Smart Independent Financial Advice: Equity Release Specialists of the Year 2024 - North West UK Finance Awards 2024 Red Rock Mortgages Ltd: Most Trusted Mortgage & Protection Advisers 2024 - London Featuring:
About the UK Finance Awards 2024 Phone: +44 (0) 203 970 0010 Website: www.sme-news.co.uk Sofi Parry Senior Editor No information contained on or in this website constitutes investment advice or an offer to invest or to provide management services and is subject to correction, completion and amendment without notice. Neither AI nor any of its associated entities are authorised to give financial advice of any nature nor are they regulated by the Financial Services Authority. Prior to making any investment, AI recommends that any prospective investor should consult with its own investment, accounting, legal and tax advisers to evaluate independently the risks, consequences and suitability of that investment. AI Global Media, Ltd. (AI) takes reasonable measures to ensure the quality of the information on this web site. However, AI will not assume any legal liability or responsibility for the accuracy, correctness or completeness of any information that is available through this web site. If errors are brought to our attention, we will try to correct them. The information available through the website and our partner publications is for your general information and use and is not intended to address any particular finance or investment requirements. In particular, the information does not constitute any form of advice or recommendation by us or any of our partner publications and is not intended to be relied upon by users in making or refraining from making any investment or financial decisions. Appropriate independent advice should be obtained before making any such decision. Any arrangement made between you and any third party named in the site is at your sole risk and responsibility. SME News is proud to announce the UK Finance Awards 2024! For the sixth year running we return to honour the achievements of the top small-to-medium sized enterprises in the UK’s thriving financial services sector. It is well known that the UK is a global financial powerhouse. It is the world’s second-largest exporter of financial services and UK trade surplus in financial and related professional services exceeds £92bn. Additionally, the UK accounts for 38% of global foreign-exchange turnover and hosts around 170 foreign banks in London. These are just a few elements which together contribute to the UK’s status as a major global financial hub. Despite these strengths, however, UK SMEs in the financial services industry have encountered several challenges resulting from a tough macroeconomic environment marked by sluggish growth and high interest rates. There is also a need for financial services firms to enhance digital capabilities, leveraging new technologies such as artificial intelligence, whilst simultaneously strengthening cyber resilience. Alongside these impediments, firms are faced with tackling the evolving compliance pressures of a post-Brexit environment, managing the emergence of FCA regulations such as Consumer Duty and the anti-greenwashing rule. The UK Finance Awards 2024 will highlight those who rise to these challenges, achieving success regardless of what difficulties are presented. As has been shown in the past, the UK financial services sector often sees obstacles as opportunities, and SME News wishes to celebrate those who exhibit this kind of resilience.
Contents 4. Red Rock Mortgages Ltd: Most Trusted Mortgage & Protection Advisers 2024 - London 6. MB Motors: Car Dealer of the Year 2024 - Northern Ireland & Excellence Award for Vehicle Finance Support 2024 - Northern Ireland 8. Smart Independent Financial Advice: Equity Release Specialists of the Year 2024 - North West 9. Beansprout Consultancy Ltd: Most Trusted SME Accountancy Practice 2024 – Bedfordshire & SME Client Service Excellence Award 2024 10. Finance Director Specialists: Best Financial Director Coaching & Mentoring Programme 2024 11. World of Whisky Group: Whisky Investment Manager of the Year 2024 12. Living Life My Style: Leading Authority in Women’s Debt Management 2024 & Excellence Award in Financial Education 2024 13. Goldman Lampe: Best Full-Service Private Bank 2024 - London 14. Northfield Accountancy and Tax Services: Best Accounting & Bookkeeping Enterprise 2024 – Oxfordshire & Excellence Award for Personal Tax Self-Assessment 2024 - Oxfordshire
UK Finance Awards 2024 / 4 Navigating the world of financial services can be a complex affair. Finding an adviser with knowledge and access to the whole market is the key to making the best decisions for you, your family and your business. Incorporated in 2022, North London-based Red Rock Mortgages Ltd holds its clients’ hands from day one, ensuring they feel informed and confident in every decision. We speak with company director and financial adviser, Kishorlal Nakrani, to find out more. For most of us, our home is the biggest purchase (and financial commitment) we’ll ever make. That considered, it’s no wonder that many of us feel daunted by the sheer prospect of searching for the right mortgage or insurance deal. With such a huge range of products on the market, it’s tempting to jump at the first offer or even risk staying stuck, confused by the available choices. But there is a better way. When it comes to finding the right mortgage, using an independent broker can be a game-changer. Unlike many brokers tied to specific lenders, independents such as Red Rock Mortgages have access to the whole market. By taking the time to understand your financial situation, goals and circumstances, an independent broker can find a