THE RESETTLEMENT MAGAZINE
Careers
ELCAS
Explained
Funding
Beyond Limits
Jonny Huntington’s South Pole Adventure
PUBLISHER
Denise Connelly denise@dcpublishing.co.uk
STAFF WRITER
Kate Stevenson
DESIGN AND PRODUCTION
Lucy Baillie lucy.baillie@dcpublishing.co.uk
SALES
Marian Mathieson marian.mathieson@dcpublishing.co.uk
ADVANCE MAGAZINE www.advancemagazine.co.uk
DC Publishing Ltd,
198 Bath Street, Glasgow, G2 4HG Tel: 0844 249 9007
TIf you’d like a free copy of
ransitioning from military to civilian life can be challenging, but with the right support, it can be straightforward. Preparing ahead will help you approach this new chapter confidently, both for yourself and your family.
Inside, you’ll find practical advice and resources tailored to your needs. Learn how military experience can open doors to new careers, connect with supportive
Contents Welcome
TRAINING
9 ELCAS EXPLAINED
The Enhanced Learning Credits scheme could cover the costs of your further education. WORK
6 A NEW PURPOSE
Find out which careers may be a good fit for you.
13 STEERING YOUR FUTURE
Explore the career opportunities in driving and logistics.
14 STEP INTO BUSINESS WITH FRANCHISING
Take control of your future and build a business of your own.
16 SUPPORTING THE DREAM
Choosing a veteran-owned business honours their journey, dedication, and sacrifices.
HOUSING
19 SERVICE TO SETTLEMENT
Explore your housing options.
4 ON THE FRONTLINE OF SUPPORT
Veterans Aid explains how they are addressing the homelessness crisis.
communities, and explore options to make your journey smoother.
This issue highlights how sport and community supports veterans’ mental well-being, housing options for service leavers, and opportunities like franchise ownership. We also speak with paraathlete Jonny Huntington about his upcoming South Pole adventure.
Advance Team
24 FINDING SUPPORT
Learn about the tailored services and support available to you.
30 ESSENTIAL LISTENING
Our must-hear guide for your new civilian life.
FINANCE
21 UNDERSTANDING YOUR ARMED FORCES PENSION
Learn more about your pension entitlements.
INTERVIEW
10 BEYOND LIMITS
Para-athlete and explorer Jonny Huntington on his upcoming South Pole adventure.
27 A LIFELINE FOR HEROES
Veteran community nurse Karen Jamieson tells us more about her vital work.
28 A LEAGUE OF THEIR OWN
The power of sports and community.
On the frontline of support
Homelessness among veterans is reported to be at one of its highest levels. We speak to the CEO of Veterans Aid to find out more
Veterans Aid, a UK-based charity, has been a critical lifeline for ex-service personnel since 1932. Unlike other organisations, Veterans Aid provides immediate, hands-on, and tailored support. Their CEO, Dr Hugh Milroy, says the charity’s MO puts veterans first: “We’re here to catch people before they fall too far, to intervene when others might delay, and to ensure that no one is le struggling on their own. We provide the support that they can rely on in real time.”
VETERANS NEEDS
For 90 years, the charity has been battling homelessness amongst the ex-service community. Like Veterans Aid, Hugh has been passionate about helping veterans ever since he stopped to speak with a man who was rough sleeping near Salisbury Station. He recognised him as a former school friend who had served in the Army. “His story haunted me. Despite being a penniless student, I gave him all I had,” recalls Hugh.
“It brought home that anyone— regardless of their background or service—can find themselves in crisis without a support network. Seeing someone I’d known for so long reduced to begging was horrifying.”
It’s a day that has stuck with Hugh for years, fuelling his “sense of outrage” at the social inequalities veterans face. While he was serving in the Royal Air Force, he continued to study the connection between military service and homelessness. He hoped he could one day make a difference to the “superficial” system: “I see tens of millions being spent on marketing every year while
“We start by providing safe accommodation and then work with them stepby-step”
Dr Hugh Milroy
our veterans struggle to find money for the basics of life,” remarks Hugh. “This is so wrong, and it needs to change. We need to prioritise real support over appearances.”
