Member Blog

If you’re a solopreneur or small business owner, chances are your marketing strategy lives somewhere between your head, your inbox, and a few scattered sticky notes.

You’re not alone, and you’re not failing.

But you are making things harder than they need to be.

Let’s be honest: winging it isn’t a strategy. It’s a survival tactic.

And while it might get you through the week, it won’t build the kind of business you’re dreaming of.

The Pain of Not Having a Plan

Running a business without a written marketing plan often feels like:

• Throwing spaghetti at the wall to see what sticks.

• Posting on social media last-minute, hoping for engagement.

• Jumping on every trend, but never seeing consistent results.

• Feeling overwhelmed, unsure what to do next—or if what you’re doing is even working.

Sound familiar?

Without a clear plan, your marketing becomes reactive, inconsistent, and exhausting. You spend time and money on tactics that don’t align with your goals. You second-guess every decision. And worst of all, you miss out on opportunities because you’re too busy putting out fires.

Why Writing It Down Changes Everything

Here’s the good news: there’s a simple, proven way to break the cycle.

Write. It. Down.

According to a study by Dr. Gail Matthews at Dominican University, people who write down their goals are 42% more likely to achieve them [1]. And those who create a written plan with specific steps are 10 times more likely to succeed than those who don’t [2].

Why?

Because writing things down:

• Clarifies your thinking: You can’t be vague on paper.

• Creates accountability: You’re more likely to follow through.

• Provides a roadmap: You know what to do, when, and why.

• Reduces stress: You stop guessing and start executing.

In short, a written marketing plan turns chaos into clarity.

What a Marketing Plan Actually Does for You

A solid marketing plan isn’t just a document; it’s a decision-making tool.

It helps you:

• Define your goals: What are you actually trying to achieve?

• Understand your audience: Who are you talking to, and what do they care about?

• Choose the right channels: Where should you show up, and how often?

• Craft consistent messaging: What do you want to be known for?

• Measure what matters: What does success look like, and how will you track it?

With a plan in place, you stop chasing shiny objects and start building momentum.

The Scattergun Trap

Many solopreneurs fall into the “scattergun” trap – trying a bit of everything, hoping something works.

One week it’s Instagram Reels, the next it’s email marketing, then maybe a podcast or a pop-up event.

The result? Burnout. Inconsistency. Confusion – for you and your audience.

A written plan helps you prioritise.

It tells you what to say no to, so you can say yes to what actually makes a difference.

Introducing: The Marketing Plan Workshop

If you’re ready to stop winging it and start winning with your marketing, I’ve got something just for you.

This September, I’m hosting a Marketing Plan Workshop (one in person at the Norfolk Chamber of Commerce and one online for those who prefer to join from home.)

In just three hours, you’ll walk away with:

✅ A complete, written marketing plan tailored to your business

✅ Clarity on your goals, audience, and messaging

✅ A simple strategy you can actually stick to

✅ Tools and templates to keep you on track

✅ The confidence to market your business with purpose

Whether you’re just starting out or looking to refocus, this workshop is designed to meet you where you are and get you where you want to go.

Why This Matters Now

We’re heading into the final quarter of the year. That means now is the perfect time to get your marketing house in order, before the holiday rush, before the new year, and before you spend another month feeling stuck.

Imagine starting Q4 with a clear plan, a renewed sense of direction, and a marketing strategy that actually works for you.

No more guessing. No more overwhelm. Just focused, intentional action.

Real Talk: You Can’t Afford Not to Do This

Let’s break it down:

• Time: You’re already spending hours on marketing. A plan helps you use that time wisely.

• Money: Every ad, post, or promo without a strategy is a gamble. A plan helps you invest, not waste.

• Energy: Decision fatigue is real. A plan reduces the mental load so you can focus on what matters.

  
  

And remember: only 3% of people have written goals with a plan to achieve them—but they’re the ones who are 10 times more likely to succeed [2].

Which side of that stat do you want to be on?

Let’s Do This Together

You don’t have to figure it all out on your own. This workshop is designed to guide you step-by-step, with expert support and a community of fellow business owners who get it.

Whether you’re a coach, maker, consultant, or creative, this is your chance to finally get your marketing sorted—and feel good about it.

? Save Your Spot

Marketing Plan Workshop

? September (exact date TBC)

? Norfolk Chamber of Commerce & Online

⏰ 3 hours to transform your marketing

? Walk away with a complete, written plan

Spots are limited, so don’t wait. Your future self – and your business – will thank you.