mortgage best suited to your individual needs. Red Rock Mortgages is committed to establishing an open, understanding relationship with each client from day one. Serving a wide range of clients including firsttime buyers, house movers, product switchers, landlords and seasoned property professionals, every request and interaction is unique. Kishorlal tells us, “Our advisors are all seasoned professionals. We have a deep understanding of the mortgage and insurance landscape and stay up-to-date with industry trends and regulatory requirements. This ensures every recommendation we make aligns with current best practice.” Recognising that no two clients are the same, Kishorlal and the team begin every new client relationship with an in-depth consultation. Once the client’s goals, plans, financial situation and preferences have been revealed, Red Rock Mortgages compares a broad spectrum of lenders and insurers to identify the best solutions. Kishorlal says, “We understand that financial decisions are significant and because of that transparency is essential to building trust. At Red Rock Mortgages, we are upfront about our fees, commission structures, and the terms of each product. We provide clear, unbiased advice, with no hidden charges or surprises.” With client satisfaction as its primary driver, the company only charges a fee once a client is completely satisfied with its services. This commitment reflects Red Rock Mortgages’ confidence in its level of service and offers clients added peace of mind. By taking the time to explain and guide clients through the process with care, the company has built a reputation as a trusted adviser. The staff at Red Rock Mortgages are an integral part of the company’s success. When recruiting, Kishorlal gleans a lot from the first meeting. He says, “Our staff understand our goals and ambitions for Red Rock Mortgages and align their attitudes to success. I am always looking at what new staff members can bring to the company. I look at their ambitions as a person, their personal goals and how they come across. As they say, first impressions tell us a lot about a person.” As well as keeping up to date with market changes, Kishorlal and his team are mindful of the changing financial landscape in the UK and the uncertainty around interest rates. Having a finger on the pulse of national and international changes enables the company to prepare for the ripple effect that often impacts the property market. Although we may not necessarily think of climate change as being a major concern for mortgage brokers, Kishorlal and the team are aware of numerous areas where it may impact their clients. Increased risks of flooding and erosion from extreme weather can impact property values and present insurance challenges. Lenders are increasingly incorporating climate risk into their decision-making. This in turn may reduce options for borrowers in higher-risk areas. As public awareness of climate change issues grows, brokers such as Red Rock Mortgages are pivotal in addressing concerns and providing sound up-to-date advice. Linked to our changing climate and the need to maximise resources is the move to greener homes. As energy efficiency regulations become stricter, buyers are likely to move away from properties that don’t meet green criteria. New ‘green’ mortgages now offer incentives to buyers who choose to buy a more energyMost Trusted Mortgage & Protection Advisers 2024 - London
efficient property or carry out ‘green’ home improvements on an existing property. These can include cashback and preferential interest rates. Red Rock Mortgages helps its clients navigate these and other new offers to find the best product for their circumstances. When buying a property, inevitably our thoughts turn to how to protect our new investment. That’s one of the reasons why Red Rock Mortgages also offers insurance services. Affordable life insurance to protect your family in case of bereavement, critical illness cover and income protection all help to relieve the burden by providing financial support in times of uncertainty. Add quality buildings and contents insurance and you’re covered for every eventuality to give added peace of mind to both you and your family. With the mortgage and insurance landscape in an almost permanent state of flux, it’s all the more important to get impartial advice when searching for your next financial product. Looking to 2025, Kishorlal tells us, “Our vision is to be the most trusted mortgage and protection adviser. We aim to build long-lasting relationships with every client founded on trust, reliability, and ongoing support. We are looking to expand in 2025. As we grow, our commitment remains firmly focused on enhancing the lives of our clients, partners, and stakeholders by delivering excellence in everything we do.” For understanding, knowledgeable and credible advice on mortgages and insurance, reach out to the team at Red Rock Mortgages. Contact: Kishorlal Nakrani Web Address: https://redrockmortgages.uk/
