’s social media. It is lawful for an employer to conduct social media checks; however, employers need to ensure they are complying with data protection legislation and privacy considerations.

Further clues may come from an employee’s reference or former employer.

In the last 10 years, we have seen a big shift in employers only providing basic references. However, you may get information from a previous employer suggesting a background of complaints or even Tribunal claims.

CAN YOU REJECT A SERIAL LITIGANT’S JOB APPLICATION OR DISMISS AN EXISTING EMPLOYEE?

The key consideration for employers is that an individual who has issued a claim in the Employment Tribunal against an organisation, or who has issued a grievance alleging discrimination at an organisation, will have the protection of victimisation legislation.

It is, therefore, open to a job applicant who has been refused a job, or an employee who has been treated less favourably or dismissed from employment, to argue that the reason for rejection or dismissal is because they had previously undertaken a protected act, such as raising a grievance or issuing an Employment Tribunal claim.

❛❛ One way of identifying a serial litigant would be to search a prospective employee’s name on the Employment Tribunal

Decisions Register. ❜❜

WORKPLACE: claims early

This exposes employers to a high risk of having a victimisation claim lodged against them, which, if successful, could see an employee being awarded significant levels of compensation.

WHAT SHOULD AN EMPLOYER DO IF IT DISCOVERS IT HAS TAKEN ON A SERIAL LITIGANT?

The priority must be to prevent any meritorious real claims from arising. That means dealing with issues with respect and in accordance with procedures. Employers should be wary of the potential risks and pitfalls of taking premature action, and exercise patience in ‘picking their moment’ to properly address the employee’s behaviour.

afforded by the Equality Act, whistleblowing, and victimisation legislation. Employers will need to address any complaints carefully and in accordance with proper processes.

Not only will this generate a lot of distraction and, potentially, expense for employers, but it will often have a knock-on effect for other employees within the organisation who find themselves the alleged perpetrator of very serious allegations. They may even find themselves named as respondents to a tribunal claim.

from the burden of dealing with unmeritorious claims.

Applications for CROs and RPOs can be brought by employers or, in some circumstances, the Attorney General. The granting of such requires a high threshold to be met, and these applications can take a long time to be processed. A list of individuals who have had these orders made against them is available online from the Government.

❛❛ Employers should... exercise patience in ‘picking their moment’ to properly address the employee’s behaviour. ❜❜

WORKPLACE DISRUPTION AND TACTICS TO ENCOURAGE SETTLEMENT

Serial litigant employees will often cause as much aggravation and disruption in the workplace as possible to encourage employers to ‘pay them off’. This may take the form of raising frivolous grievances, alleging discrimination or whistleblowing, making spurious requests for reasonable adjustments, submitting Data Subject Access Requests (DSARs), or filing complaints with external bodies and regulators, such as the police.

By doing so, they can effectively create statutory protections for themselves

Employers will need to ensure employees who are tasked with dealing with serial litigants, such as managers, grievance or disciplinary chairs, and human resources personnel, receive adequate training and support in this role.

CAN YOU STOP A DISGRUNTLED EMPLOYEE FROM BRINGING A TRIBUNAL CLAIM?

There are measures in place to effectively bar a serial litigant from bringing claims in the courts and in Employment Tribunals. This is typically achieved through Civil Restraint Orders (“CROs”) or Restricted Proceedings Orders (“RPOs”). These orders aim to protect the court system and opposing parties

If an employer is faced with a claim from a serial litigant who does not have any such order made against them, it may be open for them to apply to strike out the serial litigant’s claim. Strike out is a very draconian measure, and we are seeing an increasing reluctance from the Employment Tribunals to strike out claims.

However, we have had success in striking out claims on the grounds that their claims were scandalous or vexatious or had no reasonable grounds of success, and the manner in which the proceedings had been conducted by or on behalf of the claimant had been scandalous, unreasonable, or vexatious.

If you need help responding to a claim or dealing with a diffi cult employee situation, please contact DMH Stallard on enquiries@dmhstallard.com

By Jen Melbert

Why businesses should stop pretending they don’t need AI

AI is already here. The question isn’t whether businesses should use it, but whether they can afford not to.

I’m not an AI expert. I’ll leave that to specialists like Mary Kemp from Brighton AI and Graeme Cox from Attercop, two of the South East’s ‘go-tos’ for technical brilliance. I’m a brand consultant who works with ambitious businesses to help them stand out and stay relevant. I’ll say it straight: companies clinging to human-only creativity risk becoming outdated.

AI isn’t a threat to creativity. It’s an expansion of it. By combining AI’s speed and data intelligence with human judgment and emotional insight, businesses can operate faster, smarter and more competitively.

AI AS AN ACCELERATOR, NOT A THREAT

When guided by human judgment and brand strategy, AI becomes an accelerator, not a threat.

STOP SITTING ON THE FENCE

Right now, many businesses either quietly use AI or loudly dismiss it. The corporate world must stop whispering about AI and start embracing it as a strategic tool.

Partner Richard Pollins said, “We have invested heavily in technology in recent years, and the implementation of Harvey AI is a natural continuation of that.”

DMH Stallard has introduced AI as a genuine enabler of expertise and responsiveness. The firm has been transparent about its adoption and turned it into a brand advantage, using technology to reinforce trust, strengthen client service and signal innovation.

❛❛ The corporate world must stop whispering about AI and start embracing it as a strategic tool. ❜❜

I’ve seen how AI can level the playing field for start-ups and SMEs, allowing them to compete with larger organisations. When used well, it helps businesses work more efficiently and focus their human energy where it counts –on strategy, innovation and customer experience.

AI gives smaller teams access to capabilities once reserved for big corporations, such as analytics, creative tools and automation. It enables ambitious businesses to look, sound and perform like bigger brands.

It is no longer enough to resist AI in the name of nostalgia or job protection. The real opportunity lies in using it to free up people for higher-value work such as long-term brand building, creative problem-solving and customer experience. AI is a tool of empowerment, not replacement.

WHEN AI STRENGTHENS THE BRAND

The best outcomes come from a partnership between technology and human intelligence.

A great example is law firm DMH Stallard, which recently announced its adoption of Harvey, a generative AI platform for legal professionals. The technology streamlines research and drafting, improving efficiency without replacing expertise. As Managing

WHEN AI WEAKENS THE BRAND

One thing is clear: transparency is non-negotiable. Businesses should have a clear AI policy that everyone understands. Transparency builds trust by showing where AI supports and where humans lead. Customers reward brands that are open and confident about how they use technology, not those that hide behind it.

Go a step further, and the benefi ts can become game-changing. Brands that consciously integrate AI into their brand and business strategy see the benefi ts, in terms of innovation, efficiency and customer focus, giving clients tangible reasons to choose them over competitors.

But when overused or poorly guided, AI can do more harm than good. We have all seen it. Robotic-sounding LinkedIn posts, tone-deaf emails or generic blog

❛❛ The smartest use of AI is not to replace people, but to give them more time to be brilliant. ❜❜

content. Overreliance on automation flattens individuality – the very thing a brand depends on to stand out.

AI drafts, but humans differentiate. Creativity, humour and emotional intelligence remain a brand’s greatest assets. As Mary Kemp put it, “People don’t care if you’ve used AI; they care about the thought you’ve put in and how it makes them feel.”

AI DOES NOT MAKE YOU COMPETITIVE. STRATEGY DOES AI can enhance ideation, analysis and structure, but the creative spark requires people. It can speed up thinking, but it cannot replace it. Strategy, not speed, separates innovation from imitation. AI is brilliant at amplifying what exists, but it is human curiosity, insight and judgment that move businesses forward.

Competitiveness will belong to those who combine both: the machine’s momentum with the human ability to imagine what comes next.

THE HUMAN ADVANTAGE

The smartest use of AI is not to replace people, but to give them more time to be brilliant. It allows us to focus on the magic, the ideas, empathy and insight that make brands stand out.

The future will not be human OR machine. It will be the most human brands using the smartest technology to do what we do best – connect, create and grow.

Jen Melbert is co-founder of brand growth consultancy Growth Animals growthanimals.com

The roles most feeling the impact of AI in 2025

ChatGPT ranks seventh in global searches, Google’s Gemini is the eighth rising term this year, and “AI” sits as the 13th most searched term worldwide. But as AI tools rival social media platforms in search popularity, which professions are seeing the most significant shift in interest for their AI counterparts?

• Doctors vs. therapists: Searches for “AI doctor” rose 25%, but “AI therapist” dropped 13%. People seem more willing to trust AI with diagnosis than emotional support.

❛❛ Which professions are seeing the most significant shift in interest for their AI counterparts? ❜❜

Keen to find out, the experts at Gigacalculator analysed global search data from January to November 2025, revealing which jobs have seen the largest spike—or decline—in searches for AI substitutes, and which industries are most anxious about automation.

KEY FINDINGS

• Finance leads the anxiety surge: Financial advisors see a 166% spike in AI alternative searches, with accountants close behind at 100% growth. Queries like “will AI replace accountants” are up 60% since January.

• Tech’s surprising retreat: The industry building AI shows the least interest in using it. Programmers (-28%), software engineers (-56%), and marketing assistants (-68%) have all seen sharp drops in AI alternative searches, even as replacement anxiety climbs.

• Creative ﬁelds cool off: “AI artist” searches plummeted 19%, from 271,000 to 220,000 monthly, despite being the most sought out, the initial fascination is plummeting.

Gigacalculator reveals that the role of fi -

nancial advisors has seen the most significant percentage increase in searches for AI alternatives, at over 166% since the beginning of the year alone. Not only this, but comparing the prior volumes on queries into role-specific security concerns, the position also came out on top, with a 200% increase.

In a close second and remaining in the finance sector, are accountants, with “ai accountant” seeing a monthly average increase of 100%, doubling that of January. Concern remains rife, with “will AI replace accountants” now garnering 60% more searches almost a year down the line. Coders (+88%), scientists (+35%), and data analysts (+50%) complete the top five, though, interestingly, enquiries signalling concern have remained stable or reduced since the beginning of the year, apart from scientists, where concern remains low at 150 monthly enquiries.

Therapists - Despite steady concern about job replacement, actual searches for AI therapy alternatives have dropped 13%, from 15,000 monthly to 13,000 - perhaps following recent realisation and research of its risks - yet the profession still sees the 5th-highest volume of searches in the dataset for its counterpart.

Artists are painting a similar picture. While some ponder on whether AI will replace their profession, searches for “AI art” have plummeted nearly 19%from 271,000 to 220,000. The initial fascination with AI-generated images is gradually giving way to a more realistic

understanding of where technology fits in creative work.

But the real plot twist lives in the tech sector itself. Programmers (-28.57%), and software engineers (-56.45%) have both seen dramatic drops in searches for AI alternatives, even as some of these roles see increased concern about replacement. Software engineers, for example, show a 44% jump in replacement anxiety, yet actual searches for AI alternatives have cratered by over half.

Marketing assistants have witnessed the most dramatic drop in the entire

dataset. Searches for “AI marketing” have plummeted 68%, tumbling from 89,000 monthly searches in January to just 28,000 now, as many are likely discovering through firsthand testing where AI can assist and where human creativity still wins.

Find the complete dataset of over 50 roles here. www.gigcalculator.com

Five roles show a decrease in AI alternative searches

FINANCE

By William Martin, Managing Director, Southover Wealth

Five paths to a successful business exit

Exiting your business is one of the biggest financial and emotional decisions you’ll ever make. For many SME owners, it marks the end of years (or decades) of hard work, late nights, and personal investment. Whether you’re preparing for retirement or ready for a change, careful planning can help ensure your exit is both rewarding and sustainable.

stands your business inside out, which can make them ideal buyers. A management buy-out enables continuity

a Members’ Voluntary Liquidation can provide a clean, efficient exit. You can close the company, distribute assets tax-efficiently, and move on knowing your affairs are in order.

❛❛ Exiting your business is one of the biggest financial and emotional decisions you’ll ever make. ❜❜

Here are five ways to make your business exit work for you:

1. TRADE SALE

Selling your business to another company can be both lucrative and liberating. A strategic buyer, such as a competitor or a business seeking to expand, may see real value in what you’ve built. The process can be complex and emotional, so having expert financial advice helps ensure you achieve a fair valuation and structure the sale in a tax-efficient way.

2. PARTIAL SALE

If you’re not ready to let go entirely, consider selling part of your business to an investor or private equity firm. This allows you to realise some value now while retaining an ownership stake and potential for future growth. It’s a useful approach for those who want to reduce personal risk without losing control overnight.

3. MANAGEMENT BUY-OUT (MBO)

Your management team already under-

for staff and clients while allowing you to step back. Often, the team raises capital through external financing, so structuring the deal properly is key to protecting your financial outcome.

4. EMPLOYEE OWNERSHIP TRUST (EOT)

If legacy matters most, selling to your employees through an Employee Ownership Trust can be an excellent option. It rewards the people who helped build your success and provides attractive tax advantages. As it keeps the business rooted in its existing culture, it can be a way to exit without selling to an outsider.

5. SOLVENT LIQUIDATION

When a business has achieved its purpose or no longer holds resale value,

Whatever your preferred route, the right advice can make all the difference. Understanding the financial implications is vital before making a move.

If you’re considering an exit, seek professional guidance early. A wellplanned strategy can help you protect your wealth and secure your legacy.

William Martin DipFA CeMAP

Managing

Director,

Southover Wealth Senior Partner Practice of St. James’s Place

Tel: 020 8058 8230 Mobile: 07487 727 498

www.southoverwealth.co.uk william.martin@sjpp.co.uk

Southover Wealth is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

By Rachel Innes, Associate Solicitor, Monan Gozzett LLP

Facing a high-net-worth divorce?

Monan Gozzett serves a diverse national and international client base and we specialise in private litigation in the areas of regulatory, reputational management, internal investigations, education, private client and wealth management, family, employment, civil, criminal and commercial litigation law.

Our expanding family law department assists clients with divorce and financial remedies, children’s matters, and sensitive high-stakes family disputes.

Are you facing a high-net-worth divorce? Read on for some practical tips designed to provide a compass to help you navigate your next steps and set your course of action to engage the appropriate legal professionals to assist you.

Opting for non-confrontational dispute resolution methods can offer notable advantages in terms of time, finances, and emotional well-being. These approaches facilitate a smoother process for all parties involved and foster the possibility of maintaining a more amicable relationship with your former partner, which is especially crucial in high-net-worth divorces.

to familiarise yourself with mediation’s principles and assess its compatibility with your divorce situation.

Mediation has a reputation as an expedient and cost-effective way to resolve the practical aspects of divorce. However, it might not be the most suitable choice in cases involving intricate concerns, as access to immediate legal counsel during the sessions is restricted.

❛❛ Facing the end of a relationship with someone can be highly challenging, and we understand the emotional drain this can have ❜❜

Facing the end of a relationship with someone can be highly challenging, and we understand the emotional drain this can have on individuals and their wider families.

The divorce process can be particularly stressful if you or your partner has significant wealth. Our highly experienced family solicitors are specialists in highnet-worth divorce cases. They will work with you throughout the process to secure the best possible outcome and alleviate your difficulties.

A high-net-worth divorce can involve complex issues. There could be substantial finances, properties, and assets to consider, as well as children, custody, and maintenance. Personal assets such as inherited wealth, on and offshore investments, properties, pensions, trusts, business assets, spousal, and child maintenance all need careful consideration.