Ready to stop winging it and start winning with your marketing?[Click here to register now] ( link)

References

[1] 23 Writing Down Goals Statistics, Facts and Trends in 2024

[2] +22 Goal Setting Statistics In 2025 (New Facts And Studies)

Microsoft 365 feeling more like a digital obstacle course than your trusty sidekick?

You’re not alone. SMEs often leave powerful tools gathering dust—chaotic file versions, security features asleep at the wheel, and duplicate apps draining your budget.

At Beacon IT, we turn that around with some simple steps, like:

✅ Tidying up with OneDrive & SharePoint
✅ Flipping on MFA & encryption in seconds
✅ Ditching duplicate subscriptions and saving

We’ll guide you through more steps in plain English -no jargon goggles required.

? Read more: https://www.beaconit.co.uk/microsoft-365-tips-for-smes
? Or drop us a line for a friendly chat.

At Brancaster House Financial Planning, we’ve reviewed countless retirement plans over the years. And while every person’s financial situation is different, there’s one consistent – and worrying – flaw we see time and time again:

Most people have no real idea what their retirement savings will actually provide.

They don’t know what they have, what they need, or whether they’re even remotely on track. Even worse, many people believe they’re doing fine… when the reality is far more uncertain.

This hidden flaw is costing future retirees peace of mind, financial security, and in some cases, the retirement they’ve worked decades to achieve.

Let’s explore why this happens, what the risks are, and what you can do about it.

1. People Don’t Really Understand What They Have

It’s common for people to walk into our office with a stack of pension statements, a handful of old workplace schemes, maybe an ISA or two, and a vague idea of what they think their retirement pot looks like.

But there’s a critical difference between having assets and understanding their function.

·         Pension statements may show a projected value at retirement – but what income will that actually produce?

·         Investment accounts might have grown nicely – but how will market volatility affect withdrawals over time?

·         State Pension entitlements are often misunderstood or overestimated.

The problem isn’t a lack of effort. It’s a lack of clarity. Most retirement plans are built around accumulation – saving and investing – but not around decumulation – how you will actually draw income in retirement in a sustainable, tax-efficient way.

2. Most Retirement Plans Are Not Plans – They’re Just Pots

There’s a crucial distinction between having a retirement plan and having retirement accounts.

A plan involves:

·         Knowing when you want to retire.

·         Understanding how much you’ll need to live the life you want.

·         Mapping out how your income will be generated over time.

·         Factoring in inflation, taxes, healthcare costs, longevity risk, and market downturns.

But many people haven’t done that thinking. They’ve simply collected pots over time and assumed it will be “enough.”

This leaves them exposed to a painful reality: accumulating money doesn’t automatically translate into sustainable income.

3. The Dangerous Assumption: “I Think I’m On Track”

Many people operate on a hunch when it comes to retirement readiness.

·         “I’ve got £300,000 saved; that should be fine, right?”

·         “My workplace pension keeps going up.”

·         “I’ve never really thought about how much I’ll need—I’ll just live within my means.”

The problem with this thinking is that it doesn’t take into account the realities of retirement spending patterns or risk.

For example:

·         Spending often spikes in the early years of retirement (travel, hobbies, helping children), then fluctuates.

·         Healthcare and care costs typically rise in later life.

·         Inflation erodes purchasing power over decades.

Without a clear understanding of your income needs and your resources, it’s nearly impossible to know whether you’re genuinely on track.

4. Even Worse: Some People Are Off Track – and Don’t Know It

In many cases, people are not just uncertain – they’re overconfident. They assume that their savings and pension contributions will naturally deliver a comfortable retirement. But there are warning signs that often go unnoticed:

·         No idea how much retirement will cost.

·         No specific retirement date or age in mind.

·         No forecast of income vs. expenditure over time.

·         No plan for sequence-of-returns risk (the danger of negative investment returns early in retirement).

·         No strategy for drawing income tax-efficiently.

The earlier someone realises they’re off track, the more options they have to fix it – by saving more, adjusting their timeline, or restructuring their investments.

But the later this realisation comes, the fewer choices remain.

5. How to Know If You’re Truly On Track

At Brancaster House, we believe in making retirement planning simple, actionable, and clear. Here are the key signs of a well-designed plan:

·         You know your number: the amount of annual income you’ll need in retirement (factoring in inflation).