UK Finance Awards 2024 / 6 Finding a quality used car isn’t always as easy as it should be. Scanning ads, motor magazines, websites and main dealers takes time and effort and can still leave you pondering whether you did, in fact, get the best deal. Often, finding a trusted independent used car dealer can be the best and quickest option to ensure you get the most motor for your money. From the beginning, MB Motors in Ballymena has had customer service at its heart. The business, founded by Malcolm in 2009, has come a long way. Employing a small but committed team, the company’s ability to adapt and evolve has resulted in consistent sales growth year-on-year. Today MB Motors is reporting a turnover of more than £9 million. Malcolm tells us, “We’ve worked hard over the past 7 years to get our business to the ‘completed’ stage. I’m extremely proud that we’ve turned something that was essentially a sideline to begin with into a dream business.” With over 1,500 5-star reviews on Facebook and Google, MB Motors has plenty to shout about. As for Malcolm, he is definitely not resting on his laurels. By closely examining and continually improving the service it offers to clients, MB Motors is leading the market as a trusted car dealership. The company is gaining market share from well-known main dealerships. Malcolm wants to ensure his staff are happy too and is always looking for new ways to appreciate and reward their efforts. MB Motors has also added three additional staff members in the last two months. Malcolm says, “We always do the right thing. The public may believe they get the best service from main dealers, but we do it better. Our team is like a family and we’re all invested in making sure every customer has the best possible experience.” Having recently invested in a new modern website, Malcolm and the team are already seeing the benefits. Viewing and treating the website as MB Motors online showroom is paying dividends. The company has seen a marked increase in the number of customers who buy cars without even visiting its dealership. Malcolm’s car-finding service, #SourceIt, benefits from his exceptional industry knowledge and extensive network. The customer can input the details of the type of car they are looking for and their budget, and Malcolm and the team get to work to source a great deal for them. At its new workshop, MB Motors also offers diagnostics, repairs and servicing to both new and existing customers. Malcolm tells us, “My ethos has always been to offer customers the best experience and provide top-class service. Investing in the new website allows us to build trust and brand awareness with a wider audience. We’re adding content to the website that answers questions you might ask when searching for your next vehicle. That means we’re ranking well for relevant locationbased keywords and that brings more people to the site.” Malcolm Beattie has come a long way since running a small lot at the side of his house. In the past 15 years, the Ballymena entrepreneur has grown his business to stock over 100 cars, built a 240m2 workshop and even opened an on-site staff gym. But Malcolm’s success is driven by more than simple business growth. We chat with him about why it’s important to stay upto-date with business trends and his ongoing commitment to the local community. Car Dealer of the Year 2024 - Northern Ireland & Excellence Award for Vehicle Finance Support 2024 - Northern Ireland
Seeing the company as an essential part of the local community, it’s important to Malcolm and the team to enable others to share in their success. Over the past 12 months, MB Motors has donated thousands of pounds to local sports teams, charities and groups. The company have a two Four year deal sponsoring the Belfast Giants hockey team enabling the MB Motors brand to be seen live on TV across Northern Ireland. Malcolm says, “We work with Christian charity, Coaching for Christ, which brings the gospel to children through football. We also sponsor local adult teams including the Ballymena Ladies football team, Ballymena Rugby Club and the hockey club I play for myself, Parkview. I’m very thankful to be in this position and to be able to give back to the community.” But MB Motors doesn’t confine giving back to the community solely to sports. The company is a member of the Ballymena Chamber and dedicates time to helping individuals and families in need. MB Motors also sponsors initiatives such as Christmas dinners and Easter eggs for local families in need, as well as donating £100 for every car sold to Cash for Kids. We also take on the Bangers4Ben challenge each year. Conceived by Car Dealer Magazine as a way of supporting automotive industry charity Ben, the Bangers4Ben challenge has been running for over 15 years. Team members from the industry buy one or more vehicles for £750 or less which they then drive for 4 days, covering over 2000 miles across Europe. The destination changes each year, and in 2024 Malcolm and the team headed for the mythic Swiss Alps. The company enlisted the help of a local street artist and the children at a local school to help MB Motors cars stand out along the route. With a raft of ongoing charity projects and his finger firmly on the pulse of the used motor industry, Malcolm’s plans for the future are simple, “We intend to keep doing what we have been doing over the past years but still constantly trying to improve.” If you’re looking to source your next used car in Northern Ireland, why not contact MB Motors? Contact: Malcolm Beattie Company: MB Motors Web Address: www.mbmotorsni.co.uk