This approach proves particularly valuable if you share children, as contentious divorce proceedings can significantly impact their well-being. Additionally, in scenarios where lingering conflicts or animosity between parents exist, utilising non-confrontational methods becomes even more essential.

Currently, mediation stands as the prevailing method for navigating divorce proceedings. This strategy entails a series of deliberate discussions between you and your spouse, orchestrated by a trained, impartial third party known as a mediator.

The primary objective of these sessions is to address areas of disagreement and collaboratively devise voluntary solutions to resolve pertinent issues.

Before legal action, engaging in mediation is usually a prerequisite. Attending a Mediation Information and Assessment Meeting (MIAM) is mandatory

At Monan Gozzett, we can support you through every aspect of the divorce process and find the solution that best suits your individual circumstances.

From the initial divorce application to dealing with the complexities that often arise with high-value financial settlements, we will help make your highnet-worth divorce run as smoothly as possible.

For an informal discussion in the strictest of confi dence, contact us on 01903 927055 or email us at info@monangozzett.com.

Monan Gozzett LLP is a bespoke law fi rm offering an unparalleled, unique personal service, tailored to the individual needs of our clients.

Our offi ces are situated in the heart of the historic market town of Arundel, West Sussex, with other locations in London, Manchester, York, Hampshire and Surrey.

The man who danced through failure

How

By Laura Hearn

Determined to face his past head on, Sir Rod Aldridge returned to the place it all began. Apart from a few new pictures and posters on the walls, not much had changed. He can still pinpoint exactly where his desk was positioned. He can still remember how he felt that day. And so whilst some things remain the same, the following chapters of Rod’s life tell a very different story.

“It’s unbelievable that after all that’s happened to me since, it can still have such an impact on me.” Reaching for the glass of water in front him, Rod’s voice continues to carry the burden of that memory. “I was very upset about failing.”

bound to be right. I struggled with English. Maths was always my subject.”

Rod passed the first part but failed the second. And that failure set the course for everything that followed.

“It defined you at 10 or 11 and categorised you into somebody who was either worthy of education or not.

“I can still remember the day when we were walking down the road in Portslade. He spotted our neighbours coming up ahead, and he actually crossed the road. Not because he didn’t want to see them, but because he knew they were going to ask him, “‘How did Rod get on?’”

That moment of shame, of a beloved grandfather unable to face the neighbours, planted something in the young Rod. Anger and a deep sense of injustice.

❛❛ It wasn’t just the institutional rejection that pained him. It was the human cost. Rod’s mother and father were devastated ❜❜

The failure he’s referring to is the 11plus exam, a test that didn’t just determine which school you’d attend, it categorised you as a person. At just 10 years old, Sir Rod was defined by the system as someone unworthy of investment, someone who wasn’t quite bright enough for a grammar school education. He remembers the exam vividly, particularly the spelling section. “I remember writing February three different ways because one of them was

The alternative was an education that marked you in a way that felt very much like ‘unfit for purpose.’ The impact was immediate and brutal. I felt like a second-class citizen.”

But it wasn’t just the institutional rejection that pained him. It was the human cost. Rod’s mother and father were devastated. His working-class family had pinned their hopes on him, their only child. And then there was his grandfather, the man who meant everything to him.

“That is what has driven me my whole life. “It’s pathetic, but I got angry because I didn’t like being categorised in that way, and I thought I was a lot better than that.”

THE DAY THEY WERE LEFT BEHIND

The day the other children went off to the grammar school, the remaining ten pupils, Rod included, were left behind in that hall. Just left there, all day, while their peers got their chance at a different future.

“The system basically blocked out any studying of A-levels, and

Sir Rod Aldridge turned rejection into a multi-billion pound empire.

any thought of university - instantly gone.” The train had split onto two tracks, and Rod was on the one leaving school at 16 with just a handful of O-Levels, ill-equipped to start work the following Monday.

But, what the system had failed to account for, was Rod’s sheer grit and determination to overcome his nagging feeling of rejection. To prove the system wrong.

For that, Rod found something unexpected.

THE BALLROOM YEARS

From the ages of seven to 20, Rod danced competitively. It’s a detail that surprises people, a footnote in the biography of a man who would go on to build a multibillion FTSE 100 company. But those years on the dance floor were foundational.

where he could excel and please his parents. His competing took him on an incredible journey, leading him to perform at the Royal Albert Hall, and the world-famous Tower Ballroom in Blackpool.

The parallels to his later life are striking. “I’m a person that prepares for things and thinks ahead,” he tells me. “I like to know what I’m going to do and when I’m going to do it, and I like to have control over that.” That same discipline that served him in the ballroom would later drive his business success.

“I’m an all-in, all-out person. I either love something and do it, or I don’t and I won’t.” Rod explains. Whether it was dancing, building businesses, or later, his philanthropic work, he commits

with what he had, which wasn’t what the system deemed impressive. However, he qualified as an accountant at 22, studying at home, in the evenings and weekends, But he also had something that no grammar school could have taught him: the ability to recognise opportunity.

❛❛ I like to know what I’m going to do and when I’m going to do it, and I like to have control over that. ❜❜

“Dancing gave me something the education system had taken away - achievement, recognition.” Proof that he was, in fact, good enough. It was also a space where his mother’s and father’s expectations could be met, and the structure and discipline of competitive dancing provided a framework

completely or not at all.

SPOTTING THE OPPORTUNITY

Rod left school on a Wednesday and started working in local government the following Monday. He was equipped

“You will get an opportunity in life that has the potential to change your life - it’s a question of whether you recognise it or not.”

For Rod, that opportunity came when he spotted a gap in the market for outsourcing public sector services. That knack of spotting a gap led him to a 22-year career building Capita - a FTSE 100 company that today employs over 60,000 people. Not bad for someone who was told he would amount to nothing.

The 11-year-old boy left in the hall may be an image that has haunted him, but it is also the same image that has spurred his determination into proving everyone (himself included) that they got him very wrong.

A LIFE STILL STRUCTURED

Today, at an age when most would have long since retired, Sir Rod maintains the same structured approach that got him through those early years. “I’m a person that will never retire,” he states with conviction. He’s up at 6:15 each morning, his days carefully managed with his

The Brighton Aldridge Community Academy (formerly

PA, his diary meticulously planned. But there’s a crucial difference now. He no longer feels the pressure he did before to be and do everything.

“I still like a blank sheet of paper. I like to build things, to create things. That will never change” he says. “I believe that our young people need the space to learn, explore and to fail.” It’s the perspective of someone whose early years were shaped by a system that still jars him - one that he says is outdated and redundant.

WHEN THINGS DON’T GO TO PLAN

I ask him about control, about what happens when things don’t go according to plan. It’s a question that feels particularly relevant for someone whose life was fundamentally altered by a single exam at 11 years old.

when they looked nothing like what he’d imagined for himself.

Yet, despite his self-assuredness, he still finds himself overthinking. “I am a worrier,” he confesses. “I’m not a great sleeper actually.” Current projects keep him up at night. The Cricket Centre at The University of Brighton. His Foundation. The complexity of mixing family and business.

more of a measured outrage of someone who built a life in defiance of a system, only to discover that system is still categorising children. Still telling children they’re not good enough, still leaving some behind in halls while others get their chance.

Cemented in his ‘why’, Rod believes that where you come from should not dictate where you are going. Founded in 2006, The Aldridge Foundation provides young people from disadvantaged backgrounds, education and experiences that will level the playing field.

❛❛ Despite his self-assuredness, he still finds himself overthinking. “I am a worrier,” he confesses. “I’m not a great sleeper actually.” ❜❜

“I would agree with you that a lot of things that have happened to me haven’t been planned. I don’t think you can plan to the nth degree and I think you’ve got to spot opportunity, and when opportunity comes, you’ve got to recognise it is a chance to do ‘different’ and go for it.”

Rod has spent his life around people who talk about what could have happened to them if they’d done this or that. I sense that it’s a perspective that irritates him. It’s clear he is both a man of his word and of action. He took the opportunities that came his way, even

But there’s something telling in what keeps him engaged. These aren’t the worries of someone trying to prove himself anymore. These are the concerns of someone trying to give back, to create the opportunities for others that he was denied.

THE FIGHT THAT STILL FIRES HIM

Perhaps the most striking thing about my conversation with Sir Rod is that the 11-plus system, the one that categorised him as not good enough 60 years ago, still exists. About 65 grammar schools in England still use this selective system. “It’s crazy that it continues to be used as a benchmark that can literally make or break a young person’s future.”

The anger in his voice isn’t the raw fury of that 11-year-old boy anymore. It’s

Passionate that every young person can benefit from developing an entrepreneurial mindset, alongside their education, Sir Rod has created a family of 12 schools and colleges, which are operated through a multi-academy trust. One of the schools is the very school he went to in Portslade as an 11-year-old! Through his work with academies, including his connection back to Benfield School where his story began, Rod is creating the opportunities the system denied him. It’s a circle completed, but one that reveals the work is far from finished.

THE STORIES WE CARRY FORWARD

Near the end of our conversation, Rod reflects on the importance of documenting lives and experiences. His mother lived to 101. He speaks of her with fondness that at the same time feels heavy. “When you actually think about what that

Falmer High School)

The Portslade Aldridge Community Academy (formerly Portslade Community College)

means and all she lived through and witnessed, she was remarkable in many ways.”

And perhaps that heaviness is partially down to one of his greatest regrets - not recording his mother’s 100th birthday party. “For somebody who prepares, I failed her and I berate myself every time I think of that day.”

I get the sense that Sir Rod is his harshest critic. But it also reveals something central. His story is not a simple ragsto-riches arc. It’s layered, full of conflict but also full of triumph. It’s the story of a boy who was told he wasn’t good enough. A boy who found his worth on a dance floor. A boy who channelled anger into ambition. A boy whose fear of failure became the engine behind extraordinary success.

❛❛ His story is not a simple rags-to-riches arc. It’s layered, full of conflict but also full of triumph. ❜❜

That same instinct to repair what once hurt him is now written into the work he dedicates himself to. In 2006 he founded the Aldridge Foundation, built on a belief he holds with conviction; where you come from should not dictate where you are going.

The charity partners with schools and academies to support young people from disadvantaged backgrounds, helping them build confidence, skills and the mindset to shape their own future. Through coaching sporting excellence, creative art pathways, enterprise programmes, and the Next Steps track for life beyond school, it offers the kind of opportunities the old system never offered its founder. Its impact is lived, not theoretical and can be told through those who have experienced it.

Samarah, who is currently a PPE student at the University of Oxford, joined

Sir Rod was awarded ‘Outstanding Brightonian’ at the Brighton & Hove Business Awards 2025 in September this year. Here, he is making his acceptance speech, while (previous spread), Brighton i360 owner, Sarah Willingham, presents him with the award

the Foundation’s internship programme and spent her summer at BIE Executive in London. Nervous and unsure whether she belonged in a corporate environment, the Foundation helped her to build her confidence and communication skills. By the time her placement ended, her supervisors praised her professionalism and growth.

She left not just with experience, but with belief. “I would like to say a big thank you to BIE for the amazing opportunity to join their team. It has truly been an inspiring and educating experience in which I have left feeling so much more confident about pursuing my professional goals.”

And there is Johansel, now studying Chemistry at the University of Glasgow while completing a placement year at GSK. Before joining the Next Steps programme, the jump from school to university felt overwhelming. Applications, interviews and expectations. The Foundation helped him articulate his strengths, prepare for interviews, manage deadlines and navigate pressure. A bursary meant he could study without the weight of financial worry. He describes the programme simply. “The support, resources, and encouragement I’ve received have been a constant source of motivation, and I’m proud of how far I’ve come.”

These are not isolated stories. They are one of many thousands of young people who have been given the chance to imagine a brighter future. In many ways, they are the continuation of the story

❛❛ Standing in that same hall decades later, he can still feel the emotion bubbling inside of him. The hurt, the anger, but also the determination. ❜❜

that began in that hall at Benfield. The story of a child the system overlooked, now reshaping the system for others.

That 11-year-old boy not only went on to build one of Britain’s most profitable companies, but in 2012 received a

knighthood for his work with young people. Not bad for someone from a working-class background who left school with five O-levels. And yet, standing in that same hall decades later, he can still feel the emotion bubbling inside of him. The hurt, the anger, but also the determination.

And I find myself wondering whether, had Sir Rod passed the 11-plus, he would have become the man he is. Failure gave him grit and purpose. It carved empathy into him. He built an empire on what that system tried to deny him. And then he devoted the rest of his life to changing that system for others.

And as long as there are young people being told they’re not good enough, Sir Rod’s story will continue.

Sir Rod (front, centre) on an Aldridge Foundation trip to Nairobi, Kenya, 2023

By Nicola Brown, Partner & Head of Employment at Mayo Wynne Baxter

The Employment Rights Bill: What employers need to know

The Employment Rights Bill is due to come into force very soon, and it will have a huge impact on employment law.

At the time of writing, the Bill is in the final stages of the legislative process. It is in the “ping pong” phase, which means that it is going back and forth between the House of Commons and the House of Lords as they tussle over some proposed amendments.

However, as the Bill comes from a key Labour manifesto commitment, and as

potential to claim from their first day of employment.

Unfair dismissal rights were first introduced in 1971, and the qualifying period for unfair dismissal has fluctuated over the years since then. The longest period we have had is two years (as it is now), but the shortest period is six months (which was in 1974). Having no qualifying period at all will be a huge change.

❛❛ The Government’s intention is for the change to unfair dismissal to take effect some time in 2027. ❜❜

the Commons has the power to eventually prevail, it is only a matter of time before the Bill becomes law. It is still possible that some amendments may be made before we reach that point, but the fundamentals of the Bill are unlikely to change.

THE BIGGEST CHANGE: DAY ONE UNFAIR DISMISSAL RIGHTS

Currently, employees need at least two years’ continuous service (in most cases) before they can bring a claim for ordinary unfair dismissal. The Employment Rights Bill will abolish this qualifying period, giving employees the

Some employers are understandably concerned about what this will mean in terms of the risk of taking on a new person who doesn’t work out. To try to address this, the Bill will introduce an ‘initial period of employment’ (which seems similar to a probationary period) during which a lighter-touch process would apply and the threshold for unfair dismissal will be lower. There is no formal detail yet on how long this ‘initial period of employment’ will be, but many people are predicting that it will be nine months.

The Government’s intention is for the change to unfair dismissal to take effect some time in 2027. Although this may seem a long way off, it means that any business that employs a new starter now is potentially already affected, because the law will change before the new person gets to two years’ service.

OTHER CHANGES

There are a variety of other issues dealt with in the Bill, with different dates when they will potentially come into force. Some of the key ones are listed below:

• Statutory Sick Pay will apply from day one, instead of the current three-day

unpaid waiting period, and the lower earnings limit will be removed. This is expected to come into force in April 2026.

• In terms of sexual harassment, the current law (since October 2024) requires employers to take “reasonable steps” to prevent sexual harassment. The Bill will expand this to “all reasonable steps”. It is expected that this will come in from October 2026.

• Where employers fail to follow the rules on collective consultation (such as where mass redundancies are being made), employees can claim a type of compensation called a protective award. The protective award is

❛❛ For the time being, the best thing to do is ensure that you keep up to date with the changes that are coming ❜❜

currently capped at 90 days’ gross pay per employee, but the Bill will double this to 180 days. This will take effect in April 2026.

• Changes to the rules on ‘fire and rehire’ will limit employers’ ability to make changes to employees’ contracts of employment (expected in October 2026).