HOLISTIC SUPPORT
Which is exactly what Veterans Aid does. Their “Welfare to Wellbeing” model is a holistic, person-centred approach that Hugh implemented in 2009. “It’s not about putting people into a one-size-fits-all programme,” he says. “It’s about creating a path that works uniquely for each veteran, based on their challenges, strengths, and the specific help they need to rebuild.”
The charity works with veterans to resolve the root causes of their challenges, whether they involve housing, addiction, or mental health support. “It’s a journey that leads them towards being the best they can be,” explains Hugh. “We start by providing safe accommodation and then work with them step-bystep, supporting them through each phase. We don’t stop until they are truly independent.”
If you are struggling with your transition from the military, Hugh encourages you to reach out: “We are here for all veterans in crisis— regardless of age, ethnicity, rank, gender, location, or length of service. We don’t judge, and we will do our best to help you.”
A NEW PURPOSE
As you make the move out of the military, there’s plenty of careers that suit the range of transferable skills you have gained during service
When transitioning back into civilian life and starting a new career, it is important to ask yourself what you want from a new job. You could pick a path that you have always had an interest in, something that is a personal passion, or one that would be a good fit for your family and social life.
Consider what you need in the work environment, what shi pattern will suit you, and what location is best. You should think about everything, even down to the type of work: would you prefer something more physical or logical? It can be hard to choose what to do next, especially if serving in the Armed Forces is the only full-time role you have ever pursued. Make sure you thoroughly research a few different roles or industries before making a final decision: you could be surprised by what piques your interest a er you start investigating.
HEALTH AND FITNESS
If you’re passionate about your physical health, you might also enjoy helping others achieve their fitness goals. The discipline, determination, and physical fitness instilled in you during military service make the perfect recipe for a successful career in the health and fitness industry. Better yet, if you work in this sector, you can stay fit, have fun and pay your bills! Opportunities in this area are broad and rewarding: you could become a personal trainer, physical therapist or sports coach. If you want to learn more or find out what qualifications you might need, you
can speak to a training provider like Future Fit (www.futurefit.co.uk).
SECURITY
A career in close protection and security is a natural choice for those who excel under pressure and have a strong sense of vigilance. You already possess the tactical expertise and mental resilience needed to safeguard people, assets, and facilities across a range of environments.
A career in this area could mean working in digital security, protection for high-profile individuals, or safeguarding public spaces that require an added layer of security. Courses and licensing for careers in security are available through organisations like the Security Industry Authority (www.gov.uk).
TRANSPORT, DRIVING AND LOGISTICS
With a strong foundation in logistics and transportation, Armed Forces leavers are well-prepared for careers in this sector. If you’ve managed supply chains, operated various vehicles, and coordinated timely deliveries, you may be suited to driving, shipping, rail travel, or logistics roles.
There is a constant demand in this key global sector for skilled professionals like yourself. For training and support, contact the Road Haulage Association (www.rha.uk.net), Logistics UK (www.logistics.org.uk), or Transport Focus (www.transportfocus.org.uk).
TRADES
Skilled trades present excellent opportunities for Armed Forces leavers interested in hands-on, practical careers. Whether you want to become an electrician, plumber, carpenter, or welder, transitioning into the trades can offer financial stability and flexible working options to suit family or part-time schedules. The demand for skilled tradespeople is high, with many industries actively seeking new talent.
Start by exploring local colleges, apprenticeship programmes, or nearby businesses to gain practical experience. The Institute of Apprenticeships and Technical Education (www. instituteforapprenticeships.org) can provide you with valuable resources to get you started.
FRANCHISING AND OWNING A BUSINESS
Many Armed Forces leavers are drawn to entrepreneurship or business ownership, where they can apply leadership, discipline, and resource management skills. Starting your own business will allow you to make use of your strategic thinking, which will be invaluable when you’re managing operations, teams, and resources effectively.
Organisations like the Centre for Entrepreneurs (www. centreforentrepreneurs.org) and Veterans Business Base (www. veteransbusinessbase.org.uk) offer guidance and resources for those interested in starting their own business ventures. If owning a business appeals to you but you’d like a model with built-in support, franchising could be an ideal option.