UK Finance Awards 2024 / 8 Equity Release Specialists of the Year 2024 - North West Based in Wirral, Smart Independent Financial Advice is a financial planning firm that specialises in providing clients with independent financial advice. Here, we speak to Director and Independent Financial Adviser Richard Jones to find out more about the company, its mission, and its work. Based in Wirral, Merseyside, Smart Independent Financial Advice provide financial and estate planning advice that’s tailored to your needs. Whether it’s planning for retirement, managing investments, or equity release, they can consider all available options so you can make a fully informed decision on what is right for you. Their goal is to make your financial journey as smooth and stress-free as possible, helping you achieve your goals with confidence. They are also able to review your Will and inheritance tax position and suggest ways to reduce or eliminate this avoidable tax, ensuring your hard-earned assets are protected and passed on efficiently to your loved ones. Richard explains, “We believe everyone should have access to first class independent financial advice and estate planning advice that does not cost the earth. Everyone is unique, with different needs and goals, so we tailor our advice to what you want to achieve”. At Smart Independent Financial Advice, they are proud to offer straightforward advice without any hidden agendas—just honest guidance to help you make the most of your money and build a secure future for yourself and your family. We believe this company's ethos in delivering advice embodies exactly what The UK Finance Awards aim to promote: sound, approachable, and honest advice that puts customers at the heart of every decision. For the second consecutive year, Smart Independent Financial Advice has received recognition, and this year have been recognised in the category of equity release advice, so we are pleased to Award them with, Equity Release Specialists of the Year 2024, North West England at the UK Finance Awards 2023. This prestigious accolade highlights their ongoing dedication to excellence and their commitment to delivering trusted, client-focused equity release advice in the region. They understand that releasing equity from a home is a significant decision that should never be rushed. To ensure clients feel fully informed and comfortable, the firm conducts at least two meetings with each client, allowing ample time to review their advice, consider their options, and ask any questions. They will discuss all available options with their customers before proceeding with equity release. They offer truly whole of market advice, so they can search the entire market to make sure their customer always receives the right solution. This thoughtful, client-first ethos truly sets Smart Independent Financial Advice apart in the industry. Smart Independent Financial Advice is a member of the Equity Release Council, a voluntary body that aims to ensure that its members act with professionalism, integrity, transparency and with expected service levels. Smart Equity Release does not require clients to pay an upfront advice fee. Instead, any advice fee is paid upon completion of the application and the customer has received their funds in their nominated bank account. They understand that releasing equity is a significant decision that should never be rushed. To understand the quality of Smart Independent Financial Advice services, one must simply take a look at Richard’s reviews on VouchedFor, (www.vouchedfor.co.uk), which is home to the Uks most trusted advisers, where he has an impressive five-star rating. For example, one satisfied customer shares, “So pleased I came across his office in. West Kirby. There aren’t many independent financial advisers around and to have somewhere to go whenever I want is something I like. Richard has his door open for enquires and can pop in unannounced on Fridays.” Smart Independent Financial Advice Ltd is an Appointed Representative of New Leaf Distribution Ltd, who are authorised and regulated by the Financial Conduct Authority. Number 460421. Head Office: 165-167 High Street, Rayleigh, Essex, SS67QA. Co registration Number 5520001. Smart Independent Financial Advice Ltd has FCA Number 967978. Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance cannot be used as a reliable prediction of future performance. Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it. Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits. Will writing is not regulated by the Financial Conduct Authority. Contact: Richard Jones Telephone: 0151 673 1780 Company: Smart Independent Financial Advice Ltd Web Address: WWW.SMART-IFA. CO.UK
Bedford-based accountancy and business mentoring practice, Beansprout Consultancy Ltd, helps ambitious business owners get the most out of their companies. Passionate about the importance of knowing your numbers the company’s mantra is ‘numbers, narrative and nurture’. By providing its clients with all the information they need to make informed financial decisions, Beansprout Consultancy builds client relationships to last. We speak with company director, Helen Christopher, to find out more. Most Trusted SME Accountancy Practice 2024 – Bedfordshire & SME Client Service Excellence Award 2024 Incorporated in 2023, Beansprout Consultancy has built a reputation for trust and going that extra mile. Not content to offer purely transactional work, the company maintains regular contact with its clients. By taking the time to understand each client’s dreams and goals, Beansprout Consultancy offers sound bespoke financial advice that enables businesses to move from where they are now to where they want to be. Helen tells us, “We do things the right way and make sure we’re always honest and transparent. We’re huge advocates of building strong networks and communities where clients can support each other and access expert advice. We’ve built a strong community among our clients and have a network of professionals we refer clients to when their queries are outside our remit.” Working mainly with owner-managed businesses in the professional services section, the team at Beansprout Consultancy is serious about ongoing development and learning. Keeping up-to-date with changing technology the company ensures it can help its clients work smarter, not harder. This fits nicely with one of Beansprout Consultancy’s core values – ‘Family’, as the company also assists its clients in ensuring their goals and strategies align with a healthy work/life