Free marketing advice (funded by the Council) for Worcestershire businesses

With a reopening of the economy its time to review your marketing messages, brand dress, coms and campaigns. For Worcestershire businesses, the Here2Help scheme can give you a kickstart and get your geed up. Book your clinic below.

This hour clinic can help you with any of the following topics:

  • Branding and identity
  • Visual Marketing and Social Media:
    • Claim your identity online.
    • Create (refresh) brand assets.
    • Make a social media plan.
    • Sharpen your messaging.
    • Know your audience and target suitably.
  • Maximising website oomph:
    • Campaigns to get you traffic and eyeballs.
    • Keywords and trends.
    • Search engines optimised.
    • Manage Google My Business profile (largest search database where sometimes people do not leave google page).
  • Advertising and campaigns success:
    • Understand Facebook advertising and Google AdWords.
    • Low-cost ways to promote your business to attract new clients.
    • Kick start campaigns
  • Powering your Email Marketing.
    • Messages to keep customers returning.
    • Informing and enticing.

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Seven 6 second statements on budget detail smaller companies need to know

Information you need to know from the UK budget 2021.

So seven 6 second statements on relevant budget details for smaller companies:

  1. CBILS ends 31 March replaced by Recovery Loan Scheme available to end of 2021. Upto 6 year duration for loans and 3 years for overdrafts and invoice finance. Government guarantee of 80 per cent. Opens on 6 April.
  2. Furlough and self-employed support extended until September.
  3. Restart grants for shops forced to close. £6,000 per premises for closed non-essential outlets. £18,000 for hospitality and leisure businesses.
  4. “Help to grow” scheme with 50% vouchers off digital productivity tools + 90% funded management programme.
  5. Green Bonds and UK Infrastructure Bank opening in spring helping green economy
  6. Self-employed have a further grant. 80% trading profits February to April, max £7500. Fifth grant May to September (80% where 30% fall in sales otherwise 30%). People that filed tax returns for 2019-20 by 2 Mar are now eligible (extra £600k people).
  7. Corporation tax increases from 2023 to 25% where profits £250k. remain 19% where <£50000 profit. Taper corporation tax from £50k to £250k, there above the rate is 25% tax on profits.

Self-employed financial adviser opportunities

Are you a self-employed adviser (ifa) feeling stuck in a rut and want to grow within a dynamic business? Or a qualified overseas adviser seeking premier regulated home for clients?

Join Edale UK and expat financial and investment advisory business.

Edale is providing self-employed advisers the opportunity to join their directly FCA, whole of market firm to cover anywhere in the UK as a digital and flexible investment adviser. We also have a broad range of services and clients from top to toe in the UK and across the world.

We can offer flexible working, primary focus on spend timing with clients, little bureaucracy and generous fee share. Also opportunities to expand into new professions (if you want) – business support and business advising. We have backed new companies that are now standalone enterprises. We are a growing professional service firm.

If you would like to know more, please contact us with contact details, and someone will be in touch.

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    Reasons to move from an international adviser and avoid a DIY approach to financial repatriation to the UK

    We always recommend getting advice with big financial decisions. The same is true for returning to the UK. A UK specialist who understand the nuances of the UK financial system and tax implications is important and something an international adviser may not be familiar. A “Do it yourself” approach is unwise and risky.

    A modern day car is a complicated piece of machinery so people do not service a car themselves. Also you would not get a mechanic in a different country to ensure compliance in your new country. A specialist to look after your car is true for your finances too.

    Reasons to choose a UK adviser with experience of international clients:

    1. Overseas advisers should not advise UK residents unless they are UK regulated.
    2. Advice on UK and international investments, tax accounts, pensions and QROPS.
    3. Options for restructuring assets for tax efficiency.

    Overseas advisers should not advise UK residents unless they are regulated

    Typically, an offshore adviser cannot advise on onshore investments or onshore clients. When Brexit completes the UK financial watchdog, the Financial Conduct Authority, will regain regulatory sovereignty and the ability of overseas firms to passport, allowed under the single market in the EU, will end in its current form. The new arrangement for EU advisers to passport into the UK remains unknown but it’s unlikely to be as flexible as the current arrangements. Advisers outside the UK get no recognition or authority to advise UK retail clients unless they are part of a UK regulated firm, meaning the client misses on lots of protections and insurances. An offshore adviser should partner with a UK firm or the clients should transfer to a UK based adviser on planning, landing or having arrived in the UK.