TRAINING PROGRAMMES
NATR
www.ntar.co.uk
The National Training Academy for Rail (NATR) values your unique skillset. Since 2015, they’ve provided hands-on training for veterans in the rail industry. Their programme will ensure you gain practical experience from industry professionals and are prepared for the demands of modern rail.
TechVets
www.techvets.co
TechVets recognises the strengths veterans bring to tech. They help ex-military personnel build skills in cybersecurity and IT. Their programme offers practical, realworld training, setting you up for a career in a growing industry where your experience is valued.
Building Heroes
www.buildingheroes.org.uk
If you’re interested in construction, Building Heroes offers accredited
training to address the industry’s skills shortage. You will be supported at every stage of your training programme, and be given support to find a role you are truly interested in.
Veterans into Logistics
www.veteransintologistics.org.uk
With a shortage of HGV drivers in the UK, Veterans into Logistics provides ex-service members with HGV training and placement support. The organisation offers comprehensive HGV training and placement support to prepare you for well-paid driving roles with leading logistics companies across the UK.
FIND OUT MORE
If you want to discuss your next steps with a qualified professional, talk to the Career Transition Partnership (www.modctp.co.uk).
Find your future as a Healthcare Professional
Are you ready to make a difference? A career in healthcare offers good future job prospects, income and rewarding work. Could a university course to qualify as a healthcare practitioner be the right choice for you? The University of Plymouth offers a range of courses for 18 varied professional healthcare careers in a wide range of sectors
Support while studying
• Use your ELCAS allowances to help with fees, the University of Plymouth is an approved learning provider.
• Students on a range of our healthcare courses are currently eligible for a training grant from the NHS Learning Support Fund of £5000, with more for selected professions such as Podiatry and Diagnostic Radiography.
• The university support your learning through a range of services including The writing café and our PALS (Peer Assisted Learning Scheme) support scheme.
Job prospects
• Courses are accredited by a range of health regulatory and professional bodies, enabling you to practise on successful completion of your degree.
• Many of our courses have excellent employment rates.
• NHS starting salaries are £29,970 to £36,483 for a typical band 5 role with good opportunities for promotion and part time working.
• Many professions suit private practice and many of our graduates have gone on to own their own business.
Pursue your passion
After a career in the Royal Navy, Rob decided his passion for healthcare had not been fully realised and embarked on a mission to become a highly skilled health professional by studying podiatry as a mature student. “I was working as a full-time
Navy exercise rehab instructor, after completing 27 years of service, I knew that I had to look for something else something that would give me some security as a more mature person and as a mature student.”
“I had to look for something that was going to be suitable for me. The University of Plymouth offered that nice transition from military environment into civilian environment.”
Discover your future at www.plymouth.ac.uk
Rob
ELCAS Explained What you need to know
The Enhanced Learning Credits Scheme will help you pay for education whether you’re currently serving or are a service leaver. We break down what you need to know and eligibility criteria
The Enhanced Learning Credits Scheme, often referred to as ELC or ELCAS, is organised by the Ministry of Defence (MoD). It financially supports serving personnel and service leavers as they pursue up to three years of higher learning and obtain nationally recognised qualifications.
DIRECT PAYMENTS
ELCAS offers direct payments which can fund education or re-training. You can make a total of three claims and you can only make one per financial year. The scheme allows you to claim between £1,000 and £2,000 per year, depending on how long you’ve served, but you may be able to aggregate all three claims at once.
Check the ELCAS website to see the direct funding that you’re eligible for as this is unique to your service experience. There’s a document called JSP 822 which outlines all the factors determining the kind of funding you can access. This can be found on the MoD website. Inside you’ll find all of the relevant information for your application, including how specific circumstances, such as a medical discharge, affect funding eligibility.
FURTHER EDUCATION
Through the Joint Funding Initiative, ELCAS funds service leavers in their qualifying resettlement phase as they pursue up to three years of study for level three qualifications or above on MoD-approved courses. This funding can fully cover further education qualifications
at a full Level 3 or its national equivalent. This refers to the achievement of two GCE A Levels (A2) or a vocational equivalent, as defined by the Regulated Qualifications Framework (RQF) in England or the Scottish Credit and Qualifications Framework (SCQF) in Scotland. A vocational equivalent could include an apprenticeship.