• There are plans to make paternity and parental leave ‘day one’ rights in April 2026, and to increase protection against dismissal for women who are pregnant or on maternity leave (expected in 2027).

• A new right to bereavement leave is expected to be introduced in 2027,

with details still to be established.

• For workers who are on zero-hour contracts (or only have a low number of guaranteed hours), the Bill will give them the right to request a predictable working pattern after a specified period. It is expected that this change will take effect in 2027. The period for this hasn’t been specified yet, but it is thought that it will be 12 weeks.

WHAT SHOULD EMPLOYERS DO?

For the time being, the best thing to do is ensure that you keep up to date with the changes that are coming, so that you are forewarned about what will affect you and when. We will be continuing to update our clients and contacts via our website.

It is expected that the Bill will be passed before the end of 2025, which will mean we should soon have a clearer idea of timescales. Focus can then turn to the supporting regulations, which will contain a lot of the detail about how the new laws will work in practice.

Some people are recommending that employers undertake a review of their contracts and policies at this stage, particularly around things like probationary periods. This will almost certainly be required in due course, but in our view, it is best to wait until more detail is known.

Nicola is Head of the Employment Department for Mayo Wynne Baxter

Nicola Brown Partner and Head of Employment nbrown@mayowynnebaxter.co.uk

Rewarding Innovation. Inspiring Growth.

Business insurance 101

What you need from day one - and how cover should evolve as you grow

When you start a business, everyone suddenly has an opinion. One person tells you what software you must buy, another swears you need a certain accountant, and someone else inevitably tries to sell you a service you’ve never heard of. It can be overwhelming.

It can be difficult to know what you actually need to have, and this also includes what kinds of insurance cover are required.

At base Insurance, we work with ambitious companies across the South East, and we’ve learnt that the biggest business risks can often sneak in when cover is missing, misunderstood or outdated.

I have created a clear, stage-by-stage guide on what insurance you absolutely need when you launch, and how your protection should evolve as your business grows.

DAY ONE: THE NON-NEGOTIABLES

When you begin trading, you’re exposing yourself to risk, and you need protection.

Public Liability is the first essential for almost every business. It covers you

if someone is injured or their property is damaged because of your work. A single claim here can be catastrophic without cover.

If you’re giving advice or providing a professional service, Professional Indemnity should sit right beside it. It protects you against claims of mistakes, bad advice or financial loss caused to a client.

And if you employ even one person, Employers’ Liability is a legal requirement. It’s the bedrock that keeps you compliant and protected.

MONTHS SIX TO EIGHTEEN: SAFEGUARDING WHAT YOU’RE BUILDING

Once you’ve started gaining momentum, your risks evolve. You have most likely invested in equipment, tech, tools or a workspace, and that means Property, Contents & Equipment insurance becomes vital. If fire, theft or water damage strikes, this cover ensures you’re not starting from zero.

If your business relies on being operational every day, consider Business Interruption cover. Too many business owners assume if something happens,

❛❛ It can be difficult to know what you actually need to have, and this also includes what kinds of insurance cover are required. ❜❜

they’ll just “open again tomorrow”. If you’re unable to trade, you lose income. This is where entrepreneurs often get

caught out, discovering too late that enthusiasm alone can’t reopen the business.

Even small businesses hold data, take payments or send emails. Cyber-risk is real. Begin with a solid base with Cyber (Entry-Level) and build from there.

into the growth phase. With that come larger teams, more clients, a higher profile, and more exposure.

your reputation is now vital.

If you’re attending events, running workshops, or hiring venues, Event/ Project Liability cover keeps you protected for outward-facing activity.

❛❛ You’re not just building a business. You’re creating something brilliant. Let’s make sure it’s protected along the way. ❜❜

YEAR TWO AND BEYOND: PROTECTING GROWTH, PEOPLE AND PARTNERSHIPS

As your business scales, so do the risks. You’re past the ‘start-up’ label and

Upgrade to Cyber (Full Cover). One breach can take systems offline, erode trust and cost far more than immediate remediation. Protecting your data and

As ownership, leadership and decision-making grow, so does personal exposure. Directors & Officers insurance shields directors and senior executives from claims relating to business decisions, regulations, HR and more.

IN SHORT…

Your business is moving fast. Its risks are changing every day. The right insurance isn’t one-size-fits-all. It is stage-appropriate, tailored and dynamic.

At base Insurance, we partner with businesses like yours across Sussex, helping you build with confidence, adapt with agility and protect with precision.

Because you’re not just building a business. You’re creating something brilliant. Let’s make sure it’s protected along the way.”

Daniel Stoner Founder / Managing Director of base Insurance Brokers.

01273 101380 daniel@baseinsurance.co.uk

By Paul Bates, Managing Director, Cleankill Pest Control

Harnessing the power of customer reviews

Customer reviews are one of the most valuable marketing tools available to any business – and they’re free. Whether you’re a pest control company like Cleankill, a retail outlet, or a professional services firm, what your customers say about you publicly can make or break your reputation.

When I first started in business, word of mouth was the cornerstone of growth. People trusted recommendations from friends and neighbours. Fast-forward to today, and that same principle applies – only now it’s digital and global. Online review platforms, such as Google, Trustpilot, and Checkatrade, have become the modern equivalent of

word-of-mouth marketing. A single positive review can significantly influence the decisions of countless potential customers.

At Cleankill, we make it a priority to encourage reviews after every job. Not

If something hasn’t gone perfectly, a review gives us the chance to learn, respond and put things right.

❛❛ If several clients highlight the courtesy and professionalism of our technicians, we know this is a strength to build on in our messaging. ❜❜

only does this provide valuable feedback for our team, but it also demonstrates transparency and accountability. If we’ve done a good job, we want our customers to tell the world.

It’s vital that businesses don’t just collect reviews – they use them. We feature our customer feedback prominently on our website and social media channels. Real testimonials from satisfied clients about real staff add authenticity to our marketing. When posting on social media, we often use a photo of the team member or members named in a testimonial, and our staff really appreciate the recognition. A potential customer who is uncertain about which pest control company to choose is far more likely to pick us when they read

consistent, genuine praise from others about our team.

Reviews also offer a powerful source of insight. For instance, if several clients highlight the courtesy and professionalism of our technicians, we know this is a strength to build on in our messaging. Equally, if there’s a pattern in areas where customers think we could improve, that becomes an actionable point for staff training.

opportunity. In an increasingly competitive marketplace, trust is everything. Customers want to see transparency and authenticity – and online reviews

So, if you’re not yet making full use of customer reviews, start today. Encourage them, read them, respond to them – and let your satisfied customers become your most persuasive marketing team.

❛❛ Businesses that ignore reviews or fail to engage with them are missing a huge opportunity ❜❜

Of course, managing reviews requires time and commitment. Every review –good or bad – deserves a response. Thank customers for their kind words and address any complaints quickly and constructively. Responding publicly to criticism shows that you are responsible, approachable and willing to improve. It turns what could be a negative comment into an opportunity to showcase your professionalism.

Businesses that ignore reviews or fail to engage with them are missing a huge

Award-winning Cleankill Pest Control specialises in providing commercial and residential pest control services across London, Surrey, Kent, Sussex, Hampshire, Bucks, Bristol and the rest of the country.

For further information, go to www.cleankill.co.uk or call 0800 056 5477

deliver that in abundance.

At Cleankill, we view customer feedback not just as a marketing tool, but as an integral part of our culture. It keeps us accountable, motivates our staff and helps us continually improve the service we deliver.

Paul Bates is the Managing Director of Cleankill Pest Control, an award-winning company providing ethical and effective pest management services. Cleankill is committed to sustainability, using environmentally responsible methods and maintaining ISO 9001 and ISO 14001 accreditations. Under Paul’s leadership, the company has grown steadily through a focus on customer service and staff development.

SKIING 2026

By Tess de Klerk

If you’ve left your ski break planning slightly late, as I have, your most important considerations may be: which resort can deliver both snow and a full season of skiing? Here I’ve created a clearer view of when slopes open and close, plus which destinations offer the best guarantee of good conditions.

Val d’Isère, Ischgl, Chamonix, Sölden and Livigno offer some of the strongest snow reliability in Europe. Their long seasons make them well-suited to both early winter trips and spring skiing, when the days are longer, and the terraces come alive.

❛❛ With so many European resorts now publishing clear season dates, choosing the right one becomes far easier. ❜❜

With the calendar laid out, certain patterns become clear. Resorts with either glacier skiing or high altitude tend to have the longest and most dependable seasons. Hintertux and Cervinia stand out immediately, both open throughout the year, while Saas Fee runs from late October to early May. These are ideal choices for anyone looking for maximum flexibility or planning a trip at the start or end of the season.

A number of major Alpine destinations open in late November and stay open into early May. Val Thorens, Tignes,

For families or mixed-ability groups, early December is a sweet spot. Resorts such as Alpe d’Huez, Courchevel, Selva Val Gardena, Arabba, Mayrhofen and many of the large French domains open during the first two weeks of December. This is when the slopes are usually quieter, the snow base is building nicely, and accommodation availability is still good. These resorts offer broad, confidence-building terrain, good ski school provision, and lively villages.

Later openings, such as Les Gets and Morzine, are excellent for those who prefer traditional villages and relaxed terrain, though they tend to suit mid-winter dates best because their lower altitude means snow cover depends more on January and February temperatures.

Those seeking value might look to Bulgaria, where Bankso and Borovets deliver competitive pricing from mid-December. Meanwhile, Norway’s resorts, opening from late November, offer consistent conditions, quieter slopes and a very different feel to the Alps.

The range of opening and closing dates means you can tailor your destination to your priorities. If snow certainty is top of the list, the longest seasons speak for themselves. Those travelling with children benefi t from resorts opening from early December, while late-season skiers should favour resorts with high altitude or glacier access to ensure good conditions into April and May.

With so many European resorts now publishing clear season dates, choosing the right one becomes far easier. Match your trip to the rhythm of the mountains, and the season will reward you with exactly the kind of skiing holiday you are hoping for.

Major European ski resorts opening times and booking links over the page

TRAVEL

Resort

ANDORRA

Andorra La Vella

Canillo

Pas de la Casa

Soldeu

AUSTRIA

Hintertux

Ischgl

Kitzbühel

Lech

Mayrhofen

Obergurgl

St Anton

Seefeld

Solden

BULGARIA

Bankso

Borovets

FRANCE

Alpe D’Huez

Avoriaz

Chamonix

Courchevel

Flaine

La Plagne

La Tania

Les Gets

Les Menuires

Méribel

Morzine

Tignes

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DAVOS, SWITZERLAND

MOTORING

Audi RS3 Sportback

By Maarten Hoffmann, Motoring Editor

I am a huge fan of the RS models from Audi, and my Car of the Year for the past three years has been the RS6 Avant, but I am always on standby to be disappointed – everytime there is a model change or an update.

This is the fourth generation since it was launched in 2011, and to prove its credibility, Audi took on the Nürburgring and the title of the fastest compact car to lap the Green Hell, as it is better known. The record was held by the BMW M2 - ‘was’ being the operative word as the record is now held by the RS3.

with a larger rear diffuser, and new daytime running lights. The 2.5-litre, 5-cylinder turbocharged engine is a total work of art and, married to the famous Audi Quattro system, offers 394bhp, a 0-62mph time of 3.8 seconds, and a

it to RS Individual, then rip the others off and chuck them out of the window. It allows you to fine-tune the steering, engine and suspension.

❛❛ It is furiously fast and planted on the road like Gorilla glue has been used. ❜❜

The new model is not as ‘boy racer’ as previous models; therefore, it looks a tad more sedate, but it still has a great rear spoiler, new front and rear bumpers

top speed of 174mph. It is furiously fast and planted on the road like Gorilla glue has been used.

The red steering wheel buttons offer various drive modes: Auto, Comfort, Dynamic, Efficiency, RS Individual, RS Performance and RS Torque Rear (yes, it will drift). Complicated? Do as I do, set

The RS3 is very impressive in terms of performance, and it becomes highly impressive when driven on windy B-roads, as it absolutely glues itself to the road; the lack of body roll is really impressive. You need your head on straight as it encourages the drive to push it, and many drivers are just not good enough to do that, and the local hedge awaits you. But really, you have to be an idiot to lose this car as it is so well planted to the tarmac.

With all of this going on, you might expect a poor ride, but that is not what you receive unless it is a really bad surface. This is easily a daily driver and, with a few knob changes, a daily supercar. I

covered 650 miles during the week, including motorways, A-roads, B-roads and the odd cart track and at no point was it unsettled, at no point did it feel that l had reached the end of its ability, and at no point could l think of a car l would rather be in (barring the RS6 Avant, of course).

Then there’s the torque splitter - bear with me as this is the tech bit. The torque splitter is essentially what it says on the can - it uses a separate clutch on each side of the rear driveshaft to allow it to throw 100% of the available torque to whichever wheel the system desires.

Stopping is fairly important, and my car came with the optional £4,590 ceramic brakes. The only problem with stopping is the red mark left across your chest as it hauls to a stop, as if someone just threw an anchor out the window.

The interior is not much changed. Why would you when it’s already well paid out? The quilted Nappa leather seats

not. You are then left confused as to why things have gone silent, meaning you then need to slow down to take your eyes off the road to sort it out.

The fantastic Virtual Cockpit is as brilliant as usual, with SatNav on the screen; you can select it on the dash and the head-up display. If you ever get lost, you really are a twit. The 12.2” screen works well and connects to Apple CarPlay/Android with ease.

❛❛ This is easily a daily driver and, with a few knob changes, a daily supercar. ❜❜

When you’re going fast, the splitter electronically messages the drive to throw a bit more torque to the loaded outer rear wheel to kill understeer and make the car feel more agile. Plus, with the facelift, it now simultaneously brakes the inside wheel to help you turn in even quicker. Once you’ve turned in (and if you’re in the right mode), you can pretty much bury the throttle at any point, and it’ll hook up and fire you out of the corner.

grip well, the layout is intuitive, and there’s enough space for all the gubbins we all carry around with us. My niggle is with the gear selector. It’s a switch that you slide up or down to select forward and reverse, but when trying to perform a fast three-point turn, it’s a bugger to get it right, and a few times I found myself revving it like hell before realising it was not in the gear I wanted.

I only have a week with each car, so no doubt if you drove it every day, it would be fine. Also, changing the sound volume on the steering wheel means you hit the mute button more often than

In summary, this is a brilliant piece of machinery that just makes you smile all day – your Mum could drive it, but flick a few buttons and Lewis Hamilton would be ecstatic.

TECH STUFF

Model tested: RS3 Sportback Carbon Vorsprung S tronic Power: 394bhp

Speed: 0-62 - 3.8 secs

Top: 174mph

Economy: 30.2 mpg combined

Price from: £76,495

As tested: £82,380

Now available to test drive at smart of Epsom.

Sometimes a trip is about the journey, sometimes the destination. Who you’re bringing, what you’re packing, where you’re headed: every day is different. So you need a car as flexible as you are.

With a maximum range of 273 miles for the #1 (WLTP)* and 283 miles for the #3 (WLTP)** and with a less-than-30-minute charging time^, you’ll always be quickly and confidently on your way back home, or off to your next adventure.