    Advice on UK and international investments, tax accounts, pensions and QROPS

    Few advisers have the capability to advise on both UK and international accounts and products so this encourages use of Edale – we have experience of UK and international products. You may have opened a range of investments which are specifically available to non-UK residents. These may have tax advantages when not subject to UK tax rules but things can change when back in the UK and you need a local adviser to assist you. You need personal advice to consider what you arrive with and effective plans for going forward.

    It can be possible to maintain offshore and non-UK investments when back in the UK. There could be large tax implications of any gains or income you receive. For example, offshore portfolio bonds should be endorsed to avoid receiving deemed gains on life assurance and capital redemption policies. Deemed gain assumes a gain of 15% of the premium and the cumulative gains for each year the policy has been in force. Further, most offshore regular savings plans are ‘foreign policies of life insurance and foreign capital redemption policies’ so taxed at your income tax rate, however, there are ways to reduce the amount payable with reliefs and financial planning. If you have been resident in the UK with one of these policies we can confidentially provide guidance. We have a longer article on Taxation of offshore life policies on return to UK.

    Overseas pensions or UK pensions transferred abroad (QROPS) need to be considered. If you receive a gratuity finance payment, which is common in Middle East jobs, on leaving that job the money can get some tax reliefs if paid into a pension in the UK. If you have a QROPS and return to the UK you do not need to transfer this back to a UK Scheme (this is a frequent misconception). Any income received from a QROPS will be subject to the tax rules at source as well as the tax rules in the UK (once you become a UK tax-resident). It is important to ensure a tax-treaty between the UK and QROPS home country exists to avoid being excessively taxed in both countries. Malta is a frequent home for QROPS plans and no tax is paid on income from a QROPS in Malta. If you are still working and plan to continue paying into a pension, then a QROPS would not usually allow you to make payments from the UK. The costs of having two schemes (QROPS overseas and UK scheme) may be unwise and advice on consolidation may be worthwhile.

    Options for restructuring assets for tax efficiency

    The impact of your repatriation on investments could be significant. Tax advantages enjoyed working abroad could be lost or penalised when back in the UK. Speak to a UK, FCA regulated financial advisor before repatriation to learn alternative options available, which may offer opportunities for growth or income.

    The implication of early-exit fees and back end loads that can be in a product but you are unaware until you try to leave should encourage you to seek advice so you can consider options and alternatives. Any good UK advisor will clarify any fees you may be stung by on any investments you established while overseas.

    Selling or realising investments and then returning in the same tax year can result in tax charges, for example, capital gains tax in the UK. If repatriating is not part of your original investment decision-making process or plans then you need to consider whether previous plans are now fit for purpose and fitting to the “new normal”.

    The nuances of the financial and tax implications of repatriating to the UK means any international advisor or client should insist on independent advice from a specialist in the UK.

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    UK Treasury funds for innovator firms

    Coronavirus support targeted at innovative business structures of the tech sector has been announced today. Existing coronavirus support for businesses required companies to be profitable as of December 2019 to qualify for help so these new announcements make available funding for innovators. Last updated 20/4/2020.

    There are two main pots of funding:

    • £750 million of loans and grants for innovative businesses available via Innovate UK;
    • £250 million investment fund for high-growth companies to match private sector investment via British Business Bank

    R&D Innovators

    The research and development will support 2,500 already supported by Innovate UK and 1,200 companies not currently supported will also be offered cash. Start-ups and businesses driving research and development will be able to access funding. Each company must pass an “innovation assessment” and no details about this are available currently.

    Historically, the “innovation assessment” has been proposals scoring above a quality threshold (typically scoring over 70%) where 5 assessors score the level of innovation. The Innovation Assessment (Project) is based on 10 dimensions

    A1: Need or Challenge
    A2: Approach and innovation
    A3: Project team and resources
    A4: Market awareness
    A5: Outcomes and route to market
    A6: Wider impacts
    A7: Project management
    A8: Project risks
    A9: Additionality
    A10: Costs and value for money
    Other funding from public sector sources
    Project finance summary


    Future Fund matched investing

    Convertible loans from the “Future Fund” will be open to innovative companies which are facing financing difficulties due to the Coronavirus.