Higher education can also be covered by ELCAS funding for everything from a foundation to an undergraduate degree. You could also study a Higher National Certificate or Diploma. These are tailored towards particular professions, have lower entry requirements than degrees and normally take place at publiclyfunded institutions.
THE APPLICATION PROCESS
Current personnel must submit an ELCAS claim form a minimum of 25
working days prior to their course start date. They will then receive a Claim Authorisation Note (CAN), which they must present to the learning provider of choice before the course commences.
Service leaders must provide evidence of their last day of service, a utility bill showing their home address and full information about their course. These are submitted via the Member’s Area of the ELCAS website to your Single Service Representative. Before you know it, you’ll be on your way to gaining a new qualification.
FIND OUT MORE
To find out more about ELCAS and to access all the forms you need, visit their website at www.enhancedlearningcredits.com
This website also has a search tool for MoD approved courses and institutions.
Beyond Limits
Para-athlete and explorer Jonny Huntington aims to make history as the first disabled person to ski solo and unsupported to the South Pole. In an exclusive interview with Advance, Jonny shares how his military background prepared him for the 911km journey, the challenges he faces, and what drives him to push his limits
Q: In December, you’ll be skiing 911km across the frozen Antarctic tundra in extreme conditions. How are you feeling about it?
A: I’m absolutely terrified. That’s the honest answer. I’ve done all the right training, I’ve been given the green light by people who know the environment, but I’m still nervous because I haven’t done it myself before. I know I’m prepared, but there’s still this unreconcilable anxiety at this stage. At the same time, I know as soon as I put my skis on and wander into the distance, I’ll be fine.
Q: How has the time you spent in the military shaped how
you tackle extreme endurance challenges like your upcoming expedition?
A: The values and standards of the military are ingrained within me – they’re always there. They influence how I approach extreme endurance challenges and cope with them. I actually think the most important thing I learned was how to find humour in the face of adversity. I probably come across as quite serious because a lot of the stuff I do has huge consequences when you don’t take it seriously. Actually, I’m probably schlepping along somewhere cold, thinking, what am I doing here? Like, you bloody idiot, you’ve gone and done
“If you don’t like where you are, work hard to change it”
it again. So, I think having a healthy sense of perspective and finding something positive or funny to laugh at is so important.
Q: How do you deal with failure and setbacks, and bounce back after disappointment?
A: One of the things about military training is that you learn very quickly that if you start taking everything personally, you’ll drown in it. You also learn not to take things to heart. So what if you fail? At least you’re not dead. Failure, in itself, isn’t that useful. What’s useful is conducting proper afteraction reviews and understanding what worked well and what didn’t. That’s how you move forward. Don’t get me wrong. If my expedition to the Pole isn’t successful, I’ll be grumpy for a while, but in the grand scheme of things, it probably doesn’t matter that much. It’s fine to feel bad when something fails, but it’s important to remember that it doesn’t matter that much in the long term.
Q: Since leaving the military, you’ve lived an extraordinary life. How did you end up on such an unconventional path?
A: I’d done a desk job before, and I knew that sitting behind a desk making money for someone else wasn’t enough for me - it wasn’t what I wanted from life. Money’s never been very high up on my agenda, it’s always been more important to me that I enjoy what I’m doing. I mean, my CV looks like a ten-year-old wrote it with a crayon!
When I became physically disabled, it was problematic because it took away the stuff I liked doing. But through military charities, I was able to understand
that I could still do physical stuff, like compete as a para-athlete. Now, I get to become the first disabled person ever to ski solo and unsupported to the South Pole.
Q: The transition from military life to civilian life can feel like a big shock. How did you cope with the adjustment?
A: I found it hard at first, and I really struggled with my mental health. I was so used to working towards something bigger than myself that when I lost that, I felt like I lost my sense of purpose, too. Defending your country and fighting for your friends and family back home is a pretty powerful motivation – it made everything else I did feel less important. Without that motivation, I didn’t know what to do. Truthfully, I was ideating suicide on a regular basis.
I owe a lot to the military charities that supported me during those tough times.
Q: Looking back on everything you’ve done, what would you say is the most valuable lesson you’ve learned along the way?