balance. We ask Helen to tell us about the company’s internal culture. She says, “Our staff are key to the success of the firm. We look for knowledgeable, confident accountants who can build trust and respect with their clients. We recruit based on how candidates align with our values, integrity, adaptability, community, family and curiosity, so they must also be keen to learn and grow.” By building a supportive and familyorientated culture, Beansprout Consultancy fosters a sense of belonging and an environment where everyone is valued. The company is a safe, supportive space enabling staff to try new things and make mistakes in order to grow. With rises in tax and national insurance rates for employers presenting a challenge for its clients, it's more important than ever for Helen and the team to help clients structure their businesses in the most taxefficient way. Helen says, “Rising costs, in general, have put pressure on our clients and it’s hard for them. We’re seeing more need for forecasting, planning and strategy sessions. We’re offering extra support through education, live events, and hosting events for business owners to come together and help each other.” In 2025, Beansprout Consultancy plans to develop a subscription-based business growth hub targeting start-ups and microbusinesses. The hub will offer affordable support from an interdisciplinary panel of business experts. Another exciting new development is the launch of the company’s first online course, ‘Getting to Grips with Limited Company Finance’. Helen explains, “We’ve designed the course for limited company owners who lack confidence in their business finance knowledge. They may feel overwhelmed or as if they’re bluffing their way through. We’re passionate about ensuring business owners have confidence and clarity. We want them to truly understand their numbers and this is an additional way to do that.” The company has also undertaken neurodiversity training to ensure staff can support clients and each other. For further information about working with the team at Beansprout Consultancy, please visit the company website. Contact: Helen Christopher Company: Beansprout Consultancy Ltd Web Address: https://bean-sprout.co.uk/ Jan25070
UK Finance Awards 2024 / 10 Best Financial Director Coaching & Mentoring Programme 2024 Many businessowners know their businesses intricately well, but often fall short when it comes to handling their financials. They tend to shy away from the complexities of numbers and industry jargon, intimidated by what they may not understand. Enter Finance Director Specialists, an exceptional Essex-based company acting as a trusted partner to businesses needing guidance and support in navigating their finances. We learn more from Mark Birchall, Founder of Finance Director Specialists, below. Mark Birchall founded Finance Director Specialists in 2015, with the aim of helping businesses grow and flourish by providing top-tier financial support services. A seasoned professional within the financial industry, Mark felt that there was a gap in the marketplace for an experienced service provider with the capabilities to aid both businesses and their financial teams in gaining ownership of their numbers with accurate, fast reporting. Initially, Finance Director Specialists began with Mark as its sole driver, routinely meeting with businessowners to get a better understanding of the issues they were facing. A decade later and the company has grown substantially, though its mission has always remained the same: to create an open environment that allows businessowners, directors, and finance teams to open up about where their business is, and where they would like it to be. Now an established leader within the financial field, Finance Director Specialists serves a wide array of clientele, ranging from new start-ups and those with an initial concept, to mature businesses in need of succession planning and structural changes to better navigate the evolving economy. The company has worked with clients across numerous industries, including fashion, jewellery groups, car dealerships, printing groups, food production groups, interior fit-out entities, and even largescale construction companies supplying services to local authorities, vet practices, and charities. “We make finance fun!” In the business of integrity, Finance Director Specialists provides transparent numbers with independent advice. Working alongside businessowners and managers who recognise that their current way of working is holding their businesses back, the company meets face-toface with each client to ensure that each project is undertaken with clarity and understanding. From there, the team will structure an action plan containing all issues to be addressed, ranging from strategy, financial board packs, sourcing additional finance, mentoring teams, grooming the business for sale, or working through the many business levers. A trusted partner in the world of finance, Finance Director Specialists undertakes each new project with the grit and determination for which it has become renowned, dedicated to ensuring that every client leaves its care satisfied, educated, and ready to thrive. Committed to client-centricity, the company provides clients with round-the-clock access to a dedicated CFO and flexible work plans that are adapted to the business’s needs, all geared towards helping them to seamlessly navigate any challenges that may arise throughout the process. “You are not assigned to a consultant who uses a tool kit but work alongside someone who has actually been in the business, and met with the many problems a businessowner faces,” Mark explains. “We openly share our work plan to ensure that our