·         You have a retirement income plan: including pensions, investments, property, and other sources.

·         You know how long your money will last: under a variety of market and life expectancy scenarios.

·         You have a withdrawal strategy: including which pots to access first, and when.

·         You understand your risks: including longevity, inflation, market volatility, and unexpected expenses.

And most importantly – you have peace of mind. You’re not guessing. You’re planning.

6. Why Clarity Matters More Than Anything

Retirement isn’t just about money. It’s about freedom. Freedom to choose how you spend your time, where you live, how you support your family, and what kind of legacy you leave behind.

But freedom requires clarity. And clarity doesn’t come from guesswork – it comes from financial planning.

At Brancaster House, our role is to bring that clarity to your retirement journey. We help you:

·         Understand what you truly have.

·         Forecast what you will likely need.

·         Build a strategy to bridge any gaps.

That means we don’t just look at pension statements. We look at your life, your goals, your values – and we create a tailored plan that helps you live the retirement you’ve imagined.

7. The Bottom Line

The hidden flaw in most retirement plans isn’t a lack of effort or even a lack of saving. It’s a lack of understanding. Most people don’t know if they’re on track – until it’s too late to course-correct.

But it doesn’t have to be this way.

With the right advice, a clear plan, and a proactive approach, you can take control of your future, eliminate uncertainty, and move toward a retirement built on confidence – not guesswork.

If you’re unsure where you stand – or simply want a second opinion on your retirement plan – we’re here to help.

Book your complimentary Retirement Clarity Review with Brancaster House today.

Your future deserves more than guesswork. It deserves a plan.

If you would like to discuss your pension position needs with one of our advisors, please request a free financial health check here:  https://www.brancasterhouse.co.uk/healthcheck

Should your business invest in height-adjustable desks? Here’s what you need to know

They’re popping up in workplaces everywhere, and chances are you’ve seen them online or in person. But are height-adjustable desks really as beneficial as people say – or just a fad we’ll all forget about in a few years?

At Millar West, we’ve seen plenty of furniture trends come and go over the past 30 years. In this article, we’ll give you our honest take on sit-stand desks. What the research says, who they benefit, and how to choose the right one for your workspace.

1. What are height-adjustable desks?

Height-adjustable desks (also called sit-stand desks) allow users to switch between sitting and standing during the workday.

Most use electric motors to raise or lower at the push of a button – some are manual crank-based. Either way, the goal is simple: to help people move more and sit less at work.

2. Why businesses are paying attention

UK businesses face a range of challenges today, and chances are, you’ve felt them firsthand.

One of the biggest is employee absenteeism. In 2023 alone, over 8 million sick days were taken due to back-related issues. With 3 in 10 workers reporting regular back pain, it’s clear that workplace health is becoming a serious concern.

That’s why more companies are exploring ways to improve employee wellbeing. It’s now becoming essential for reducing time off, boosting productivity and staying competitive in today’s tougher markets.

Height-adjustable desks have emerged as a simple, effective part of that solution. And it’s not just blind hope – there’s solid evidence they can make a real difference.

3. What the research says 

In recent years, several scientific studies have explored the real-world impact of height-adjustable desks. One of the most reliable came in 2018 – a year-long study in a working office environment.

Here’s what they found when comparing height-adjustable desks to traditional desks:

• 47% of users reported reduced upper back, shoulder, and neck discomfort

• 65% saw better energy levels and improved health outside of work

• 65% also reported increased productivity and sharper focus

Other key findings:

• A 2021 Japanese study found a significant reduction in neck and shoulder pain

• A 2022 University of Leicester study reported reduced workplace stress and body pain

These weren’t just small, casual surveys – they were peer-reviewed and methodologically sound. In short, the benefits of sit-stand desks are real.

4. Why sitting all day is a problem

Sitting for long stretches can take a toll on your body and mind. Here’s a quick snapshot of what the research shows:

• The average office worker sits 6.5 to 8 hours per day, not counting evenings.

• Prolonged sitting is linked to metabolic syndrome (high blood pressure, blood sugar, and belly fat).

• Sitting 8+ hours/day raises the risk of early death by 22%, especially in inactive adults.

• It’s also tied to higher levels of anxiety, depression, and workplace stress.

• Physically, it weakens muscles, shortens hip flexors, and compresses spinal discs, leading to long-term back pain and higher absenteeism.