A: If you don’t like where you are, work hard to change it. It won’t be easy, but if you’re willing to put in the effort and stay focused on your goals, you can make it happen. It’s seriously hard work, but it’s doable. I think the one thing that I’ve learned through all of this is that you can’t sit around and wait for things to happen. You’ve got to make it work for yourself. It’s intimidating, and it’s not easy, but if you put the work in, it’s possible. The one thing I won’t do is blame anyone else for my situation. It’s all about taking ownership and just pushing forward.”
Support Network
Throughout his journey, Jonny has received incredible support from organisations like Team Forces (teamforces.org), the Invictus Games Foundation (www.invictusgamesfoundation. org), Adaptive Grand Slam (www.adaptivegrandslam.com), and the Armed Forces Para Snowsport Team (afpst.co.uk). If you’re inspired by Jonny’s story and ready for your own adventure, visit their websites to see how you can get involved.
Steering your Future
Looking for a new career after leaving the Armed Forces? Driving and logistics could be the perfect match for your skills and experience
ith a wide range of opportunities available, driving or logistics offer a smooth transition and a chance to excel in a thriving industry. Many companies are eager to welcome service leavers, recognising the value they bring.
WHY DRIVING AND LOGISTICS?
Your military experience has equipped you with valuable, transferable skills like discipline, adaptability, and problem-solving. These traits, alongside your ability to work under pressure and make quick decisions, are exactly what’s needed in driving and logistics, where co-ordination and efficient execution are key.
The logistics industry has been growing rapidly in recent years, playing a crucial role in the economy and supply chain. As demand for skilled drivers and supply chain managers continues to rise, this sector offers a rewarding career path for service leavers.
SUPPORT
Transitioning to a civilian career comes with a lot of questions, but there’s no shortage of support available to help you make informed decisions. Logistics and transport organisations can offer valuable insights into the industry and the roles available. The Chartered Institute of Logistics and Transport (CILT) provides networking opportunities and resources that can give you a better understanding of the field. Joining groups like these could also open doors to potential employers. Specialist websites cater to veterans and service leavers seeking employment, such as Forces Recruitment Solutions and the Forces Employment Charity. These job boards often feature roles in the driving and logistics sector, making them a great starting point for your job search.
OPPORTUNITY
Many companies recognise the immense value service leavers bring to the logistics industry. Firms like DHL, Eddie Stobart, Wincanton, and XPO Logistics actively seek ex-military personnel, offering dedicated training and career progression opportunities. These employers value your work ethic and discipline, providing structured training programmes and apprenticeships to help you succeed in your new career.
Gordon Harper, Director at Connect Driver Solutions, highlights the positive experience of employing ex-military personnel:
“Service leavers bring a unique skill set and determination. Their work-ethic, discipline, and ability to adapt quickly make them valuable assets. We’re proud to provide opportunities that help them transition into a successful civilian career.”
THE NEXT STEP
As you begin this new phase of your life, know that the skills and experience you’ve gained in the Armed Forces will serve you well in the logistics industry. With companies eager to welcome you and specialised resources available to guide you, you can confidently take the next steps toward a rewarding career in driving or logistics.
FIND OUT MORE
For
Step into Business with FRANCHISING
Franchising could be the ideal opportunity for you to take control of your future and build a business of your own
When transitioning from military to civilian life, veterans often face a big question: what’s next? Finding a new sense of purpose after service, isn’t always easy, but if you have entrepreneurial ambitions, it could be easier than you think. Franchising is the perfect opportunity to own a business without the daunting prospect of starting from scratch.
CONTROLLED
One of the key reasons veterans excel in franchising is because of the unique set of skills you gain while serving. Leadership, teamwork, resilience, and problem-solving are all fundamental for a successful military career and are equally important in the business world. In fact, these traits can give you an advantage over other potential franchisees. The ability to follow a structured system, manage teams, and make high-pressure decisions also translates into running a franchise. The structure of a franchise
model is also very similar to military life, which veterans before you have found appealing. Unlike starting a completely new business, franchising provides a pre-set framework. From day one, you will receive support, training, and guidance from your franchise company, making the transition smoother.
SAFE
But franchising is not just a business opportunity—it’s a partnership. As a franchisee, you will benefit from a well-known brand’s reputation, customer base, and systems. In return, you’ll follow their proven model and pay franchise fees or royalties.