    The Future Fund launches in May 2020 and will be a co-investment fund.


    • Unlisted UK registered company;
    • Raised >£250,000 in aggregate from private third party investors 5 years; and
    • Substantive economic presence in the UK.


    • The Government loan shall constitute no more than 50% of the loan round;
    • The Government loan minimum £125,000 and maximum £5,000,000.
    • Use of funds for working capital only;
    • Automatically convert into equity on  next qualifying funding round at a minimum conversion discount of 20%;
    • A minimum of 8% per annum (non-compounding) interest to be paid on maturity of the loan; and
    • Mature after a maximum of 36 months.

    NB: These terms are subject to change.

    Companies interested in the Future Fund should engage their existing network of private investors to understand if they would be willing to match financing the Future Fund.

    We shall update this page as we learn more.

    Financial Response clinics

    Edale’s mission is to care for financial assets.

    Financial planning is often a lower priority for people. We are in spectacular times where financial planning should be front of mind.

    We’ve opened Financial Response clinics to give anyone free financial checkup on their circumstances. Book any time from 8am to 8pm, any weekday from now on. These are for existing clients of Edale and people new to Edale.  Edale’s (virtual) doors are open to anyone wanting a confidential discussion on their financial plan.

    What should I do with my investment plan? My adviser cannot be reached.Client emailing Edale

    Book your services with Edale through this form.

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    Frequently asked questions

    Who are Edale?
    Edale are a regulated financial adviser and investment firm. The business is based in Surrey, UK but support clients across the UK and abroad.
    I am an expatriate client can we speak?
    Yes, we work with international clients.

    What personal financial planning services do you offer?


    Transactions without advice

    Execution only

    Deal fee + account maintenance

    Edale as gateway to financial markets

    Web tools and product information

    Benefit from institutional partnerships

    Whole service

    For complex financial arrangements, working in partnership with other professional advisers

    Wealth management

    Variable prices

    Complex financial arrangements

    Frequent 1:1 contact

    Monitoring + adjusting financial plan

    Access to the team at any time

    Advice on request

    For client’s needing appropriate financial planning and have a one-off need for advice with no ongoing service.

    On demand

    Pay as you go

    One-off need for advice

    See team via pay-as-you-go model

    Advice on specific circumstances

    Mandate driven by you

    Firms paying sick pay to employees

    Legislation to allow small- and medium-sized businesses and employers to reclaim Statutory Sick Pay (SSP) paid for sickness absence due to COVID-19.

    The eligibility criteria for the scheme will be as follows:

    • this refund will cover up to 2 weeks’ SSP per eligible employee who has been off work because of COVID-19
    • employers with fewer than 250 employees will be eligible – the size of an employer will be determined by the number of people they employed as of 28 February 2020
    • employers will be able to reclaim expenditure for any employee who has claimed SSP (according to the new eligibility criteria) as a result of COVID-19
    • employers should maintain records of staff absences and payments of SSP, but employees will not need to provide a GP fit note
    • eligible period for the scheme will commence the day after the regulations on the extension of Statutory Sick Pay to those staying at home comes into force

    The repayment mechanism for employers has not been created as yet but will be available as soon as possible we understand.

    Business rates support

    There is a package of measures to support businesses with premises registered for business rates:

    1. 12-month business rates holiday for all retail, hospitality and leisure businesses in England.
    2. small business grant funding of £10,000 for all business in receipt of small business rate relief or rural rate relief.
    3. grant funding of £25,000 for retail, hospitality and leisure businesses with property with a rateable value between £15,000 and £51,000.

    Any enquiries on eligibility for, or provision of, the reliefs should be directed to the relevant local authority.

    Support for businesses that pay little or no business rates

    Additional funding for local authorities to support small businesses that already pay little or no business rates because of small business rate relief (SBRR). A one-off grant of £10,000 to businesses currently eligible for SBRR or rural rate relief, to help meet their ongoing business costs. If your business is eligible for SBRR or rural rate relief, you will be contacted by your local authority – you do not need to apply.

    Funding for the scheme will be provided to local authorities by the government in early April 2020.