clients’ objectives are fully met. We understand the ups and downs of business and are always available to support the growing pains and exit realities of the business world. The entire team works with the ethos that finance can be fun and made enjoyable, even with tight deadlines.” Finance Director Specialists is driven by a highly capable team, with each member possessing at minimum a CIPD Level 7 qualification, foundational qualifications in accountancy, a bachelor’s qualification in accountancy and finance, a Xero diploma, an Internet Business diploma, a PG in Business and Life Coaching, and an MBA, alongside being qualified FCCA accountants, and British Psychometric Society qualified. This diverse skillset enables the team to serve as a beacon of knowledge, providing a comprehensive suite of knowledge and experience that is unparalleled by competing companies, earning Finance Director Specialists the prestigious title of the Best Financial Director Coaching and Mentoring Programme 2024. “Our staff complete at least 50 hours of continuous professional development,” Mark tells us. “We have a can-do attitude and shape each solution to the client, ensuring that both parties can really enjoy the journey to deliver pride, passion, and commitment. These qualities are key, as businessowners need a bubble of protection that allows them to really open up about the challenges of their business. We get the job done with pride, passion, and commitment, making the journey fun and enjoyable.” Contact: Mark Birchall Company: Finance Director Specialists Web Address: https:// financedirectorspecialistsltd.co.uk/
World of Whisky is a whisky collector, broker and sales specialist. The company leverages the combined industry knowledge of its staff to guide clients through their investment journey. Every cask purchase is unique and World of Whisky’s extensive distillery partnerships are pivotal in helping clients build a desirable collection of casks. With Senior Portfolio Managers on hand to advise clients every step of the way, the company connects award-winning distilleries with true connoisseurs. Offering clients the chance to purchase new and rare casks at wholesale prices, World of Whisky makes tapping into the global whisky market a breeze. Neville tells us, “We provide a bespoke service. There’s no ‘one size fits all’. We pride ourselves on listening to clients' wants and needs and selecting the best award-winning distilleries in Ireland and Scotland to fulfil their requirements. We’re professionals who take pride in helping our clients by giving them as much information as possible.” When purchasing one or more whisky casks, the proud owners can choose to hold their investment, resell it, or bottle their whisky under their personal brand. On purchase, clients receive a welcome pack containing a short educational brochure, a director’s letter, and an owner's certificate. The client is also provided with a warehouse certificate and photographs of their casks in the HMRC bonded warehouse. With no capital gains tax levied, and average returns predicted at 8-14% per annum, it’s no surprise that whisky investment is growing in popularity, and World of Whisky is leading the way. If that weren’t incentive enough, the company also offers free distillery visits and exclusive access to whisky-tasting events through its Platinum Membership World of Whisky Club. The company is keen to differentiate itself from less scrupulous and knowledgeable businesses in the industry. Neville says, “With whisky being one of the top-performing assets over the last decade many new companies are entering the market. Unfortunately, some of them are very unprofessional. They are marking up the cask prices unnecessarily, and often employ ‘bully-boy’ sales tactics. We pride ourselves on having an open-door policy for our clients. We’re also licensed by the HMRC. I’d suggest anyone contacted by a company proposing similar services to ensure the business is WOWGR licensed.” Looking forward to the rest of 2025, World of Whisky will be hosting more distillery visits and its first virtual whisky-tasting event. The company also publishes a quarterly whisky investment magazine and offers whisky-tasting gift boxes to its subscribers. Contact: Neville Swann Company: World of Whisky Group Web Address: https://www.worldofwhisky.co.uk/ Owning assets that increase in value over time was once seen as a pursuit of the rich and famous, but not anymore. A London-based whisky investment company has made investing in Scottish and Irish whisky casks accessible to anyone wishing to build a diversified portfolio of investments. With supplies limited, and global demand growing, whisky ownership is a smart consideration for any discerning investor. We speak with World of Whisky director, Neville Swann, to find out more. Whisky Investment Manager of the Year 2024