Of course, every business venture involves risk, but franchising significantly reduces it compared
“It’s not just a business opportunity – it’s a partnership”
to starting a brand-new business. Franchise businesses often have a higher success rate because they come with built-in marketing, training, and business structure. If you’re worried about your earnings after leaving the military, franchising could provide extra financial security at the start of your transition. That said, franchising is not a shortcut to success. It demands dedication, hard work, and a financial investment upfront. You must be prepared for a long-term commitment to the brand and be willing to follow the franchisor’s guidelines, from products to service standards. But if you’re looking for structure, discipline, and teamwork, this setup could be the perfect match.
FIND OUT MORE
To explore franchising opportunities in your area, visit Franchise UK (www.franchise-uk.co.uk) to browse the UK’s largest directory. You can also speak to someone at The UK Government’s Business Support Helpline for further advice on 0800 998 1098
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Supporting the Dream
By choosing to support a veteran-owned business, you are also honouring the journey, dedication, and sacrifices of those who served
Aer years of dedicated service, some veterans continue to serve the public by setting up their own businesses. As entrepreneurs, they use the values and skills they learned in uniform, but enjoy added flexibility with working patterns. Entrepreneurship is not for the faint-hearted, and is o en suited to veterans who love a challenge. In fact, the Federation of Small Businesses found that 6% of companies in the UK are run by exmilitary personnel.
SOLIDARITY
Showing your support to your comrades gives an essential boost to their livelihoods, while also benefitting you. Scott Johnson, the founder of Veteran Owned UK, shares: “Veteran-owned businesses o en have traits that are hard to find elsewhere.” There are lots of characteristics that set their businesses apart: “From high standards to attention to detail, and outstanding customer service –
who wouldn’t want that?”
British Veteran Owned (BVO) was founded by Intelligence Corps veteran Stephen James. The not-for-profit offers a verification scheme for veteran-owned businesses, to raise awareness of the quality service and products available. Stephen James, along with BVO’s CEO Stephen Morgan, agree with Scott, but feel it’s also about recognising veterans’ sacrifices. “Supporting veteranowned businesses is not just a financial transaction – it’s an acknowledgement of our responsibility to help those who have served,” they reflect. The pair believe that helping veterans succeed through their hard work is “a more dignified and lasting form of support” than charitable help.
“By choosing to do business with veteran-owned enterprises, you’re helping veterans build sustainable livelihoods,” they continue. “It’s more than just a commercial venture – it’s a way for them to
make a meaningful impact in a new way.” Supporting these businesses ensures veterans can continue to make a difference, not just in service but in society as a whole.
CHALLENGES
Veteran business owners face different obtacles than civilian entrepreneurs. “Veterans have been ‘out of the loop’ when it comes to business,” explains Scott. This can mean they are older and perhaps don’t have the same connections and industry knowledge as their competitors.
But that’s not necessarily a bad thing. Scott explains: “While veterans may have fewer established business networks, they excel at quickly building strong, trusted relationships.” He adds that military skills like “leadership, discipline, and problem-solving give them a significant edge.”
Funding is another hurdle, though the leadership team at BVO believe it is beatable. “Access to capital can be tough,” they acknowledge, “but
Sco in Afghanistan
veterans are resourceful. There are also many veteran-focused funding programmes, which can transform financial challenges into opportunities for growth.”
COMRADESHIP
Belonging to a community brings a unique strength, and few are as powerful as the veteran community. “When veterans buy from veterans, there is a greater expectation and understanding of their values because of their shared military experience,” proposes Scott.
“The wider public also understands that veteran-owned businesses offer not only excellent service, but also embody values like responsibility, attention to detail, and a strong work ethic,” add BVO. “We’re seeing more civilians actively seeking to do business with veterans because they recognise the quality, professionalism, and dedication that veterans bring to their work.”
GUIDANCE
With a community of veterans ready to support you, why not give your dream a chance?
“Don’t rush into it,” Scott advises anyone considering setting up their own business. “Spend time working
on your business plan so you understand the realities and realistic opportunities available.”