You’ve probably heard the phrase “sitting is the new smoking.” While a bit dramatic, it reflects a serious health issue.

5. Could height-adjustable desks help you and your team?

If you or your colleagues spend most of the day sitting at a computer, a height-adjustable desk could make a big difference.

We’d recommend them if:

• Your team sits 6+ hours per day

• Staff report recurring aches or low energy

• You’re looking to improve productivity or reduce sick days

• You want to modernise your office setup

6. What to consider before you buy one

The good news is that height-adjustable desks aren’t that expensive anymore.

With the global sit-stand desk market expected to grow to over £10 billion by 2032, manufacturers are constantly competing on price.

Here’s a quick guide if you’re looking to invest in height-adjustable desks:

• Measure your space just like you would for a traditional desk.

• Check the weight limit – 100kg is a good benchmark for dual monitors and heavier setups.

• Check the height range – not all desks go as high or as low as you might need. The correct height for standing is generally elbow-level.

• Manual or electric? Manual desks are cheaper, but can be awkward to adjust. Electric desks change height in seconds.

• Single vs Dual Motor: Dual motor frames last longer, are less likely to break, and the price difference is small.

• Control panel settings: If your staff will share a desk, get one with memory settings so they can quickly adjust the desk to their preferred height.

7. Want to try one out first?

If you’d like to see what an electric height-adjustable desk is really like to use, we offer a free trial.

At Millar West, we’ve helped everyone from small startups to NHS departments find the right sit-stand solution without blowing the budget.

We can deliver and install a desk for you to try in your own space, with a range of sizes, finishes, and styles available.

Whether you’re upgrading a home office or furnishing an entire workspace, we’ll help you find the right fit. Get in touch today to arrange your free trial.

In today’s fast-paced working world, health and safety are no longer optional—they’re essential. As organisations strive to build stronger, more resilient workforces, investing in proper training is key. One of the most recognised and respected health and safety training programmes in the UK and globally is the IOSH (Institution of Occupational Safety and Health) course. Whether you’re a team leader, manager, or frontline employee, completing an IOSH course can offer wide-ranging benefits—not just for you as an individual, but for your entire organisation.

What is IOSH? IOSH is the Chartered body for health and safety professionals. Their courses are designed to equip individuals with the knowledge and tools to identify and manage risks in the workplace effectively. The most popular courses include: IOSH Managing Safely – Ideal for managers and supervisors across all sectors. IOSH Working Safely – Perfect for employees at any level, in any industry. These courses are widely recognised and set a solid foundation for creating safer work environments.

Top 5 Benefits of Completing an IOSH Course

1. Improved Workplace Safety IOSH training empowers individuals to identify potential hazards and implement effective risk control measures. A trained team leads to fewer accidents, injuries, and near-misses—creating a safer and more productive workplace.

2. Legal Compliance Health and safety legislation is complex and constantly evolving. IOSH courses ensure that your team is aware of their legal responsibilities, helping your organisation stay compliant and avoid costly fines or legal issues.

3. Boosted Employee Confidence and Morale When employees know that their workplace prioritises safety—and that they are trained to handle risks—it significantly boosts morale. A confident, safety-conscious workforce is also more efficient and motivated.

4. Enhanced Reputation Organisations known for their commitment to health and safety gain a competitive edge. Clients, customers, and stakeholders are more likely to trust companies that demonstrate a proactive approach to employee wellbeing.

5. Cost Savings Workplace accidents can lead to significant costs—from lost productivity to compensation claims. By reducing incidents through effective training, organisations can see measurable financial benefits over time. Who Should Take an IOSH Course? IOSH courses are suitable for a wide audience: Managers and Supervisors – To effectively lead safe teams. Employees – To work responsibly and spot hazards early. New Starters – To instil a safety-first mindset from day one. Health and Safety Champions – To deepen their expertise and lead initiatives.

Conclusion: A Smarter, Safer Future Completing an IOSH course is more than just ticking a compliance box—it’s a proactive step towards a safer, more successful workplace. With the right training, your team can manage risks confidently, protect each other, and contribute to a positive safety culture that benefits everyone. Whether you’re an individual looking to boost your skills, or an employer aiming to raise safety standards, IOSH training is a smart investment in your people and your future.

We are running an IOSH open course in Wymondham 15th-17th July 2025. Get in touch for more details.

“Do I Have Enough Money to Retire?” – Clarity Through Cashflow Forecasting

It’s one of the most important and most frequently asked questions we hear: “Do I have enough money to retire?” 