THE BUSINESS MAGAZINE FOR WOMEN

REVIEW:

The all-new L.Raphael Spa

Future Female Leaders event

Content creators tax implications

Late stage entrepreneurs

THE

BIG STORY

The launch of The City Girl Awards

DYNAMIC COLUMNISTS

Alex Bailey

Courage to be ‘boring’ Pippa Moyle

Winding down for Christmas

Natalie Montagnani Imposter syndrome: the mask you wear

SANAE TAKAICHI

JAPAN’S FIRST FEMALE PRIME MINISTER

News

6 Upfront: The top international news stories involving women in business

14 In the Right Direction: Good news stories from around the world

Finance

8 Kreston Reeves

The hidden price of going viral: Tax implications for content creators

Regulars

12 The Alex Bailey Column

Courage to be ‘boring’. Taking a disciplined approach reaps its rewards

16 The City Girl Column

Winding down for Christmas: How to avoid ‘Twixmas Stress’

22 The Natalie Montagnani Column

The mask you wear: why so many women still feel like imposters

Features

4 Dynamic Awards 2026

Offering you a unique sponsorship opportunity

10 Help To Grow

The new courses start in January, and Dynamic is offering spaces

PLATINUM MEDIA GROUP

THE BIG STORY

SANAE TAKAICHI

Dynamic chronicles the rise of a petrolhead, martial arts expert and career politician who has risen to become Japan’s first female Prime Minister

34 Spotlight

Focusing on Lissie Squires and Jenny Rayner – two women who deserve more recognition than they current receive

36 The risk advantage

How increasing your tolerance of risk can dramatically boost your success

38 Late-stage start-ups

Entrepreneurship offers women empowerment in late-stage careers

40 Facing the pressure and ﬁnding progress

A detailed report into ongoing resilience in female businesses

48 Christmas gifts

Ideas to awaken the adventurous spirit in anyone

Events

18 Future Female Leaders

Highlights from a packed event on the Brighton i360

30 Brighton Girl Launch Night

Pippa Moyle of the City Girl Network hosted this call-to-action for Brighton’s female business sector

32 Dynamic Awards 2026

Back for their fifth year, the premier awards for women in business is open for entries

Take chances, make mistakes. That’s how you grow. Pain nourishes your courage. You have to fail in order to practice being brave.”

– Mary Tyler Moore

Wellbeing

44 Personal health

Creating the right health board for your wellbeing

Art

46 Art

‘Wet Landscapes and Black Butter’ – Kellie Miller on the works of Barbara Burns

EDITOR’S NOTE

Welcome to Dynamic’s final issue of the year in which we bring together many of the themes we have been exploring throughout 202 – women stepping into leadership, building businesses on their own terms and navigating the realities that sit behind the headlines.

Our Big Story focuses on Sanae Takaichi, Japan’s first female Prime Minister. Her appointment is a milestone for representation and a useful lens on how politics, power and progress intersect for women across the world.

Our regular columnists pick up threads that feel particularly relevant at this point in the year. Alex Bailey looks at the value of steady, consistent leadership rather than constant reinvention. Pippa Moyle offers practical thoughts on winding down for Christmas without carrying unnecessary pressure into the break and Natalie Montagnani explores the masks many women feel they need to wear at work.

We also examine the rise of late-stage entrepreneurship and why more women are choosing to start businesses later in their careers, along with the tax implications facing content creators as their work grows. Our Future Female Leaders event at the Brighton i360 features too, highlighting the appetite for connection, learning and support among women in business.

Alongside this, our regular features bring you wellbeing advice, events across Sussex and Surrey and much more.

I hope this issue gives you a few useful ideas, some recognition of your own experience and a moment of calm before the new year begins.

Wishing you a warm and wonderful December.

Editor, Dynamic Magazine tess@platinummediagroup.co.uk

CONTACTS

PUBLISHER: Maarten Hoffmann maarten@platinummediagroup.co.uk

EDITOR: Tess de Klerk tess@platinummediagroup.co.uk

MOTORING EDITOR: Fiona Shafer fionaas@platinummediagroup.co.uk

COMMERCIAL DIRECTOR: Lesley Alcock lesley@platinummediagroup.co.uk

EVENTS DIRECTOR: Fiona Graves fiona@platinummediagroup.co.uk

HEAD OF DESIGN / SUB EDITOR: Alan Wares alan@platinummediagroup.co.uk

BE PART OF THE SUCCESS A unique sponsorship opportunity

Now in their fifth year, The Dynamic Awards are designed to recognise and reward women for their hard work and huge contribution to the South East business community. Following the overwhelming success of this event in 2025, and a high demand from businesswomen across the South East, the 2026 Dynamic Awards will welcome entries from Sussex, Surrey, Hampshire and Kent.

Winning a Dynamic Award has rapidly become the most sought-after accolade in the region. Sponsoring an award offers a fantastic opportunity to position your brand alongside a prestigious, high-profi le event with comprehensive marketing support, whilst demonstrating your commitment to this highly influential demographic.

The awards offer up to six months of intensive marketing including significant support from Platinum Business Magazine, the largest circulation business magazine in the UK, Surrey Business Magazine, the county’s largest circulation magazine, and Dynamic Magazine, the UK’s leading business women’s publication, reaching over 720,000 business readers each month. The intense social media campaign will spread the word to a national audience.

Each sponsoring company puts forward the judge for their category, offering the opportunity to network with key influencers whilst enforcing your organisation’s support for this all-important demographic, and assisting in levelling-up the UK business community.

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As Platinum own and publish all the business media across the South East, such benefits are a well proven method

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POLICE NEED TO ‘DO MORE ABOUT SEXUAL VIOLENCE’

Urgent action is needed to prevent violent, sexual attacks against women and girls, a report has found after the rape and murder of Sarah Everard by serving Met police officer Wayne Couzens in 2021. The latest stage of the Angiolini Inquiry found more than a quarter of police forces in England and Wales had not made basic changes for investigating sexual offences.

Lady Elish Angiolini KC (right), chair of the inquiry, said: “This has to start with prevention. In reality, I have found the response overall lacks what is afforded to other highpriority crimes, where funding and preventative activity are the norm.”

AUSTRALIA STANDS FIRM ON ONLINE CHILD PROTECTION

Australia’s Communications Minister Anika Wells has said she is not intimidated by technology companies who oppose the country’s “world-leading” social media ban and is ready if Washington weighs in. From December 10th, ten major social media firms will have to take “reasonable steps” to prevent children from having accounts on their platforms.

“We stand firm on the side of parents and not on the platforms,” Wells said. Companies, including Meta, have said they agree more is needed to keep young people safe online, but don’t think a ban is the answer.

STARLING TEAMS UP WITH SMALL BUSINESS BRITAIN

Starling Bank has teamed up with Small Business Britain to launch a campaign to empower women across the UK to start and grow their businesses. Launching in early 2026, the new partnership will feature a free training programme – ‘Female Founder

Fundamentals: the definitive guide to starting and growing your business’ –comprising online masterclasses and peer-learning opportunities focused on building confidence, growth and financial skills. It will also support mental resilience, following joint research that

found 60% of female founders struggle to switch off from work. The partnership kicked off with a networking event at Emirates Stadium in North London, with over 150 female entrepreneurs coming together to celebrate women’s achievements in business and sport.

UPFRONT

THE

FUNDING AVAILABLE FOR INNOVATIVE WOMEN IN BUSINESS

Innovate UK has launched its Women in Innovation Awards for 2025-26, offering up to 60 awardees a grant of up to £75,000. The awards are aimed at female founders of late-stage start-ups with a minimum viable product, early user interest or revenue, a growing team, and plans to raise significant capital within 12 to 24 months.

Liz Kendall, science secretary, said: “The Women in Innovation Awards are unlocking the UK’s untapped potential within our community of women innovators; if men and women started and scaled businesses at the same rate this could be worth as much as £250 billion for the UK economy.”

FROM AROUND THE WORLD

WOMEN LEADERS UK CELEBRATES TEN YEARS OF EMPOWERMENT

Women Leaders UK is marking a decade of celebrating and empowering inspirational women and is now inviting new trustees to help steer its future.

Founded in 2015 by Jan Flawn CBE, the volunteer-led charity has grown into a network offering mentoring, allyship, and partnership programmes that promote gender equality and inclusion across sectors where women remain underrepresented.

As the charity embarks on its next phase, it is seeking expressions of interest from individuals keen to join its Board of Trustees. Chair Dr Julie Mills OBE DL said: “Our

first ten years have been about recognition and inspiration. This is a wonderful opportunity for people who share our passion to help shape what comes next.”

SUSSEX ENTREPRENEUR COLLECTS NATIONAL AWARD

Haywards Heath business owner

Lauren Brown, Founder of Busy Brains Activity Packs, has been announced as a winner in the Female Business Awards, a UK-wide initiative celebrating female-led small businesses.

The gala was held at the Victoria & Albert Marriott Hotel in Manchester in November. The Awards recognise the successes and achievements of female-led small businesses across the UK, with over 800 nominations across

16 categories this year. Busy Brains Activity Packs was confirmed as the winner in the Best Product category.

Hazel Woodward, co-founder of the Female Business Awards, said: “Finalists demonstrated exceptional standards of service, client satisfaction, and business impact. To be confirmed as a winner highlights the positive inﬂuence Lauren is making within her industry.”

FRUSTRATION AT WOMEN’S STADIUM DELAY IN BRIGHTON

Brighton & Hove Albion owner Tony Bloom says a new designated stadium for their women’s team remains “vitally important” to the club and the city but he “can’t put a time on it”. The club hopes to build a new purpose-built stadium for the women’s team by 2027-28, having had proposals approved by the council in October 2023. The Seagulls currently host the majority of their WSL matches at Crawley Town’s Broadfield Stadium, with some games being played at the club’s main Amex Stadium. “We are really committed to bringing the women’s team back to Brighton fulltime with the stadium,” Bloom told BBC Radio Sussex.

‘MORE FEMALE PILOTS NEEDED’

In 2022, only 5% of pilots were women. To combat this, the International Air Transport Association launched its 25by2025 campaign in 2019, aiming to improve female representation in the industry by 25% or to a minimum of 25% by the end of 2025.

“Women remain underrepresented, with fewer than 20% holding positions in most aviation occupations, and only 5% are professional pilots, despite comprising nearly half of the US workforce,” Perdomo Cuevas, a senior air transport executive, explains.

“The issue isn’t talent — it’s infrastructure. The conversation often stops at recruitment, but retention is just as critical. Many women leave because they don’t feel seen, heard or supported. It’s exhausting, and that’s why so many don’t make it to leadership.”

“I have learned over the years that when one’s mind is made up, this diminishes fear.”

- Rosa Parks

❛

“Be less curious about people and more curious about ideas.”

– Marie Curie

WOMEN STILL NOT RECEIVING FAIR INVESTMENT FUNDING

There is no field of endeavour in which women are not achieving, from tech to fashion to AI. And yet, the world of finance still does not back women entrepreneurs or support femaleled businesses, according to Kathy Harvey, Associate Dean for Global Networks and Innovation at Saïd Business School, University of Oxford, and a Fellow of Keble College.

Recent data from global financing experts at PitchBook showed that in 2023, just 2.1% of venture capital went to women. That was not an unusual year.

Since 2008, European businesses led by men and women have received ten times as much funding as businesses led solely by women. Harvey puts much of this down to business finance’s outdated view of women.

HALF OF WOMEN FEEL

UNSAFE AT WORK CHRISTMAS PARTIES

A startling 49% of women have said they would stay in and miss festive celebrations due to worries over their safety while travelling home from work parties.

In a poll of 2,000 people conducted by personal safety app WalkSafe, a fifth of women said they had experienced harassment on their way to and from work. As part of the study, it was found that 46%of women were concerned about drinking alcohol at work events and a third feared for their wellbeing during Christmas shopping trips.

Emma Kay, WalkSafe’s founder, said: “Christmas and the party season that traditionally comes with it should be a time to be enjoyed, catch up with colleagues and friends and celebrate the year.

CBy

Hayley Cleaver,

Accounts

Senior Manager, Kreston Reeves

By Alison Jones, Partner, Kreston Reeves

ontent creators can very quickly see their content and earnings soar, and with it, interest from the tax authorities. It pays to have an experienced tax adviser by your side.

Not all social media content creators realise that as soon as earnings hit £1,000 a year, HMRC will want its slice. And as earnings increase, so does the tax exposure. In fact, in January 2023, HMRC ran a campaign specifically for content creators to nudge them to declare their income.

For those starting their content creation careers, when income hits £1,000 or more, they must register and file a self-assessment tax return. Tax returns are usually due on January 31st every year, along with any tax due. From April 6th 2026, they will have to comply with Making Tax Digital (often referred to as MTD), including quarterly reporting (though there are exemptions). HMRC charge penalties for not reporting.

This means that if your content is generating income in 2024 and 2025, you will need to start thinking about your tax return in the next few weeks.

But what is taxable income? It’s not always straightforward. If content creators are paid to post on any social media platform, have entered into brand deals, or their posts generate ad revenue, then HMRC will consider that taxable income. This bit is straightforward, but other areas of earnings are more difficult to work out the tax treatment on.

MISUNDERSTOOD AREAS OF TAX

Brand or product deals that do not involve cash may also be considered taxable income, but it is more complex. HMRC will want to know if you are trading or non-trading, and any agreement that accompanies that deal. Bluntly, a gift is not, in the eyes of the taxman, necessarily a gift.

THE HIDDEN

The tax implications

Gifting may, in some cases, be considered a payment valued at the money’s worth — particularly where a service, such as posting content in return, is implied or expected. This expectation can arise through formal agreements or informal understandings. However, this is a thorny area, and expert advice is essential to ensure compliance with tax regulations.

“If your content is generating income in 2024 and 2025, you will need to start thinking about your tax return in the next few weeks.”

As your business grows, content creators may need to decide how that business is structured. There are advantages and disadvantages to remaining a sole trader or becoming a limited company. And if income approaches £90,000 in any one year, VAT is likely to become an issue.

BUSINESS EXPENSES

There is, however, some encouraging news. HMRC will allow you to offset some of the expenses of creating content against that income, reducing the tax that might be due.

“just as content creators are quick to adopt new technology, especially AI, to help better support them, so too are the tax authorities”

PRICE OF GOING VIRAL

implications for content creators

Typically, the cost of a camera, lighting and audio, editing software and apps, business travel and even personal marketing costs – together with your accountant’s fees – will reduce tax liabilities. But it is complicated, and HMRC will need to see clear evidence of record-keeping.

GROWING PAINS

As a content creation business grows, perhaps with income being generated from sources around the world, so too does the tax landscape. Income generated from customers outside the UK may trigger VAT or income tax liabilities outside of the UK as well as in the UK.

And just as content creators are quick to adopt new technology, especially AI, to help better support them, so too are the tax authorities. HMRC uses clever AI-powered technology to search across multiple sources, with content platforms required to share revenue-generation data. It has content creators in its sights.

When income is not always predictable or straightforward,

it pays to have experienced and specialist tax advisers to hand. With us at your side, content creators are left to do what they do best – create compelling content.

Please note: is article was written prior to the Autumn Budget announcement on November 26th. Subsequent changes introduced in the Budget may a ect the information and guidance provided.

Get in touch with Hayley or Alison today if you are a content creator and need help with your fi nances:

Call: +44 (0)33 0124 1399

Email Hayley: hayleycleaver@krestonreeves.com

Email: Alison: alisonjones@krestonreeves.com Visit: www.krestonreeves.com

AAlex Bailey Column

We are delighted to have Co-Founder, with 20+ years organisational change. delivering impactful programmes

COURAGE TO

By Alex Bailey

s a leader who thrives on the stage, I know the rush of new ideas, catalyst moments and high-energy events. Those moments energise teams, open doors and make an impact, and I still seek them. Yet business stability rarely springs from a handful of charismatic performances.