Scott believes that, as with anything in life, owning a business will suit some people more than others: “It’s important that you fully understand the impact it could have, before jumping in head first.”
The BVO team recommends starting small, getting the basics right, like “financials, marketing, and operations, and then scaling up when you’re ready.” This steady approach can make the process feel more manageable.
NEVER ALONE
If you are struggling, BVO urges: “Don’t go it alone. Connect with other veterans, join organisations like British Veteran Owned, and seek mentorship from those who’ve transitioned into business.”
There are also grants, loans, and support programmes specifically created to help veteran entrepreneurs. “Take full advantage of these resources to get your business off the ground,” Stephen James and Stephen Morgan recommend. “And embrace the fact you are a veteran. Your skills and experiences give you a unique edge in the marketplace.”
“It’s an acknowledgement of our responsibility to help those who have served”
INFLUENCE
For both Veteran Owned UK and BVO, supporting veteran-owned businesses is about more than individual success. The focus is also on building a powerful, interconnected ecosystem. Whether you’re a veteran or civilian, it pays to consider the impact of your purchase choices.
In Scott’s words: “People buy from people.” Choosing a veteranowned business isn’t only about purchasing a product or service—it’s about supporting those who have already sacrificed so much, and allowing them to continue making a difference in their post-service lives.
Stephen James (left) and Stephen Morgan (right)
Owning a brand new home in the scenic Leeming Bar area doesn’t have to be just a dream.
Through Shared Ownership with Together Homes, you can part rent, part buy your very own modern and energy efficient home.
Keeper’s Forge is a delightful development of 2, 3 and 4 bedroom homes built to a high specification through our partnership with Wharfedale Homes.
Situated in close proximity to local schools and amenities, this truly is an ideal location to start your 2025.
Northallerton Road, Leeming Bar, North Yorkshire, DL7 9FH
Service to settlement
t’s crucial to start planning your housing arrangements well before you leave the Armed Forces. The first step to consider is factors such as, location, housing type, and affordability. Do you want to remain close to a military community, or start fresh somewhere new? Consider your ties to family, job opportunities, and the type of environment that feels like home. Renting may offer the flexibility to explore different areas, while buying a home could provide long-term stability if you’re ready to put down roots.
Renting
Renting can be a practical choice, offering flexibility without the long-term financial commitment of homeownership. The private rental market provides various options, but it’s competitive. Be prepared for tenancy agreements, deposits, and potential credit checks.
Understanding tenant rights and responsibilities is essential, and organisations like Citizens Advice (citizensadvice.org.uk) can offer support if you need guidance.
Some private landlords also offer reduced rent to veterans, so it’s worth asking when looking at rental options.
Buying
If buying a home is your goal, securing a mortgage as a veteran is possible, and some lenders offer special deals. The UK government’s First Homes Scheme offers new-build
“The first step is to think about location, housing type, and affordability”
Navigating the housing market can be challenging. We explore options for service leavers and provide advice to make the transition smoother
properties with a discount of at least 30%, making homeownership more accessible for eligible firsttime buyers, including veterans. Consulting a mortgage advisor can help you understand your options and guide you through the application process.
Support
As a veteran, you may qualify for priority housing assistance through your local council. Contact them as soon as you know your discharge date, and inform them of your veteran status; councils will prioritise those with urgent housing needs.
Organisations like Veterans Aid (veterans-aid.net), Stoll (stoll.org.uk), and Haig Housing Trust (haighousing.org.uk) also provide housing options, financial assistance, and additional support to help you achieve stable, independent living. Veterans Aid also offer immediate housing assistance for veterans in crisis. Turn to page four to find out more about how they can help you.
Helpful resources
You don’t have to navigate this transition alone. The Defence Transition Services (DTS) and the Veterans Welfare Service (VWS) can provide you with resources and advice, covering everything from renting and buying to social housing eligibility. You can access more information about the DTS and VWS services on the official UK government website at www.gov.uk
FIND OUT MORE
Cobseo, the confederation of service charities, has a directory of housing support organisations that provide advice for veterans and service leaders. You can find this comprehensive list on the Cobseo website www.cobseo.org.uk
Supporting Armed Forces with diverse legal needs
Transitioning from military to civilian life can be complex, with unique challenges in qualifications, family dynamics, and adapting to new roles. Recognising these needs, Biscoes Solicitors offers specialised Biscoes Legal Forces Services to assist current and former Armed Forces members across Hampshire and the Isle of Wight.