For many, the idea of retirement is both exciting and daunting. The thought of stepping away from work and embracing the next chapter of life brings dreams of travel, hobbies, and freedom. But it also raises serious concerns: Will my money last? Can I maintain my lifestyle? What if something unexpected happens?

At Brancaster House Financial Planning, we understand that retirement isn’t just about reaching a certain age or hitting a magic number in your pension pot. It’s about confidence. It’s about knowing that your finances will support the lifestyle you envision, for the rest of your life.

Understanding What Retirement Really Means

Retirement means different things to different people. For some, it’s a complete exit from the workforce. For others, it might mean reducing hours, changing careers, or pursuing passion projects. Regardless of your definition, the common thread is financial independence – the ability to make decisions without being limited by money.

Planning for that kind of freedom doesn’t happen overnight. It requires thoughtful analysis, strategic decision-making, and most importantly, clarity. That’s where we come in.

It’s Not Just About the Pension Pot

When people think about retirement planning, they often zero in on their pension. While your pension is undoubtedly a key piece of the puzzle, it’s far from the whole picture. Savings, investments, property, state benefits, and other assets all play a role. So too do your expenses, both essential and discretionary.

The big question isn’t just “How much have I saved?” but “What do I want my retirement to look like, and will my resources support that vision?”

This is where lifestyle planning becomes essential. Are you hoping to travel extensively? Do you want to help children or grandchildren financially? Will you remain in your current home or downsize? All these choices carry financial implications.

How We Help: Clarity Through Cashflow Forecasting

At Brancaster House Financial Planning, we use advanced cashflow forecasting tools to give you a realistic, personalised view of your financial future. This isn’t just about looking at your savings and investments on paper. It’s about modelling your actual lifestyle – your income, expenditure, tax obligations, and future goals.

We’ll work with you to build a detailed picture of what your retirement might look like, taking into account:

• Your current assets and liabilities

• Anticipated income from pensions, savings, and investments

• Expected and potential expenses (e.g. travel, healthcare, care costs)

• Inflation and investment growth assumptions

• One-off events, such as gifting money or moving house

The result is a living, breathing financial roadmap that helps you understand whether you’re on track or whether adjustments are needed.

Real-Time Insight With Your Personal Client Portal

We also provide each of our clients with a secure, personalised customer portal that gives you real-time access to your financial information. From tracking your outgoings to monitoring the performance of your investments, this platform brings transparency and control to your fingertips.

No more guesswork. No more digging through paperwork. Just a clear, accessible view of your finances, whenever you need it.

Planning for the Unexpected

A good retirement plan isn’t just built for the good times; it accounts for the unexpected as well. Market volatility, health issues, changes in family circumstances or new tax rules can all impact your financial position.

Through our planning process, we’ll stress-test your forecast under various scenarios. What happens if inflation rises faster than expected? What if you live 10 years longer than you assumed? What if you need to provide care for a loved one? These are uncomfortable questions, but addressing them now gives you the confidence to navigate the future with peace of mind.

Making the Most of What You’ve Got

Part of our role is helping you make your money work harder. That might mean:

 – Making better use of tax allowances (such as ISAs and pension contribution reliefs)

 – Reviewing investment strategies to suit your retirement timeline

 – Considering phased retirement to draw income tax-efficiently

 – Evaluating the potential benefits of downsizing or equity release

 – Aligning estate planning to minimise inheritance tax

 None of these strategies are one-size-fits-all. That’s why everything we do is built around you – your goals, your values, your lifestyle.

Why People Delay…and Why You Shouldn’t

It’s natural to put off retirement planning, especially if you’re uncertain about what lies ahead. But the earlier you start asking the right questions, the better positioned you’ll be. Even if retirement is 10 or 15 years away, decisions you make now – around saving, investing, or paying off debt – can have a major impact on your future options.

And if you’re already nearing retirement age? There’s still time to make meaningful changes. Many of our clients come to us just a few years before they plan to retire. Through careful planning and considered advice, we help them gain clarity and confidence about what lies ahead.

Book Your Free Financial Health Check

If you’re unsure whether you have enough money to retire, we encourage you to take the first step today. Our free financial health check is a no-obligation opportunity to talk through your current situation and understand your options.