Sustainable results come from sustained, repetitive practice: the small, measurable actions that anchor excitement in the everyday work of running an organisation. Choosing to invest in those unglamorous habits, again and again, is an essential form of courage. The everyday, ‘boring’ work matters because it builds credibility. When leaders repeat the basics with discipline, they create predictable systems that produce repeatable outcomes. People start to rely on that

predictability. Regular cadences: weekly priorities, monthly reviews, quarterly strategy check-ins and steady one-to-one conversations, they all reduce the anxiety that uncertainty breeds.

They create a rhythm that the organisation can move to when new problems arise, and that rhythm compounds. Small choices made consistently, from following up after a meeting to keeping a public tracker of progress, become the ingredients of larger successes. The shiny, attention-grabbing moments generate headlines; the repetitive, maintenance work converts those moments into momentum.

In practical terms, being willing to be boring looks like a simple pattern: say what you will do, do it, and then report

“Sustainable results come from sustained, repetitive practice”

have Alex Bailey contributing to Dynamic. She is a Global CEO and years of expertise in HR leadership, psychology, coaching, and She specialises in cultural evolution, leadership,and performance, programmes globally while speaking at international events.

TO BE ‘BORING’

what you did. That three-step loop closes the gap between words and action and is one of the clearest signals of reliability a leader can send. It means building predictable rituals that translate strategy into day-to-day behaviour, not as a bureaucratic end in themselves, but as mechanisms that remove friction and make good work habitual.

It means returning to maintenance tasks: documenting decisions, clarifying ownership, closing outstanding actions and keeping the machine oiled so the organisation doesn’t stall when pressure comes.

Part of this practice is investing in low-glamour connections. A large social media presence is rarely the product of a single viral post; it’s an accumulation of small gestures over time; a message sent on the commute, a short note after a call, a timely introduction, a one-line appreciation.

away from the perpetual hunt for influence and into a disciplined routine can feel like recovery: a way to re-energise, re-focus and rebuild clarity. The daily grind offers time to listen, to test incremental improvements and to notice things that slip under the radar during big launches.

It’s where coaching happens, where development is nurtured and where culture is reinforced through repetition. For leaders committed to helping others step into voice and authority, giving power to the everyday work is just as important for sustained business success.

“Being boring sometimes is not a retreat; it is a disciplined, strategic choice to build reliability, deepen trust and win over time”

Those actions feel minor in isolation, but they shape perception and build social capital. I built much of my network not from theatrical moments but from incremental outreach in spare minutes: while waiting for a train, between meetings or on the margins of other work. Those tiny habits add up to a durable platform of relationships and trust.

Opting for the mundane is courageous because it runs counter to common incentives. The business world amplifies novelty and exhibition; attention often rewards the flashy. Choosing repetition over applause demands restraint for some, a long view and a humility that benefits system health over individual spotlight.

That choice is visible to teams and powerful in its effects: when leaders consistently show up for the small things, they model the standards they expect. People follow example more readily than instruction; steady leaders create steady teams. The steadiness and cadence that flow from repetition reduce the emotional load of uncertainty, enabling people to focus and perform when surprises appear.

There is also a restorative logic to being boring. Stepping

If you recognise you’re a leader who’s often tempted by the influence opportunity, maybe try choosing just one ritual to protect for a quarter: a priority setting hour or a monthly review. Block time for it in advance and make it fixed, no matter what urgent and important demand comes in. Communicate why you are focusing on routine, so your team know you are being deliberate. Measure the small wins and watch them compound over time.

I still love the microphone, the camera and the opportunity to influence. Lately, I’ve been intentional about stepping back into other work: sustaining routine reviews, revisiting the same activity check-ins, and doing the small admin that keeps momentum alive.

Those ‘boring’ hours have become recovery, investment and strategy all at once. Being boring sometimes is not a retreat; it is a disciplined, strategic choice to build reliability, deepen trust and win over time.

Alex Bailey styled by Gresham Blake Email: Alex@baileyandfrench.com www.baileyandfrench.com Insta @alexbaileybackstage Follow me on LinkedIn: www.linkedin.com/in/ alex-bailey-26562b2/

MORE WOMEN WORLDWIDE NOW HAVE BANK ACCOUNTS

New figures from the World Bank show a sharp rise in women holding bank accounts, particularly in low and middle income countries. A decade ago, only half of women in these regions had an account. That figure has climbed to 73 per cent. Despite this progress, an

estimated 700 million women still remain unbanked. The most common reasons include not having enough money to open an account and the cost of financial services. Even so, the World Bank described the overall trend as a strong and hopeful shift.

IN THE RIGHT DIRECTION

US SUPREME COURT UPHOLDS EQUAL MARRIAGE RIGHTS

The US Supreme Court has refused an appeal that sought to overturn the 2015 ruling, which legalised same sex marriage nationwide. The case was brought by Kim Davis, a former Kentucky clerk who declined to issue marriage licences to same sex couples and was later sued.

LGBTQ+ groups welcomed the court’s decision and said it reaffirmed the rights of couples across the country. The ruling arrives three years after a separate decision rolling back abortion rights, which had sparked concern over the future of other civil liberties.

UK OUTLINES PLAN TO REDUCE ANIMAL TESTING

The UK government has announced a programme to phase out certain forms of animal testing by the end of 2025. It also aims to reduce the use of dogs and primates in medical research by more than a third before 2030. Officials plan to support new technologies such as organ-on-a-chip models that replicate human biological processes. Campaigners say recent scientific advances mean many experiments can now be carried out without using animals. They believe the strategy marks a major step toward more ethical research.

CALIFORNIA LAW STRENGTHENS ONLINE PRIVACY

California has approved a new law that gives residents more control over their personal data. The California Opt Me Out Act will require web browsers to include a prominent option that allows users to opt out of having their information sold or shared. Privacy groups have called the measure an important step forward. They say it will make opting out simpler by removing the need to adjust settings on individual websites. The law, which comes into force in 2027, could serve as a model for other regions seeking stronger digital protections.

“The most courageous act is still to think for yourself. Aloud.”

- Coco Chanel

EU TO INTRODUCE CLIMATE LEARNING IN SCHOOLS

Climate education will soon become part of the EU school curriculum, a move celebrated by campaigners. Officials say boosting climate literacy is essential for improving public understanding of environmental issues and preparing a future workforce with green skills. The organisation earthday.org, which

has long campaigned for climate education, welcomed the decision. The announcement brings the number of countries including climate learning in their national commitments to more than 150. Advocates say education is key to building resilience and driving long-term progress on climate action.

BANKS TO HELP HOMELESS PEOPLE OPEN ACCOUNTS

A new UK scheme will allow people experiencing homelessness to open bank accounts without a fixed address. Major banks, including Lloyds, NatWest, Barclays, Nationwide and Santander, will follow HSBC in removing the address requirement. The initiative aims to break a cycle that prevents people from securing housing without a bank account. It will also provide financial education and support for those rebuilding credit. Charities involved in the pilot say the plan will help people regain stability and give them a better chance of accessing secure accommodation and work.

CALLS GROW FOR FAIRER FOOTBALL TICKET PRICING

Football supporters have welcomed the FA’s decision to block dynamic pricing for tickets to the men’s 2028 Euros. Dynamic pricing pushes up prices in real time as demand rises. It was used during sales for the 2026 men’s World Cup, leading to widespread criticism. Consumer experts at Which? said the FA’s stance should spare fans from feeling pressured into paying more than they can

UK PLANS TO STOP LARGESCALE TICKET TOUTING

The UK government has announced plans to make the resale of concert tickets for profit illegal. Largescale touting has frustrated fans for years, with bots snapping up tickets before people can reach them. Tickets for this summer’s Oasis reunion shows were listed for more than £4,000

within minutes of going on sale for £200. Consumer group Which? welcomed the proposed changes and said they would help genuine fans. Some resale platforms have criticised the move, arguing it could push ticket sales into unregulated markets.

manage. The move has prompted further calls for an outright ban on dynamic pricing across major sporting events.

“It is past time for women to take their rightful place, side by side with men, in the rooms where the fates of peoples, where their children’s and grandchildren’s fates, are decided”

- Hilary Clinton

Pippa Moyle is the CEO and founder of the City Girl Network, a mission-driven business dedicated to empowering and supporting women across the UK. Since launching in March 2016, the network has built a vibrant community of over 150,000 women, facilitating new friendships, business connections, job opportunities, housing solutions, and valuable life advice.

Winding down

By Pippa Moyle

It’s that time of the year. Famously referred to as the “most magical”, yet best described as an additional project to manage. Office parties, Secret Santa, client’s gift-giving, Christmas networking and office decorating are sharing ‘top priority status’ with your company’s biggest clients and campaigns. Balance that with the increased demand of family life, an anxious economy and getting hit with the annual dose of winter flu, and we have ourselves one exhausted Dynamic Woman.

It’s completely understandable that many of us will be clawing our way to the fi nish line – part Christmas bauble, part Yule Log. There’s no hiding from the reality of what those last few working weeks of the year can bring. Nor will I throw any shade at those parties, secret Santa gift hunting or the little Christmas tree that will be sitting at my desk when you’re reading this.

“‘Work Christmas’ is a hugely positive tradition; it’s the ‘Twixmas Stress’ that we all need to avoid.”

down for Christmas

‘Work Christmas’ is a hugely positive tradition; it’s the ‘Twixmas Stress’ that we all need to avoid.

WHAT IS TWIXMAS STRESS?

Twixmas Stress refers to that time between Christmas and New Year when all the stuff you didn’t get done at work comes back to haunt you. And that haunting accumulates into the huge staff turnover in January.

The “I should have done” stick evolves into a hot rod of selfdoubt, sleepless nights and fear for the year ahead; made worse by the input of loving family and friends who hate to see you like that. We see the highest volume of “help, I think I hate my job” posts during Twixmas, and almost all of them are held up by the “should have done” stick.

When you strip away the anxieties of those reaching out for advice, regardless of industry or level of experience, it comes down to one common theme: they didn’t prepare to rest.

You’ll know from previous columns that I’m an advocate for rest and the seven different types: physical, mental, sensory, creative, emotional, social and spiritual (more on that in issue 50.) Not just lying on the sofa with picky bits and a Hallmark fi lm, but an authentic switch-off in every sense of the word.

Follow these fi ve steps:

1. Switch off your wifi, turn off your phone, and download all of the outstanding tasks of your projects from your brain onto paper

2. Decide on the “hard stop” for each of your projects. What needs to be done by Christmas?

3. Work backwards from that hard stop to highlight what needs to be done

4. Review whether or not you’re being realistic. How long will this take? Is it really what needs to be done? Is it possible to do?

5. Edit accordingly. Do it.

FROG EATING

“Eat that frog. Brian Tracy’s famously gross expression, referring to doing the biggest, hardest, and most important thing fi rst.”

I have three tips to help you get there: Inbox Zero, Project Planning and Frog Eating.

INBOX ZERO

There’s truly no better feeling than going into the weekend on Inbox Zero. “You have no new mail!” Ah, what a wonderful statement. Of course, there are some emails waiting in my “next week” folder, but I’ve made the decision to do that, rather than have my emails do it for me.

As Merlin Mann, originator of the Inbox Zero technique, shares so eloquently: it’s not about having the perfect inbox, it’s about making email work for you.

Personally, I follow the Graham Allcott and Th ink Productive method of Inbox Zero management, but however you get there, let it be by Christmas.

PROJECT PLANNING

If you’re going to take any action away from this article (and I really hope you do), it’s this: take out your diary and block out two hours for Project Planning. Make sure it’s the soonest time possible. The weeks will soon fly by.

Eat that frog. Brian Tracy’s famously gross expression, referring to doing the biggest, hardest, and most important thing fi rst. It’s a great lesson in productivity management that’s easy to ignore when you’re tired and overwhelmed. But that frog will ribbit its way into your precious time off and hop all around your brain if you don’t.

If you’d followed steps one and two, your frog is probably long gone. But if they’re leaping around your mind as you read this, write them down and get ready to cross them out with a big glittery pen.

There are only two types of frogs that are welcome in your rest time: one’s a Freddo, and the other is on a notebook gifted to you in your work’s secret Santa.

Pippa Moyle CEO + Founder citygirlnetwork.com

Our Communities: Brighton, London, Manchester, Bristol, Bath, Leeds, Edinburgh, Birmingham, Worthing, Liverpool, Newcastle, Chester, Milton Keynes, Oxford, York, Cardiff, Glasgow, Perth and Rural Sussex

Natalie Montagnani is the Founder of IGNITE and on a mission to empower women in business — from ambitious founders to current and emerging corporate leaders. With 25 years’ experience, from leading EMEA marketing campaigns to running her own agency for 18 years, she now helps women step into confident leadership, build powerful personal brands, and own the visibility, influence and commercial impact they deserve.

THE MASK YOU WEAR

Why so many brilliant women still feel like imposters

By Natalie Montagnani

As women, we are extraordinary mask-wearers, aren’t we? We have spent years perfecting the art of appearing composed, competent and in control, while quietly second-guessing ourselves beneath the surface.

We smile, nod and press on with the “I’m fine” routine even when we’re not. We breeze through meetings with the “Don’t worry, I’ve got this” expression, even while juggling ten priorities in our heads and mentally negotiating the logistics of life — school pick-ups, ageing relatives, team deadlines, the lot. And when you layer motherhood or menopause on top? No wonder so many women feel like they’re disappearing under the weight of it all.

We take on more, push harder, and pretend the overwhelm is manageable, despite knowing one extra task might just

tip us over the edge. And underneath it all is that universal whisper, “Any minute now, they’ll realise I don’t actually know what I’m doing.”

In the women I coach, this whisper shows up: a reluctance to apply for a promotion unless every box is ticked, hesitation to raise prices despite years of expertise, or a persistent fear of being found out, even when they’re delivering exceptional results.

Sheryl Sandberg, former COO of Facebook and author of Lean In, admitted that, despite her success, “Every time I didn’t embarrass myself — or even excelled — I believed I had fooled everyone yet again. One day soon, the jig would be up.”

This theme came up repeatedly at the Future Female Leaders event at the Brighton i360 last month. Liz Beck opened with: “Confidence doesn’t come when you’re ready — take action anyway.” I see this daily. Brilliant, capable

“Underneath it all is that universal whisper: ‘Any minute now, they’ll realise I don’t actually know what I’m doing.’”

women waiting for permission or validation before stepping into roles they’re already more than prepared for.

WHY THE MASK EXISTS IN THE FIRST PLACE

Most women weren’t raised to lead. We were rewarded for being pleasant, helpful, adaptable, easy. We were encouraged to take up only a ‘reasonable’ amount of space. We learned early that ambition could be misinterpreted, assertiveness judged, and success could make others uncomfortable.

Susannah Atherton, another speaker at the event, spoke about imposter syndrome, especially when you’re the only woman in the room, because when you feel like the exception, it becomes even harder to show up as your unfiltered self.

THE QUIET SIDE EFFECTS NOBODY TALKS ABOUT

The longer we wear the mask, the more it reshapes how we see ourselves. You start to question your judgement, share accomplishments with disclaimers, apologise before offering your opinion, downplay strengths others wish they had, and you overwork. Not because you need to, but because you believe you must prove something that was never in doubt. And then the cruellest twist: the mask becomes so convincing that you begin to believe you aren’t capable.