UK Finance Awards 2024 / 12 Leading Authority in Women’s Debt Management 2024 & Excellence Award in Financial Education 2024 The most impactful coaches are those who have experienced a problem, fought their way out and then turned around to help others. Ursula CarmichaelShtëpënja is one such individual. Finding herself in over £63,000 of debt whilst living on a low-income, Ursula discovered how to evolve financially and never looked back. Today, her company, Living Life My Style, helps other women do the same. We chat with Ursula to learn more about her mission, her clients and her plans for the future. Based in London, Living Life My Style is a financial education and consulting company that empowers women to exchange unhealthy money habits for high-performing financial behaviours. The company specialises in helping clients eliminate debt, save money and build sustainable wealth. Ursula explains, “In many cultures, discussing money is considered taboo. As someone of Caribbean heritage, I understand this deeply, and I help my client by offering financial strategies that are not only effective but also culturally relevant. Living Life My Style merges biblical-based principles with modern financial techniques, ensuring that women’s financial decisions align with their lifestyle, values and beliefs.” Living Life My Style serves women entrepreneurs ready to build profitable businesses, young female professionals who want to make smart money moves early, single mothers managing their family’s finances alone and working women breaking free from paycheque-to-paycheque cycles. “Our mission is simple,” says Ursula. “We help women think differently about money. We provide clear, step-by-step financial strategies to move our clients from financial overwhelm to complete confidence in managing their money.” The company’s signature programme, the 7-step Faith-Filled Financial Freedom Framework, provides a clear and actionable path to financial stability and growth. With an implementation-focused coaching style, Living Life My Style offers hands-on guidance that ensures lasting results. The programme combines judgment-free, in-person, and online support, creating a safe and supportive space for women to thrive. Since beginning her coaching journey in 2019, Ursula has identified one of the biggest challenges facing women today: the overwhelming amount of financial misinformation available. Many women feel discouraged by partial or generic advice that neither aligns with nor addresses the real-life challenges they face—such as balancing motherhood, managing household finances, and navigating unexpected financial changes—all while working towards stability, with no real practical solutions to guide them forward. But here’s the truth—there is a way out. By offering tailored, relatable solutions, Living Life My Style simplifies complex financial concepts, breaking them down into easy-to-follow actionable steps. Ursula firmly believes that with the right environment, guidance and support, women can grow their wealth, strengthen their faith and live a life of abundance. “Our Clients Trust Us because we deliver real results,” says Ursula.“We show them how to pay off debt, grow their savings, invest, unlock cash flow and make money work for their lifestyle. At Living Life My Style, we don’t just teach concepts, we implement strategic systems together.” The culture at Living Life My Style is rooted in compassion, resilience, empathy, and excellence, with a commitment to helping clients make those all-important financial breakthroughs. Looking ahead to 2025 and beyond, Ursula shares her vision for the future: “Our ultimate vision is for every woman we work with to become the CFO of her finances and to create generational wealth in her lifetime for herself and her family. We’re dedicated to creating a revolution of positive change by helping women achieve long-term financial success.” In the coming year, Living Life My Style plans to expand its reach by partnering with a long-standing charity in the Borough of Waltham Forest focused on women’s development. Ursula’s team will offer exclusive financial resources, workshops, community support and coaching. Additionally, they plan to increase their global impact through strategic partnerships and speaking engagements. Email: Ursula Carmichael-Shtepenja Web Address: https://www.livinglifemystyle.co.uk/
Headquartered in Ras al Khaimah, UAE, Goldman Lampe has been providing best-in-class banking services to its clients for over 150 years. The prestigious financial institution has often been recognised for its outstanding performance and award-winning customer service. We take a look at the company, its services and its secrets to success. Best Full-Service Private Bank 2024 - London Goldman Lampe Private Bank specialises in redefining wealth management. In the competitive world of private banking, Goldman Lampe Private Bank stands out as a premier service provider for High Net Worth Individuals (HNWIs). With an unwavering commitment to excellence, the bank offers a comprehensive suite of financial solutions, each crafted to address the unique needs of affluent individuals. The company understands that wealth management is not one-size-fits-all. The financial goals and aspirations of its clients are as diverse as the individuals themselves. Recognising this, the bank has assembled a team of seasoned professionals dedicated to delivering bespoke services that align with each client’s vision. This can include services such as asset management and growth, tax optimisation, and planning for future generations. At the core of Goldman Lampe’s offering is a suite of services designed to empower clients on their wealth management journey. From investment management to estate planning, philanthropy, and wealth preservation, the bank leverages its expertise and global network to deliver exceptional results. Clients benefit from top-tier investment opportunities tailored to their risk tolerance and objectives. To remain ahead of market trends, the bank’s experts use cuttingedge technology to enhance portfolio performance and deliver meaningful returns. Goldman Lampe’s proactive approach ensures its clients can navigate the complexities of today’s financial landscape with confidence. For many, wealth isn’t just about achieving short and medium-term returns, it’s also about creating or sustaining generational wealth as a legacy. Goldman Lampe’s estate planning specialists collaborate with clients to create strategies designed to ensure smooth transition and preservation of