Retirement isn’t a destination; it’s a new phase of life that should be enjoyed with confidence and freedom. Asking, “Do I have enough to retire?” isn’t a sign of doubt; it’s a sign that you’re ready to take control of your future.

Book your free health check here:

https://www.brancasterhouse.co.uk/healthcheck 

Card Payment Fees: Should You Choose IC++ or a Blended Rate?

If you run a business and you take card payments, you’ve probably wondered if you’re getting a good deal on your processing fees. One thing many people don’t realise is that there are two different ways providers charge you, and the difference could be costing you money.

The first option we are going to analyse is IC++ pricing. This is probably the least understood pricing model; however, you can potentially save a lot of money by moving to this pricing structure, so let’s take a look at IC++ pricing in more detail.

Is IC++ the Right Choice for Your Business? Here’s How It Works and What You Could Save:

Let’s break it down in plain English:

IC++ (Interchange Plus Plus) is a pricing model where your card processing fees are charged at individual rates, which can result in significant savings over time.

Let’s say you have a turnover of £10,000 with an average order value of £20.00.

The average breakdown for each card type used is:

Visa Debit: 40%
Visa Credit: 10%
Visa Business: 4%
Mastercard Debit: 31%
Mastercard Credit: 13%
Mastercard Business: 2%

Here is an example of business rates on an IC++ pricing model:

Terminal Fee: £20.00 per month
Authorisation Fee: 3p per transaction.
Visa Debit: 0.4%
Visa Credit: 0.8%
Visa Business: 1.25%
Mastercard Debit: 0.4%
Mastercard Credit: 0.8%
Mastercard Business: 1.25%

To keep the maths simple, how much would this cost each month with a turnover of £10,000 per month and an average order value of £20.00?

Total Transactions: 500
Authorisation Fee: 3p x 500 = £15.00

Terminal Fee (1 x terminal): £20.00
Visa Debit: 40% of £10,000 at 0.4% = £16.00
Visa Credit: 10% of £10,000 at 0.8% = £8.00
Visa Business: 4% of £10,000 at 1.25% = £5.00
Mastercard Debit: 31% of £10,000 at 0.4% = £12.40
Mastercard Credit: 13% of £10,000 at 0.8% = £10.40
Mastercard Business: 2% of £10,000 at 1.25% = £2.50
PCI Compliance: Free
Total: £89.30 per month

This may seem like a lot to take in, but having custom pricing for each card type can massively benefit your business if your customers pay mostly by debit cards, which these days people do.

When Should You Choose an IC++ Rate?

This option is appropriate for businesses that process over £4,000 through their card machines per month.

If you know your customers mostly use Visa Debit or Mastercard Debit, an IC++ model can work very well for your business, especially if you have a higher turnover. Let’s break it down as to how it works.

Is a Blended Rate the Simpler Option for Your Business? Here’s What It Means and What You’ll Pay:

With a blended rate, everything is rolled into one simple percentage. For example, you might pay 1.5% per transaction, and that’s it. It doesn’t matter how many transactions you have, or the split of your card breakdown with a blended rate; they are super simple to manage because you will have the same percentage rate mirrored across all card types!

At the moment, the average blended rate in the industry is 1.5%. Quite often, people pay for the device upfront with a blended rate, although some customers still pay monthly, but for this example, we won’t have a monthly fee for the terminal on a blended rate. 

‘How does a Blended Rate compare to the IC++ Rate?’, you may ask. Well, let’s run the breakdown again, but this time with a blended rate.

So, how much would this cost each month with a turnover of £10,000 per month and an average order value of £20.00?

Total Transactions: 500
Authorisation Fee: 0p (most blended rates have no authorisation fee)

Terminal Fee £0.00
All Card Types: 100% of £10,000 at 1.5% = £150.00
PCI Compliance: Free
Total: £150.00 per month

As you can see from the maths, you can save around £60.00 per month by moving over to an IC++ rate, which could equate to £720.00 per year savings based on the figures above.

When Should You Choose a Blended Rate?
Blended rates are often best suited to smaller businesses processing up to £4,000 per month, as well as seasonal traders who prefer the flexibility of no monthly fees or long-term contracts. For businesses that value simplicity and upfront pricing, blended models can work well. However, if your card turnover is regularly above £5,000 per month, or you’re planning to grow, it’s worth reviewing your rates to ensure you’re not overpaying.