At the i360 event, Liz Beck reminded us that, “growth is rarely glamorous,” and the collective nodding in the room made one thing clear — even the most extraordinary women feel these moments deeply.

THE GOOD NEWS: IT COMES OFF

Despite how ingrained it feels, the mask is not permanent. It can be removed, gently, courageously, deliberately — and

“You

are not an imposter. You are a woman who has been conditioned to doubt herself — and yet you keep showing up, delivering, leading and growing anyway.”

the world does not collapse when you do. As soon as someone stops performing and starts showing up as themselves, opportunities expand, visibility increases, and confidence becomes accessible rather than aspirational.

Authenticity builds trust. It strengthens teams and cultures. It attracts the right clients. And, most importantly, it rebuilds self-trust, something every woman deserves to feel.

HOW TO SHOW UP AUTHENTICALLY

Despite how we’ve been conditioned, the women who rise the fastest are not the most polished; they are the most honest.

They say, “I don’t know yet, but I’ll find out,” or “This isn’t working, let’s rework it,” or “This is who I am and I’m finished apologising for it.” And as Sarah Willingham shared at the event, sometimes being underestimated becomes your superpower.

Taking off the mask doesn’t require a dramatic TV-style reveal (although that would be fun!). It starts with small, practical actions: speaking up when your instincts nudge you, telling the truth about your workload, stating your needs clearly, acknowledging your achievements without shrinking them, and rejecting the outdated belief that you must be superhuman to be taken seriously.

The moment a woman stops waiting to feel ready, everything shifts. And sometimes the bravest leadership decision you can make is to change the environment, the expectations, or even the clients you serve if authenticity feels impossible where you are.

You are not an imposter. You are a woman who has been conditioned to doubt herself — and yet you keep showing up, delivering, leading and growing anyway. That is strength. The mask is optional, the power underneath is undeniable, and it’s time for the real you to be seen, and I can’t wait to meet her!

Natalie Montagnani Founder of IGNITE Women in Business

07900 153503

ignitewomeninbusiness.com

Connect with Natalie on LinkedIn or drop her an email to natalie@ignitewomeninbusiness.com

THE BIG STORY SANAE TAKAICHI

Japan’s first female Prime Minister

Japan recently elected its first female Prime Minister. Sanae Takaichi is the President of the Liberal Democratic Party, a political organisation which, despite its name, is actually a conservative (with a large and small ‘c’), which has held power in Japan for much of the past 75 years.

Who is Sanae Takaichi, and what does she offer her country, domestically and internationally? By Alan Wares

Born in 1961 and raised in Nara Prefecture, Takaichi graduated from Kobe University and worked as an author, legislative aide, and broadcaster before beginning her political career. Takaichi graduated from Nara Prefectural Unebi High School. Despite qualifying for university, she did not attend, as her parents refused to cover the tuition fees if she left home or chose a private university because she was a woman.

Takaichi instead commuted six hours from her family home to attend Kobe University, supporting herself with part-time work. During her university years, she played the drums in a local band. In 1984, she graduated from Kobe with a bachelor’s degree in business administration, then enrolled in the Matsushita Institute of Government and Management. Elected as an independent to the House of Representatives (Japan’s lower house, or House of Commons equivalent) in the 1993 general election, she joined the Liberal Democratic Party (LDP) in 1996.

From 2022 to 2024, during Fumio Kishida’s premiership, she served as the Minister of State for Economic Security. Takaichi made her second run for the party leadership in the 2024 leadership election, where she came in first in the first round but narrowly lost in a runoff to her predecessor, Shigeru Ishiba.

She ran again in the 2025 leadership election for the third time and placed first in both rounds of voting, becoming the party’s first female president. Following the end of the LDP–Komeito coalition, Takaichi secured a coalition agreement with the Japan Innovation

+ABENOMICS

Shenzo Abe’s economic policy was also related to the rise of China as an economic and political power. Abe’s supporters drew explicit parallels between Abenomics and the Meiji era programme of fukoku kyōhei (enrich the country, strengthen the military). In addition to providing a stronger counterweight to China in the Asia-Pacific region, strengthening the Japanese economy is also intended to make Japan less reliant on the United States for defence.

Abe was assassinated, while serving as Prime Minister, in 2022.

Party and was elected prime minister by the National Diet on October 21st 2025. As the Prime Minister of Japan and President of the Liberal Democratic Party, she is the fi rst woman to hold either of these positions. A protégé of Prime Minister Shinzo Abe, she held various positions during Abe’s premiership (2012-2020), most notably as Minister for Internal Affairs and Communications.

Takaichi’s views have been described as conservative or ultraconservative. Her domestic policy includes support for proactive government spending and the continuation of so-called Abenomics.

She supports revising Article 9 of the Constitution of Japan, which renounces the use of military force, a pro-Taiwanese foreign policy (primarily aimed at upsetting China), and strengthening the US–Japan alliance.

Takaichi has cited former British Prime Minister Margaret Thatcher as a role model and a profoundly influential figure on her personal political beliefs. Like Thatcher, she is called ‘The Iron Lady’. The irony here is that this phrase, written initially by Soviet journalist Yuri Gavrilov in 1976, was intended as an insult. Whether to throw it back in his face, or as something lost in translation, Thatcher liked the sobriquet and was very happy to be called ‘The Iron Lady’.

“Takaichi has cited former UK Prime Minister Margaret Thatcher as a role model”

A member of the far-right movement Nippon Kaigi, she has been described as holding revisionist views of Japan’s conduct during World War II. While it is victors who often write history, Japan frequently violated international human rights conventions during World War II. It was a source of national embarrassment for millions in post-war Japan. It is also something which ultra-conservatives, instead of facing down their history, choose to rewrite, offering justification for Japan’s behaviour, while vilifying other (sometimes guilty) nations.

The LDP is a right-of-centre umbrella party which, unusually, should it ever exist in western Europe, carries a range of conservative and ultra-conservative views, from socalled moderates to what commentators here would call ‘the far-right’.

Taro Kono, another LDP minister and member of the House of Representatives, has said that Takaichi is “on the far right of the political spectrum within the LDP.” Takaichi has been

+ NATIONAL DIET

The National Diet is the Japanese parliament, consisting of a lower house, the House of Representatives, and an upper house, the House of Councillors.

Takaichi on a diplomatic mission with Chinese premier Xi Jinping on October 31st. They fell out the following day

October 24th: Takaichi at the Coalition of the Willing Online Summit on Ukraine at the Ministry of Foreign Aﬀairs

described as “far-right” by Deutsche Welle and the South China Morning Post, and various sources, including Time magazine, the Los Angeles Times, The New York Times, The Guardian, Politico, Foreign Policy and the Public Broadcasting Service (PBS), have described her as “ultraconservative”.

WHAT TO EXPECT IN POWER

Foreign

policy

At a time when many countries are cooling their relationship with the USA, Takaichi wants to forge a much closer relationship with them, even with the incumbent president in place. Donald Trump visited Japan recently, where he was presented with a putter formerly owned by former Prime Minister Shinzo Abe, a golf ball signed by Japanese professional golfer Hideki Matsuyama, and a gold-leaf golf ball. During their visit to the US Yokosuka Naval Base, aboard the USS George Washington (CVN-73), Takaichi vowed to bring the US–Japan alliance into a “golden age”, amid a “severe security environment”

China made an unusual move by not sending a congratulatory telegram on the day Takaichi assumed the post of Prime Minister. However, a few days later, on October 31st, a Japan-China summit meeting took place. There, the two nations agreed to promote a “mutually beneficial relationship based on common strategic interests.” However, Prime Minister Takaichi had previously held talks with Taiwan’s former Vice Premier Lin Hsin-i. On November 1st, China protested with Japan, and Japan counter-argued, leaving the relationship between the two countries as distant as ever.

A fervent Japanese nationalist, she has also upset both China and South Korea with multiple, controversial visits to Yasukuni Shrine. The shrine itself is a monument to 2.4m Japanese war dead, though among the list are over a thousand indicted and convicted war criminals, a dozen of whom were convicted of ‘Class War Crimes’ (the highest status in international war criminality). She made visits in April and August 2024, both times signing as minister of state.

Economy

yen slid in terms of its value. The Nikkei rose over 4% to hit a record high, and the index closed 4.75% higher to end the trading day, while the value of the yen lost 1.8% against the dollar.

During the fi rst press conference of her premiership on October 21st, Takaichi outlined her key priorities, including tackling rising inflation, and stated that she would work to implement the suspension of the provisional petrol tax rate.

“At a time when many countries are cooling their relationship with the USA, Takaichi wants to forge a much closer relationship with them”

Takaichi also announced her other plans, including a proposal for creating a backup capital region, overhauling Japan’s social security system, revising the constitution, and establishing a majority government to bring stability, while consulting with opposition parties on national policies and raising the national tax-free income threshold.

Upon her election as party president, it was already speculated that a Takaichi government would accommodate an interest rate increase by the Bank of Japan early in her possible tenure as prime minister. After her election, the Nikkei 225 share gauge surged past the 47,000 level for the fi rst time, and the

She stated that crisis management is part of her core agenda during her premiership and outlined her plans to increase collaboration between the public and private sectors in investing in economic, energy, and food security.

According to local reports, Takaichi is currently planning a ¥13.9 trillion ($92.19 billion) economic stimulus package as part of her fi rst economic initiative

Takaichi’s priorities for Japan’s foreign policy are for closer ties with the USA

“Takaichi practices judo, karate, and scuba diving. She is also quite a petrolhead...”

policies aimed at “responsible proactive fiscal policy”, which has three main pillars: namely, measures to counter inflation, investment in growth industries, and national security.

Other proposals include expanding local government grants for small and medium-sized businesses and making additional investments in technology, such as artificial intelligence and semiconductors.

Social issues

She has taken conservative positions on social issues, such as opposition to same-sex marriage, to the recognition of separate surnames for spouses, and to female succession to the Japanese throne.

Immigration

Unsurprisingly, Takaichi has been described as taking a “hard-line stance” on immigration. The New York Times stated that during her leadership campaign, “she seized on a wave of anti-immigrant sentiment.” Specifically, she has been described as wanting “tighter restrictions on immigration” and employing “anti-immigration rhetoric” during her campaign. During the campaign, she called for a “crackdown” on illegal migration. She emphasised that “foreigners must

strictly obey” Japanese law, stating that those who overstay their visa or abscond from justice should be treated as harshly as Japanese citizens.

PERSONALLY…

Takaichi married a fellow member of the House of Representatives, Taku Yamamoto, in 2004. She took his

Petrolhead Takaichi’s previously-owned Toyota has now become a popular museum attraction

Takaichi standing to take the applause of her fellow parliamentarians upon her accession to Prime Minister in the Japanese Diet

name legally, but has continued to use her maiden name in public office. They have no children together, but Takaichi adopted Yamamoto’s three children from a previous marriage. They divorced in July 2017, with Takaichi citing differing political views and aspirations as the reason for their separation. They remarried in December 2021 and have four grandchildren through her stepchildren.

Takaichi practices judo, karate, and scuba diving. She is also quite a petrolhead, having previously been a keen biker, and now owns a 1991 Toyota Supra A70 2.5GT Twin-Turbo Limited. During her early years in parliament, she used the car to commute to her workplace for over 20 years.

Takaichi’s Supra A70 served as a replacement for her Toyota Supra Celica XX. The car is currently on display in a local Toyota dealership museum in Nara. Takaichi is a heavy smoker and a known manga lover. She is a member of the Parliamentarians’ League for Japan’s Anime, Manga, and Games.

+CULTURAL MISOGYNY IN JAPAN

That Takaichi has made it to the top is all the more surprising and impressive, given the pervading traditional, conservative views across post-war Japan. A day after former Tokyo Olympics chief Yoshiro Mori made global headlines with his sexist comments, 23-year-old Momoko Nojo helped start a petition calling for action against him.

Mori, an 83-year-old former prime minister, had told a Japanese Olympic Committee meeting that women talked too much. When broadcasters and newspapers reported that he had handpicked another man in his 80s as his replacement, young women called for a transparent process, resulting in the appointment of Seiko Hashimoto – a much younger, female, former Olympics Minister – instead. It was a small victory for women, but one that by no means shifted the narrative on inherent gender bias.

The topic of gender equality continues to make headlines in Japan, for all the wrong reasons. A few days after Mori resigned, the ruling party made headlines again by announcing that, while it was willing to allow women to attend its all-male board meetings, they would not be permitted to speak.

These high-profile incidents come despite well-publicised policies aimed at promoting women’s representation in society, including an ambitious target announced in 2015 for women to hold 30% of leadership positions by 2020. The incidents coincide with a steady drop by Japan in global gender equality rankings; the World Economic Forum describes the country’s gender gap as “the largest among advanced economies”.

In 2025, the proportion of women in leadership or management roles in Japanese commerce stands at 11.1%. The same metric measures the UK at 35.3%.

One key factor is the persistence of traditional gender roles, which significantly reduces the pipeline of women into leadership positions.

“Historically, after World War Two, the combination of a hardworking husband who devotes his life to his company, and a stay-at-home mother, was encouraged,” explains Hiroki Komazaki, founder and CEO of Florence, a non-profit organisation which advocates for solutions that help working parents.

A 2020 government national survey showed that mothers still do 3.6 times more housework than fathers. Because of these norms – as well as hiring biases across Japanese businesses, together with the change-resistant working culture – many women stop working after having children, or opt for part-time or contract work that generally does not lead to promotions.

Whether Takaichi can do anything to improve these poor figures and even poorer attitudes, or even if she intends to, remains to be seen.

HONOURING THE WOMEN REDEFINING BUSINESS SUSSEX • SURREY • KENT • HAMPSHIRE

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In our exclusive Spotlight feature, we highlight women who are doing good things in their community. They’re not always seen but we think they should be.

SP OTLIGH T

Lissie Squires

Only this month, Lissie has traded in a career in law for styling. Here is the story of her life-changing lane change

After a rewarding career as a solicitor specialising in Wills, Trusts and Probate, Lissie Squires made a big change. She left behind the legal world, which she had spent more than half of her life pursuing, and embarked on a new journey towards her true passion in fashion and personal styling. In November 2025, Lissie launched her business: Senaya Styling.

The law lost its sheen for Lissie when she didn’t feel that she was spreading joy the way she wanted to. It was a matter of feeling less fulfilled and wanting more personal satisfaction in her career. It was a process and a journey that began in January 2025 for Lissie to find the right next steps for her.

Feeling a little lost and unsure, Lissie worked with a business coach who helped her discover that the most valuable aspect of her job was helping people and making a difference to someone’s life. When Lissie realised that this was what she longed for in her career, she felt the best way to marry it to her passion was to start a bespoke personal styling service.

Since she decided to follow her long-held passion and become a personal stylist, Lissie’s transition to her new career has felt surprisingly natural. At its heart, styling is not about trends or rules: it’s about people. It’s about recognising personality, celebrating individuality, and guiding someone towards choices that make them feel confident, authentic and comfortable in their own skin.

“Lissie learned that the best service begins with truly seeing the person in front of you”

That belief is captured in her business ethos: “It’s about Your Style, not The Style.” Lissie’s aim is to bring the same integrity, warmth and exceptional client care that defined her legal career into a space that empowers clients in a different, but equally meaningful, way.