assets. By providing holistic solutions including structuring trusts, and optimising tax efficiency, Goldman Lampe helps its clients preserve wealth and support philanthropic endeavours for generations to come. Despite dealing with HNWIs and large sums of money, Goldman Lampe is careful not to lose sight of the details. One recent Trustpilot reviewer remembers feeling a little intimidated when first considering private banking, but her fears were soon allayed. She says, “Goldman Lampe completely put me at ease. They don’t just handle large-scale finances, they also help with everyday money management, like planning for vacations, medical emergencies, and even home renovations. My advisor is incredible. He goes into detail about every recommendation, covering best and worst-case scenarios. When I wanted to invest in a new tech startup, he made sure I understood the potential risks versus the possible rewards.” It’s that personal, bespoke service which makes Goldman Lampe stand head and shoulders above its competition. With transparent fees, knowledgeable and helpful staff and a willingness to always go over and above for its clients, there’s little doubt that Goldman Lampe will be leading the way in private banking for the next 150 years! Contact: Filipp Fedorov Web Address: https://goldmanlampe.com/ Nov24338
UK Finance Awards 2024 / 14 Best Accounting & Bookkeeping Enterprise 2024 – Oxfordshire & Excellence Award for Personal Tax Self-Assessment 2024 - Oxfordshire Northfield Accountancy and Tax Services prides itself on the personal touch. Working with small businesses, entrepreneurs, and high-net-worth individuals, the company differentiates itself in the market through its proactive and accommodating approach. By going the extra mile, in only three years, Northfield Accountancy has earned a reputation as a sound and reliable investment. We chat with managing director, Darren Thomas, to find out more. Based in Witney, Northfield Accountancy is a small family practice offering a wide range of services. The company serves clients across Oxfordshire and Gloucestershire as well as further afield. Northfield Accountancy helps small businesses to grow and thrive by delivering high-quality, cost-effective service. Darren tells us, “We pride ourselves on the quality of the services we provide. We’re happy to go above and beyond. We’re very flexible, often accommodating calls and visits outside of normal office hours to clients' homes or businesses. We also offer some of the lowest fees in the region. All these things make us the logical choice for small businesses in the area.” Core services the company offers include annual accounts preparation, corporation tax returns, personal tax self-assessment support, and company secretarial services. Northfield Accountancy is also recognised as a notable business consultancy and advisory specialist. Darren says, “We’ve gained extensive experience across a range of sectors, including healthcare, e-commerce, travel, cloud-based SaaS provision, and education. This puts us in the ideal position to support small businesses through their early years of growth. We are always on hand to offer advice and guide our clients. In three years of trading, we have never received a negative review or lost a client to a competitor. That speaks volumes about our commitment to high-quality work and great customer service.” The company often attracts clients through local networking events and marketing. That said, most new clients are acquired through referrals and word-of-mouth recommendations. Darren adds, “Our very personal and dedicated approach is best suited to small ownermanaged businesses. We’ve focused to date on growing this element of our client base, rather than targeting large corporate clients. Big corporates bring in the big fees, but our point of difference lies in our personal touch. That’s much more beneficial to individuals and small businesses.” An example of this personal touch is the quarterly company newsletter. Darren and the team designed it to help inform and advise clients about the evolving accounting and business landscape. Current key events include changes to employment taxes announced in the budget and the HMRC’s Making Tax Digital programme. Darren says, “We help our clients address these challenges by providing reassurance and assistance. Our newsletter seeks to address the major changes that might impact business owners by highlighting key deadlines and requirements. It also signposts useful resources, tools and support services. We run one-on-one sessions on Making Tax Digital, to ensure that our clients are well-placed for the transition as it progresses.” At Northfield Accountancy each member of staff plays a critical role in the success of the company and personal skills are highly prized. Whilst other skills can be taught, with client relationships built on friendly and personal service, potential candidates must have a naturally friendly persona and be willing to learn. Looking ahead to the rest of 2025, Northfield Accountancy will continue to solidify its position in West Oxfordshire and look to further expand into neighbouring counties. But Darren is mindful of the pitfalls of moving too fast. In a final word, he tells us, “Our existing client relationships remain as important as ever to us. Our growth will be steady and wellmanaged. This will ensure our existing client base is always well-served.” To find out more, subscribe to the quarterly newsletter, or make an enquiry, please visit the company website. Contact: Darren Thomas Web Address: https://www.northfieldaccountants.co.uk/
Subscribe to SME News Magazine www.sme-news.co.uk/subscribe
www.sme-news.co.ukRkJQdWJsaXNoZXIy NTY1MjM3