To Summarise:

IC++ Rate

The Good:

• The percentage charge rates across each card type are generally a lot lower than the charge of a blended rate

• Works out a lot cheaper if you take lots of card payments

• Rates are often fixed, so you’re not subject to rate reviews every 3 months

• Great if you want control over what individual card rates you pay

The Bad:

• It can be difficult to understand the monthly/annual statements

• Your total fees can change slightly every month (with some providers… not us!)

Blended Rate

The Good:

• Very transparent – you know exactly what you’re paying

• Fixed rate – great for budgeting and keeping track of your costs

• Often comes without a set contract of X months

• Great for seasonal businesses

• Ideal if you don’t take loads of card payments

The Bad:

• Often more expensive than other pricing models if you have a high turnover rate

• Subject to pricing changes, as you’re not in any form of contract

So, Which One Is Better for Your Business Type?

It entirely depends on your business:

• Small businesses or start-ups: A blended rate is usually easier to manage. You always know what you’re paying.

• High-volume businesses (like cafes, barbers, shops): IC++ could work out cheaper, especially if most of your customers pay by debit card.

• Larger or growing businesses: It’s worth comparing both to see where you could save more in the long run.

Top Tip: Ask for a Free Merchant Statement Review

If you’re not sure what you’re currently paying, ask your provider (or us) to review your latest card statement. We’ll break it down for you and show you whether IC++ or a blended rate would be better for your setup.

Final Thoughts

There’s no one-size-fits-all when it comes to card processing fees. The best choice depends on how your business runs, how many card payments you take, and how much you’re processing.

Understanding the difference between IC++ and blended rates could save your business hundreds or maybe even thousands of pounds a year – and it only takes a few minutes to check.

If you would like to learn more or have any questions, feel free to call us for a friendly chat on 01603 339096 or visit https://businesspaymentssolutions.co.uk/

Welcome to our June newsletter, providing you with updates from 1st Aid at Work Training Services with any relevant Health & Safety Executive (HSE) news.

As of May, we are delighted to have joined as a member in Norfolk Chamber of Commerce. We look forward to engaging with other Chamber members over the coming weeks and months.

The Health & Safety Executive (HSE) has recently published advice to raise awareness for the impact of exposure to Asbestos. To coincide with the HSE’s campaign of raising awareness, we can provide video-based e-learning training for Asbestos Awareness and Asbestos Awareness for Architects and Designers, for only £35 (+VAT) per course. For more information on the HSE campaign or to view our e-learning, please visit https://www.firstaidcourses.co.uk/news/items/asbestos-awareness.

Throughout May, we delivered 12 First Aid courses across the UK, providing certification for 85 people. Our courses are delivered at your workplace for up to 12 attendees. If you would like to book a First Aid course, more information can be found here. Alternatively, you can email us on [email protected].

First Aid training you can trust

With over 40 years in First Aid training, we provide the most reliable and effective First Aid courses available. Our expert trainers deliver courses tailored to your specific needs, ensuring your staff are fully prepared for emergency situations.

All our First Aid trainers have many years of experience in teaching First Aid and hold up to date teaching qualifications. FAIB approved and monitored training, Latest protocols from Resuscitation Council UK

On-site First Aid courses throughout the whole UK tailored to your company’s working arrangements.

The things people have said… 

   
Amazing and engaging course. Mary was incredible!

It was brilliant. Time went really fast and I feel like I learned a lot!

Really positive, interactive course, great trainer Mary!

Coercive and controlling behaviour within families has gained significant attention following a series of high-profile Court of Appeal cases. These rulings highlight the challenges in identifying and proving this complex form of domestic abuse in legal proceedings.

Understanding Coercive and Controlling Behaviour in Family Law

Coercive or controlling behaviour in intimate or family relationships has been a criminal offence since the Serious Crime Act 2015. Further protections were introduced through the Domestic Abuse Act 2021. When children are involved—whether they are direct victims or witnesses—the implications are profound. Such abuse can significantly influence decisions regarding contact between the child and perpetrator.

In these situations, family courts may need to decide allegations of coercive control. If substantiated, such findings can affect decisions about the perpetrator’s future involvement with the children.

What is Coercive and Controlling Behaviour?

• Coercive behaviour involves repeated acts intended to harm or instil fear, such as threats, assault, intimidation, or humiliation.
• Controlling behaviour refers to actions that isolate victims, restrict their independence, and dominate everyday aspects of life—like finances, employment, movement, and social contact.