In her previous life, Lissie learned that the best service begins with truly seeing the person in front of you, through empathy, careful listening, and a deep understanding of each client’s needs. These are qualities that have defined every step of her professional life to date and will continue to be the bedrock of Senaya’s ethos.

Lissie speaks about her business with true energy and excitement: “Helping someone look great is wonderful, but helping them feel amazing, aligned, and truly themselves is where the real transformation happens”.

To learn more, get in touch with Lissie today at hello@senaya.uk or visit her website www.senaya.uk

Jenny Rayner

Thirteen years ago, I was a sales director in a thriving publishing house in Surrey, working with the aviation and duty-free industry. On May 5th 2012, I lost my middle daughter Lucy to suicide at the tender age of just 22 years of age.

Her death shifted the ground that I walked on and my life as I knew it changed forever. In 2015, I left the corporate world to start the charity in her name, The Lucy Rayner Foundation. Through the grief, I educated myself about mental health and how issues can be masked in many ways, hidden in plain sight by the person who is struggling.

Often, it also isn’t recognised by GPs, family members and friends but the signs are there if you know what you are looking for. I had missed the signs and I didn’t want anyone else to feel the traumatic pain and despair that was felt by my entire family. So my daughter Emma and I began working in our homes. We wanted to start up a counselling service to support young people who are struggling and just offer space for them to talk.

I emailed and called counsellors and asked if they would support our efforts and work for free! We had a huge response, so the charity began in earnest, growing organically and steadily through the pandemic where we adapted and took our services online. I learnt everything there was to know about fundraising and spent hours filling in grants, just enough to allow us to grow bit by bit.

and lead from the front, changing how we operated. I had to put new systems and policies in place and understand the level of governance needed to remain transparent and open.

“The challenge for me was the transition. I had to learn very quickly to adapt and lead from the front, changing how we operated.”

In 2021, I became the CEO of the Foundation, as the growth meant we had to change our structure to a CIO, taking it from a small charity to a medium-sized charity with a small team of seven staff members. The challenge for me was the transition. I had to learn very quickly to adapt

All the while, I was overseeing a crucial, effective, high level of service to families. It was really tough! Today, we have 50 counsellors, support groups for men, women, families, the Surrey Suicide Bereavement Service and a progressive Schools Programme in the hope that we can turn the tide at primary school age and support children within the schools –PREVENTION is key for the future generations.

I dreamt of a day when I would open a Wellbeing Centre that bridges the gap between the NHS Services and GP waiting lists, which can offer tools and solutions to young people before they get to crisis. That day is becoming a reality for me and I look forward to opening those doors within the next two years.

www.thelucyraynerfoundation.com

To donate to The Lucy Rayner Foundation: www.thelucyraynerfoundation.com/make-a-donation

Jenny is the Founder of The Lucy Rayner Foundation, a chairty dedicated to mental health issues

COMMUNITY HERO AWARD

How

increasing your tolerance of risk can dramatically boost your success.

By Mary Taylor, Director at Mary Taylor & Associates

The risk advantage

Most people tend to be risk-averse, or at least averse to more than a fairly small amount of risk. This is completely understandable and evolutionarily essential; human beings would not have survived as a species for long had they had no inbuilt aversion to risk.

Such risk aversion naturally tends to increase as the likelihood that a risk will affect something we consider essential in our lives. Income is a prime example of this – for most of us, our quality of life, and often our very survival, is closely linked to our ability to generate money. As such, most people are extremely reticent to take risks with their livelihoods.

There is, of course, a small proportion of people who are natural gamblers - the ones who take far more risks than most, and seem to actually enjoy doing so. Most of us know at least one individual like this, whose life appears to oscillate between huge highs and complete disaster.

There are, of course, many shades of grey in between – people clearly do not simply fall into one or other of the camps of ‘very risk averse’ or ‘natural gamblers’. However, in general, it is true to say that most people, at least with something as important to them as their income, tend to be quite risk-averse.

There is something very interesting about risk-taking, though. For most of us, our decisions about which risks to take and which to avoid are predominantly made based almost entirely on our perception of the level of risk involved, rather than the reality of it.

A commonly cited example of this is how many people will be very nervous about going on a plane, yet think nothing

“Human beings would not have survived as a species for long had they had no inbuilt aversion to risk.”

about getting in a car to drive to the airport – despite the reality being that many sources estimate the odds of dying in a car crash to be approximately one in 107, while the odds of dying in a plane crash are around one in 11 million.

Many factors affect our perception of risk, such as what we are familiar with, personal experiences we have had or heard about, media exposure, cultural background and cognitive biases. There is something else very interesting about

risk-taking. Increased risk-taking is repeatedly associated with increased success in business – but with an important caveat.

Greater risk-taking in business multiplies the chances of a successful outcome many times over for several reasons. It opens the door to greater innovation and experimentation, gives a competitive advantage when you are prepared to do something most others are not, and provides a wealth of learning opportunities whenever something does not work. In short, ‘You have to be in it to win it. ’

I see this all the time in my daily work. Clients who take greater risks tend to have a higher number of failures, it is true, than clients who play it safe – but they also tend to have significantly greater success. The key point is that when viewed as a whole, the successes achieved by the risk-taking clients usually far outweigh the failures endured by them, and far surpass the successes achieved by the clients who play it safe.

Pray’ are absolutely not reliable routes to greater achievement. Instead, what is needed is a realistic analysis of the actual level of risk, a dispassionate balancing of the risk against the potential reward, and robust risk management strategies to minimise the risks as much as possible.

So, where does all of this information get us? If you make good use of it, it can get you a significant competitive advantage. Given that most people are risk-averse and that increased calculated risk-taking is strongly associated with increased business success, being one of the few with an increased tolerance for risk can put you way out in front.

“Clients who take greater risks tend to have a higher number of failures than clients who play it safe but they also tend to have significantly greater success.”

However, and this is the crucial part, increased risk-taking in business is only correlated with increased success where the risk-taking is calculated. ‘Hit and Hope’ or ‘Spray and

The window of opportunity lies in the fact that most people’s risk decisions are based on perception rather than reality, with perception usually inflating the level of risk, often significantly. To increase your tolerance of risk, there is no need to put all your faith in positive thinking, start drinking heavily for ‘Dutch courage’, or spend every moment with as many fingers and toes crossed as physically possible. The formula is simple – be one of the few who factually and methodically analyse the reality of any risk, and base your decisions upon that information alone. Ignore your personal biases and emotional reactions, and go with what a perfect logician would. Take an accurate risk assessment, balance it objectively against potential rewards, and employ evidence-based risk mitigation strategies.

Very rarely is real business success the consequence of taking little or no risks – it is usually the result of taking multiple, calculated risks.

+ABOUT MARY TAYLOR

Mary Taylor has worked with top executives in many globally recognised brands, including Apple, Cartier, Ferrari, Dior, Pfizer, Prada and Sony, from which she has developed a unique understanding of corporate life at the top and the challenges faced there.

Mary’s extraordinary academic and professional background includes working as a leader in maximum-security prisons, as a corporate lawyer for a top international firm and being a qualified psychologist. Mary has over 20 years of experience as a coach and consultant, and draws on this wealth of knowledge to deliver hard-hitting advice and recommendations that have had major impacts on leading organisations across the world.

“For women in the later stages of their working lives, entrepreneurship is emerging not as a fallback but as a powerful route to empowerment”

Entrepreneurship offers women empowerment in late-stage careers

By Dynamic Staﬀ Writer

As the calendar edges onward and the familiar corporate ladder begins to look less like a climb and more like a loop, many professional women pause and ask: What next? For women in the later stages of their working lives, entrepreneurship is emerging not as a fallback but as a powerful route to empowerment - a way to reframe experience, agency and ambition on their own terms.

A recent study by researchers at Aalto University School of Business in Finland, together with collaborators at Copenhagen Business School and the Business School at Royal Holloway, explored this dynamic in depth. Published in Entrepreneurship & Regional Development, the paper draws on three waves of qualitative interviews (2010, 2016 and 2020) with women in late-career entrepreneurship in the UK.

4. Sense of achievement

ere is a strong theme of pride and meaning. Setting and achieving business goals, doing work aligned with personal values and challenging stereotypes of older women in business all contributed to a deepened sense of ful lment. e study also cautions, however, that when entrepreneurial activity is discontinued, there can be a loss of identity, condence and agency.

What makes this research especially relevant in the UK context is the setting of signi cant structural shifts, for example, the raising of the state pension age for women to 67 between 2026 and 2028. e authors note that for many older women facing shrinking job opportunities, entrepreneurship o ers a proactive alternative rather than passive waiting.

What emerges from the research is a revelation of how mature women pivot from constrained career paths into ventures of their own making and nd in that movement four recurring themes of empowerment.

1. Critical consciousness

e study shows that many of the women interviewed described a growing awareness of life’s nite nature, of the thinning options in traditional employment, and of a decision point: either accept diminishing prospects or take the step into self-employment. rough that shift in thinking, they began challenging assumptions rather than accepting them.

2. Age as a resource

Rather than viewing age as a liability, the research participants reframed it as rich with potential. e women leveraged decades of career experience, professional networks, sector knowledge and interpersonal credibility to build ventures. In short, the skills accumulated over the years became their currency.

3. Improved agency

For professional women contemplating this route, the fourpoint pattern o ers a useful framework:

• Recognise that late-career transition is in part about mindset - critical self-awareness opens the door.

• Treat age and amassed experience as strategic assets, not excuses.

• Focus on building agency: what decisions do you want to make, what boundaries do you set, what role will you play?

• De ne achievement on your own terms: it need not be scale-up, it may be sustainability or meaningful impact, but it must resonate with you.

It’s also worth bearing in mind the practical reality: this pathway is not without its challenges. Accessing nance, balancing other life commitments, reframing identity from employee to founder, and navigating age and gender bias all remain very real. But by reframing the journey, the late-career entrepreneur isn’t chasing what was but designing what could be.

In essence, entrepreneurship at this stage becomes less about proving you’re still relevant and more about a rming that you’re ready - ready to direct your experience into something you own and shape, ready to move from validation by others to expression by you. at shift is at the heart of empowerment.

Launching and managing a venture allowed many of the women to reclaim control over their work, their schedule and their professional identity. Where previously they may have felt constrained by organisational hierarchies or gendered trajectories, entrepreneurship permitted a rewiring of power dynamics.

For the women reading this: if you’re sensing that the familiar career path feels no longer like home, spare a moment to imagine what you would build if you weren’t bound by what you already are. For many women in late career, entrepreneurship isn’t simply a fallback. It’s a platform. And your next act may just be the one you design for yourself.

FACING THE PRESSURE AND FINDING PROGRESS

By Dynamic Staff Writer

The November release of the Female Business Owners Index 2025 offers a clear snapshot of what many women running businesses in the UK are dealing with right now. Built from the experiences of more than 859 Tide and everywoman members, the report captures a year shaped by economic strain, shifting customer habits and rising costs. Even so, there is a steady thread of resilience running through it. Women are adapting, reassessing and keeping their businesses moving with a mix of realism and resolve.

According to the Index, 39% of women say this year has been tougher than last. That figure could have set quite a bleak tone, yet the wider picture is more interesting. Many women have leaned in rather than pulled back. More than half say they have put in extra hours to keep things on track. Almost a quarter have taken on a second job to support the business they believe in. It is not ideal, but it is familiar. People tend to fi nd a way when circumstances shift.

LOOKING AT THE LANDSCAPE WITHOUT LOSING HEART

half say the transition to menopause could influence how they work. Many also mention caring roles or the ongoing juggling act around childcare costs.

These pressures carry weight. They influence the rhythm of a business in ways no balance sheet can measure. Yet the Index also highlights a strong base of skill. About 42% of women say their industry experience is their greatest support.

The report spells out the main pressures shaping this year. Slower consumer spending, rising costs and a general sense of uncertainty sit in the background of many decisions. About 36% of founders mention softer spending. Another 27% point to infl ation squeezing margins. A further 21% say the broader economic mood has affected their confidence.

Even with that mix, the tone never drops into defeat. It feels thoughtful and steady. Women are paying attention to what is changing and adjusting early. They are tightening where needed, holding their nerve elsewhere and making decisions with care. It shows that while the pressures are real, so is the ability to adapt.

LIFE STAGES, LOAD AND THE STRENGTHS WE FORGET WE HAVE

One of the most relatable parts of the Index is how honestly it acknowledges the personal side of running a business. Among women in their forties, more than

Meanwhile, 40% point to self-belief and lived experience. Around 16% say fi nancial or operational skills form part of their backbone. Women rarely enter business empty-handed. They bring perspective, instinct and experience shaped over many years.

THE FUNDING GAP

The Index also points Only 2.8p of every

“Taken as a whole, the Index not read like a list of problems. It reads like a snapshot of navigating a complicated with clarity and persistence.”

ening the fi nancial be gradual, but the

A YEAR THAT TELLS

USING positive.

USING TECHNOLOGY IN A PRACTICAL WAY

Another encouraging thread in the Index is the rise in practical tech use. About 28% of women say using AI in the past year has helped their business. Most mention time saved on admin or day-to-day tasks. Nearly 80% say the effect has been positive. It is not trend chasing. It is a simple case of using tools that make life easier.

AMBITION THAT REFUSES TO DIM

Despite the weight of the year, ambition is still fi rmly in view. Around two-thirds of women expect their revenue to grow in the months ahead, and almost one in five believe that growth could be significant. Plans are already underway. About 44% of women intend to explore new markets, and 30% expect to invest in digitisation. Around 28% are considering expanding their teams, and 21% want to invest in skills. It is not dramatic or sudden. It is steady, thoughtful and long term.

Taken as a whole, problems. It reads ing a complicated shows the strain, but beneath it.

For many women home. The juggling. tion to keep going the quiet truth running is rarely loud. It careful decisions, thing you have built. women behind these only survive 2025, ready to shape 2026 they are and how they

Download the report https://surl.li/iznlqk

PRESSURE PROGRESS

GAP ISSUE

Index does problems. women complicated year persistence.”

points to the ongoing funding gap. every pound of equity investment goes to businesses founded solely by women. It is a familiar problem and remains stubborn. Yet it also highlights how much potential is still waiting to be unlocked. More women are seeking alternative routes to finance and strengthfinancial story of their business. Change may the direction of travel feels positive.

TELLS A BIGGER TRUTH

the Index does not read like a list of reads like a snapshot of women navigatyear with clarity and persistence. It but it also shows the strength that sits

in business, this will feel close to juggling. The recalibration. The determinagoing even on leaner days. Perhaps that is running through the Index. Resilience often looks like small adjustments, and not walking away from somebuilt. If these patterns continue, the these businesses will not but they will also be 2026 in ways that fit who they lead.

report here: https://surl.li/iznlqk

7 THINGS I’VE LEARNED OVER TWENTY YEARS AS A FEMALE IN THE FINANCE INDUSTRY

+ABOUT JORDAN CRACKNELL

Jordan Cracknell is a UK-based financier and author who advocates for more women to enter finance and excel in the industry. A native New Yorker, she is a graduate of the University of Cambridge and also has an MSc in Finance from Baruch College in New York.

She has written a children’s book - You Can Count On Penny - to try to spread this message far and wide and to encourage young people to explore opportunities for themselves, even if everything they see subconsciously tells them these roles are for other people and not them.

The proceeds from her book are donated to Education and Employers, a UK charity which aims to provide young people with the inspiration, motivation, knowledge, skills and opportunities they need to help them achieve their potential.