The Court of Appeal emphasised that coercive control is rarely evident from isolated incidents. These actions must be viewed collectively to understand the abusive pattern. A single event could be interpreted as stubbornness or stress, for example, but where there is a pattern over time, it may constitute abuse.

How to Prove Coercive Control in Court

Victims should document each incident meticulously and preserve any supporting evidence, such as messages or photos. Testimony from friends or family who notice behavioural changes or social withdrawal can also support a claim.

Impact of Coercive Control on Children

The Court of Appeal identified several ways in which children can be harmed by coercive control:

• Direct abuse towards the child.
• A victim’s inability to meet the child’s needs due to fear of the abuser.
• A home environment filled with anxiety and fear.
• Exposure to misogynistic or harmful values that shape the child’s worldview.

Legal Support for Victims

As family law solicitors and Resolution members, we routinely assess the risk of domestic abuse, even when it isn’t the primary concern of the client. Once identified, we provide comprehensive legal guidance and support.

For family law advice, contact Hatch Brenner on: 01603 674529

Support Services:

• National Domestic Violence Helpline: 0808 2000 247
• Leeway: 0300 561 0077
• Men’s Advice Line: 0808 801 0327

Cyber attack concerns? You’re not imagining it. You’re just paying attention.

When even M&S and Co-op are getting hacked, it’s probably time to stop relying on the digital equivalent of cling film to keep your business safe.

Cyber attacks are on the rise — and SMEs are firmly in the crosshairs. Why? Because hackers know smaller businesses often have weaker defences (and yes, they will try “password123”).

At Beacon IT, we’re on a mission to make cyber security feel less like a panic button and more like common sense.

✅ Phishing simulations
✅ Password managers
✅ Proper backups
✅ Multi-factor authentication
✅ AI-powered protection (set up by real humans — hi ?)

We break down the risks, the red flags, and the simple steps to keep your business safe — all in plain English, no jargon goggles required.

? Read the full article: https://www.beaconit.co.uk/cyber-attack-concerns
? Or get in touch if you’d rather talk it through.

Because yes — cyber attack concerns are real. But with the right support, so is your peace of mind.

When it comes to managing your finances, choosing the right advisor is crucial. An independent financial advisor (IFA) offers distinct advantages over advisors tied to specific financial institutions. Established since 2004, we’re proud to be an independent financial advisory company based in Norwich, Norfolk.

Here are some key benefits of working with an independent financial advisor.

1. Unbiased Advice

Independent financial advisors are not restricted to a particular bank, insurance company, or financial institution. This means we can offer unbiased recommendations tailored to your unique financial goals and needs, rather than being influenced by sales targets or commissions from specific products.

2. Access to a Wide Range of Products

Unlike advisors affiliated with a single company, independent advisors can access a broad spectrum of financial products, including investment funds, insurance policies, and retirement plans. This diversity allows us to find the best solutions suited to your financial situation.

3. Personalised Financial Planning

Independent advisors take a holistic approach to financial planning. We focus on your long-term financial well-being by considering all aspects of your financial life, including investments, estate planning, tax strategies, and retirement goals.

4. Fiduciary Responsibility

Many independent financial advisors operate as fiduciaries, meaning they are legally obligated to act in your best interest. This ensures that their advice prioritises your financial success rather than their own earnings.

5. Transparent Fee Structure

Advisors are usually remunerated by commission. However we offer a fixed, transparent, fee structure for advice, whereas other firms charge a % fee on the money being invested which means you pay a higher fee the more money you invest.

6. Long-Term Relationships

Because independent financial advisors focus on individualised and a personalised service, we often develop long-term relationships with our clients. We work closely with you over the years, adjusting strategies as your financial situation and goals evolve.

7. Objective Investment Strategies

Without pressure to sell proprietary products, independent advisors can construct investment strategies based on sound financial principles and your specific risk tolerance, rather than pushing investments that benefit their firm.

8. Comprehensive Wealth Management

Independent financial advisors provide a broader range of services beyond investments, such as tax planning, estate planning, and risk management. This comprehensive approach helps you build and preserve wealth effectively.

Conclusions

Working with an independent financial advisor can offer peace of mind, knowing that you are receiving tailored, unbiased, and transparent financial advice. If you value personalised service and a commitment to your best interests, an independent financial advisor may be the right choice for you.

Are you considering working with an independent financial advisor? Take the time to research and find a professional who aligns with your financial goals and values. Speak to us at Brancaster House Financial Planning.

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