1LEARN EXCEL

With this, it’s about becoming as fluent in Excel as possible. When working in finance, you will use it far more than you expect. Even ten years into my career, I found myself in an advanced Excel course, brushing up on my skills. There is an excellent array of classes, both online and in-person. When I first started using Excel at work, I didn’t know how to do something fundamental, and I thought, for that moment, I would cry. There is no

need for you to find yourself in this situation.

2 LEARN FINANCIAL MODELLING

This ties in with learning Excel and is its natural progression. Take a course (again, either online or in-personWall Street Prep is a great option) on financial modelling (DCF, M&A, LBO, etc.). At the very least, it’ll be informative. You’ll understand the intricacies of finance that much better. And it is a good base to go off of.

3 NETWORK, NETWORK, NETWORK

When I got hired at Deutsche Bank, it was after more than 100 cold calls. I’d find their information on LinkedIn or Bloomberg. Then I’d introduce myself and ask them for a coffee. Here’s a secret: everyone loves a coffee break, and most people take one every day. During the half hour or so, I’d not only tell them about myself but also ask about them. Get to know the person you’re talking to. What are some of

“Try to form a genuine connection. You never know who people will be in 10-15 years. All these coffee meetings will help fine-tune your interview skills.”

their hobbies? They may also be super into CrossFit. Maybe you both go to the same hair salon. Try to form a genuine connection. You never know who people will be in 10-15 years. All these coffee meetings will help finetune your interview skills.

4 KNOW WHAT FINANCIAL PATH YOU WANT TO FOLLOW

There are a myriad of routes into finance. From corporate finance to research to trading and compliance. All work under the umbrella of finance and include financial components. However, each silo has its own language and necessary skills. A research associate will most likely choose a certain sector to focus on (Healthcare, Consumer). A trader might focus on metals. It is good to educate yourself on these various paths and what exactly is part of the role within.

5 PRACTICE YOUR OWN COMMUNICATION SKILLS

At the beginning of my career, I went to a few meetings with Toastmasters. It’s a company that helps people improve their presentation skills. You both give and receive feedback after delivering a speech of some kind. My feedback was helpful. Without realising it, I waved my arms with a bit too much animation while speaking. Listeners found it distracting. Going

forward, I was cognizant of this. You may be adjusting your glasses or flicking your hair a little too much without realising it.

ETHICS

Have ethics. Reputation is everything in finance. Don’t be the person who yells at subordinates. Don’t try to role-play the movie Wall Street. You will quickly find yourself out of a job, or worse, in prison.

NEVER MICROWAVE FISH (HUGE OFFICE TIP!)

This is one of the biggest faux pas one can make in an office setting. Don’t do it. If you want fish, eat raw or go out of the office for it. For some reason, the carpets in offices retain the fishy scent for far longer than one expects. You can’t get away from it. It is a nightmare.

“Have ethics. Reputation is everything in finance. Don’t be the person who yells at subordinates.”

Creating the right health

Most women know how to pull together the right people when a project needs direction. A good accountant, a trusted legal adviser, the colleague who always asks the question you had not thought of. It is second nature to create the right support structure in professional settings. Yet when it comes to health, many end up doing the opposite. Problems are only looked at when they reach a breaking point, and support is found in a moment of urgency rather than through planning.

There is another way to approach it. A personal health board is a small circle of professionals who help you look after your wellbeing with the same level of care you would give to your work. It takes the guesswork out of everyday health decisions and gives you a sense of steady support rather than last-minute firefighting.

YOUR GP AS THE CHAIR

Every board needs a chair, and your GP is the natural fit. They hold the broadest view of your health and can guide the direction of everything else. Regular conversations, even quick ones, help catch small changes early and can prevent unnecessary worry.

“A personal health board is a small circle of professionals who help you look after your wellbeing with the same level of care you would give to your work.”

A GP who knows your health habits, stress patterns, and any long-term concerns is far better equipped to support you, rather than seeing them only when something feels urgent — treating them as the chair shifts the relationship to something more collaborative and forward-looking. It also helps remove the guilt many women carry around booking appointments. A check-in does not need to mean something is wrong. It can simply be part of staying well.

The idea is not complicated and not indulgent. It is a practical way to organise the people you already rely on and fill the gaps with those who can genuinely help.

At its core, a personal health board encourages you to think about your wellbeing with a little more structure. Instead of juggling symptoms, Googling answers or hoping issues settle on their own, you have a group of specialists who understand your history, your lifestyle and your goals. It brings order where many women are used to improvising.

SPECIALISTS AS YOUR SUBJECT EXPERTS

Just as a business board brings in experts for specific issues, your health board can include specialists who understand the nuances of your stage of life. A fertility doctor, endocrinologist or menopause specialist can shed light on symptoms that are easy to dismiss or misread.

Their role is not to complicate things but to provide clarity and help you avoid the confusion of piecing information

board for your wellbeing

together on your own. Women often live with discomfort or uncertainty because they feel their symptoms are not serious enough to warrant a specialist. A health board reframes this. You deserve informed answers, not guesswork.

NUTRITION SUPPORT AS YOUR STRATEGY LEAD

Food shapes energy, focus and emotional balance, yet many women end up eating reactively around demanding schedules. Days filled with meetings, deadlines and family responsibilities can make it challenging to eat in a way that supports the body rather than depletes it. A nutritionist or dietitian can help you understand what your body actually needs and how simple changes can stabilise energy levels, support hormone balance, and improve mood. Think of them as your strategy lead for the basics that everything else relies on.

MOVEMENT SPECIALISTS AS OPERATIONS SUPPORT

Shoulder tension, back stiffness and old injuries often sit quietly in the background for years. These lingering issues sap energy and affect quality of life more than people realise. A physiotherapist or osteopath can help uncover what is causing the strain and how to correct it before it becomes a bigger issue.

They keep your body’s day-to-day operations running smoothly. Good movement support is less about fixing problems and more about teaching your body how to avoid them in the first place.

EMOTIONAL SUPPORT AS YOUR INSIGHT ADVISER

Pressure, responsibility and the invisible mental load all take a toll, even when life is going well. A therapist or counsellor offers the kind of insight that strengthens resilience, sharpens self-awareness and eases the weight of decision-making. Their role on the board should not be only crisis management. It is long-term clarity and steadiness. Many people say therapy becomes a space where they can hear themselves think, which is a rare luxury in busy lives.

OPTIONAL ROLES TO STRENGTHEN THE SYSTEM

Here you can add your masseuse, personal trainer, acupuncturist or sleep specialist. Or keep it simple. The board works because it is flexible. It grows and changes with your priorities rather than following a fixed formula. Some seasons call for more support, others for less. The aim is to create a team that helps you feel informed, balanced and looked after.

A personal health board is not another task to manage. It is meant to be a structure that allows you to take your wellbeing seriously, with the same care you give to everything else in your life.

“A personal health board is not another task to manage. It is meant to be a structure that allows you to take your wellbeing seriously”

UNPLUGGED CABIN DIGITAL-DETOX RETREAT

A three-night stay in a phone-free cabin in nature. Guests lock away their devices, walk woodland paths, read books and reconnect with stillness. For someone craving space to think, this is an unforgettable reset.

unplugged.rest/

LONELY PLANET’S BEST TRAVEL IN 2026

A guide to inspire with a year’s worth of travel destinations and experiences. It’s about unlocking the curiosity in all of us. Let the adventure begin...

shop.lonelyplanet.com/products/ lonely-planets-best-in-travel-2026

REWILDING US FORAGING COURSE (SURREY OR SUSSEX)

A slow, exploratory walk through woodland or coastline you learn to identify wild plants, herbs and fungi. The session focuses on safe foraging, simple tasting and reconnecting with the landscape in a more attentive way. It is an easygoing adventure that opens your eyes to what is growing at your totallywilduk.co.uk/foraging-courses

Gifts to awaken the adventurous spirit in anyone

There is something irresistible about a gift that nudges someone the familiar. Not the grand, high-risk kind of adventure but the us that life is richer when we wander, explore and learn something ourselves. These gifts spark curiosity, energy and a little willingness

SOUTH DOWNS STARGAZING EXPERIENCE

The South Downs is an Reserve and one of the explore the night sky. This introduces beginners to deep-space objects with It’s gentle, magical and adventurous spirit thrives

stargazingexperiences.co.uk/south-downsnationalpark-stargazing-experience-2-hours/

where session reconnecting easygoing your feet.

WILD SWIMMING BY DANIEL START

A beautifully photographed guide to Britain’s best wild swimming spots. From hidden rivers to dramatic coastal pools it invites discovery far beyond the usual walking routes. Perfect for anyone seeking a more elemental connection with nature.

wildthingspublishing.com

awaken adventurous anyone

someone to step beyond the sort that reminds something new about willingness to say yes.

EXPERIENCE

an International Dark Sky the best places in the UK to This guided stargazing session to constellations, star lore and with high-quality telescopes. and ideal for someone whose thrives on wonder, not heights.

stargazingexperiences.co.uk/south-downsnationalpark-stargazing-experience-2-hours/

INTRO TO INDOOR CLIMBING GIFT EXPERIENCE (THE CLIMBING HANGAR)

A friendly, empowering introduction to climbing. Sessions focus on technique, confidence and fun rather than athletic ability. It suits complete beginners and is a wonderful way to unlock a sense of capability.

theclimbinghangar.com/gift-cards

GOPRO HERO12

The classic gift for capturing movement, travel and messy, joyful moments. Light, rugged and intuitive, it lets even total beginners film their adventures with confidence. A brilliant way to encourage someone to document the stories they will tell later.

gopro.co.uk

VANGO SOUL 200 LIGHTWEIGHT TENT

A reliable, compact tent that fi ts easily into a backpack. Ideal for weekend wild camps or gentle fi rst-time camping trips. It encourages spontaneous nights under the stars without overthinking the gear list.

vango.co.uk/soul-200

Pampa Kitchen & Grill

CuCkfield

By Lee-Ann McNicoll

Pampa Kitchen and Grill sits in what used to be a village home, giving it an intimate, slightly tuckedaway atmosphere. With only a few tables, it is easy to see why locals treat it like a bit of a hidden gem. It is family-run, which adds to the warmth, but it also means things get lively quickly. Once the rooms fill, the noise rises with it, so this is more of a chatty dinner spot than a quiet one on busy days. The outdoor space looked perfect for the sunny seasons, but it was not when we visited.

Their menu leans into Argentine flavours with Mediterranean touches. Steak lovers will feel right at home thanks to premium Argentine beef from grass-fed cattle, but there is plenty beyond that. Tapas, salads and a few vegetarian options, including a Beyond Meat burger, keep things varied enough for different tastes.

We started with the crispy squid with aioli, which was one of the highlights. Light, crisp and properly seasoned, it was the kind of dish you could happily order again. The two chorizo dishes landed differently. Chorizo al Vino had great flavour and a nice warmth, while the Chorizo Mariposa felt a bit underpowered. The only real disappointment was the grilled white asparagus, which tasted tinned and had definitely not seen a grill. Once we mentioned it, the team took it off the bill straightaway, which was appreciated.

The ribeye was the standout of the night. Tender, full of flavour and cooked as ordered, it showed why so many regulars rave about Pampa’s steaks. The fries were excellent, too. Golden, crisp, and generous, they were easily among the best we have had recently and paired perfectly with the steak. Some of the other dishes were fine but not especially memorable, which did not spoil the meal but left a softer impression.

“Their menu leans into Argentine flavours with Mediterranean touches.”

Dessert was a return to form. The Tarta de Límon was zesty and satisfying. It is definitely worth saving room for. The drinks list looked solid with enough variety, but we couldn’t properly explore it as we had a drive ahead of us.

Service was friendly in a relaxed, family-run way. Staff took their time checking in on tables without hovering and handled small issues with ease. It suits the size and nature of the restaurant.

Would we go back? Yes. Pampa was intimate, lively and good fun. The steak and fries alone are worth a return visit, and the overall vibe had an easiness about it. Not every dish hits the same high note, but there is enough here to enjoy. The two-course lunch at £19.50 is especially tempting, and on a sunny day, the outside area would make it even better.

Pampa Kitchen & Grill

1 Broad Street, Cuckfield, Haywards Heath, RH17 5LJ pampakitchen.co.uk

CHICHESTER CHRISTMAS CAROLS AT PALLANT HOUSE GALLERY

Gathered around our beautiful Bösendorfer grand piano, listen to the stunning voices of La Diva Choir from Bishop Luffa School as they fill the gallery with joyful harmonies. Surrounded by inspiring artworks from our collection, this special concert promises to be a magical start to the festive season.

Pallant House, Chichester December 11th www.pallant.org.uk

ALBOURNE

CHRISTMAS

WINE TASTING WEEKEND

We will have every bottle across our range open for you to sample so you can make the best possible choice for your Christmas wines and gifts. Our team will be on hand to offer guidance and advice. You will be able to browse our range of wine gift packaging and gift ideas including our experience Vouchers and miniatures of Albourne 40 Vermouth (the perfect stocking filler!).

Albourne Estate, Albourne, West Sussex December 13th-14th, 20th-21st www.albourneestate.co.uk

WHAT’S ON...

A brief snapshot of art and culture in the region

ESHER

SANTA FUN RUN FOR PRINCESS ALICE HOSPITAL

Get ready to pull on your Santa suit and join us for one of our Santa Fun Run events! Together, we’ll spread Christmas cheer while raising vital funds to provide care this Christmas and beyond. So dust off your boots, pop on that Santa hat, and let’s make this Christmas truly magical for those who need us most.

Sandown Racecourse, Esher December 14th www.santafunrun.pah.org.uk

BRIGHTON A TOWN CALLED CHRISTMAS

Buckle in for a rollercoaster of magic, music, and mayhem as our hero crash-lands in a crumbling town where only the longforgotten fables, a cantankerous caretaker and a glitching robot remain! Can they save the day, and the town called Christmas?

Brighton Dome December 27th-31st www.brightondome.org/whats-on/Lum-a-town-called-christmas

KINGSTON-UPN-THAMES

KINGSTON CHRISTMAS MARKET

A relaxed, intimate stand-up comedy evening held outdoors in garden surroundings. Local and touring acts perform in a unique setting, good for friends, couples or anyone wanting a lighter evening out.

Kingston Market Place, Surrey November 13th – December 28th 2025 www.kingstonchristmasmarket.co.uk

CHICHESTER THE THREE LITTLE PIGS

From the award-winning Stiles and Drewe (The Billy Goats Gruff, Honk!, Half a Sixpence) comes The Three Little Pigs – a “very curly musical tail” that is perfect for the whole family. This charming and witty adventure is full of catchy songs and clever rhymes which will have you squealing with glee as three superstar piglets set about defeating the Big Bad Wolf.

Chichester Festival Theatre December 6th - 28th www.cft.org.uk

The UK’s most beautiful Christmas ice rink is back, powered by renewable energy. With its unrivalled setting in front of Brighton’s iconic Royal Pavilion, and ice like glass, the rink has been welcoming visitors since 2010. It’s still the UK’s only Christmas ice rink powered exclusively by solar, wind and wave energy.

Brighton Pavilion October 28th - January 4th www.royalpavilionicerink.co.uk

GUILDFORD CASTLE

A newly-launched festival combining live jazz/blues performances, food stalls, local culture. Spread across venues in Midhurst.

Guildford Castle & Grounds November 15th, 2025 - January 4th, 2026 www.illuminateguildford.co.uk

BRIGHTON PAVILION ICE SKATING

GUILDFORD ILLUMINATE