Trusted
expertise and partnerships
Biscoes brings extensive knowledge of military regulations and service-related legal issues, supporting Armed Forces personnel through family, employment, and personal legal matters. Endorsed by organisations like the Law Society, Royal British Legion, and SSAFA.
Accessible on-site support
To further its commitment, Biscoes hosts free Legal Advice Clinics at military bases including HMS Nelson, HMS Sultan, HMS Excellent (Whale Island), HMS Collingwood and Marchwood. Follow us on social media for updates on legal clinics.
Biscoes Legal Forces Services addresses diverse legal needs: Military discipline and regulations, Family law (divorce, custody, adoption), Property and employment issues, Wills and probate
Understanding your
Armed Forces Pension
Money Helper’s Senior Policy and Propositions Manager, Anna Sharkey, speaks
Q: For many veterans, transitioning out of service means navigating complex financial decisions—how important is it for them to fully understand their pension benefits during this time?
A: Understanding pensions is essential for future financial planning. As a veteran, it is crucial that you understand what your Armed Forces pension scheme will provide you in retirement, how to access your benefits, and where to go for further help.
The amount in your Armed Forces pension will depend on several factors, including length of service, rank, and type of pension scheme. For example, your pension scheme will vary depending on
when you joined the Armed Forces.
Q: Can you walk us through the steps a service member should take to access their pension information?
A: First, you need to know which scheme you are a member of. There are four different Armed Forces pension schemes, and member booklets are available to explain how and what each of them provides on the gov.uk website: www.gov.uk/guidance/ pensions-and-compensation-forveterans
Most serving personnel will be members of the 2015 scheme (AFPS 15), and in addition to the scheme booklet, you can watch videos to help explain the benefits available.
to Advance
If you were in service up to April 2015, you may be entitled to benefits from the other Armed Forces pension schemes. If you joined before 6 April 2005, you are likely to be a member of AFPS 75.
If you joined between 6 April 2005 and 31 March 2015, you are likely to be a member of AFPS 05.
All members of the Armed Forces pension schemes are entitled to request an annual pension forecast from Veterans UK. You can do this by completing a preserved pension forecast form.
Q: What are some common misconceptions about Armed Forces pensions that veterans should be aware of?
A: Myth one: I won’t get the State Pension.
Many members of the Armed Forces pension scheme believe their Armed Forces pension is instead of their State Pension. However, the basic State Pension is paid in addition to the Armed Forces pension.
To be entitled to the full amount of State Pension, you need to have 35 qualifying years of National Insurance contributions. It’s good to know that these years don’t have to just be from your time in the Armed Forces. You can get a state pension forecast using the gov.uk website or by calling the Future Pension Centre on 0800 731 0175. Myth two: my pension will be frozen if I retire abroad.
This is not true. Armed Forces pensions are claimed and paid in the same way, no matter where you live.
If you do live overseas, you will receive a Life Certificate every three years once your pension is in payment. It is important that this
is completed and returned in line with the instructions. Otherwise, your pension can be paused until this has been received.
Q: How can veterans make the most of additional benefits or resources, especially those who may feel overwhelmed by the process?
A: Help is available to all veterans. A good starting point is the Veterans Welfare Service: www.gov.uk/government/groups/ veterans-welfare-service Things that they can help with include:
• Applying for the War Pension Scheme and the Armed Forces Compensation Scheme.
• Applying for any Armed Forces pension to which there may be an entitlement.
• Giving information and advice about available benefits and help with applications.
• Making referrals to social services or other organisations to apply for their services. This service helps ensure that those leaving the Armed Forces, existing veterans, and their families, receive all the information and assistance they need to access the appropriate services and benefits.
In addition, charities such as the Royal British Legion (www.britishlegion.org.uk)
or Legion Scotland (www.legionscotland.org.uk) will also provide support and guidance.
Q: What advice would you give to veterans feeling uncertain or even anxious about their financial future?
A: Planning, budgeting and understanding personal finances can help you feel less anxious about your situation.
A first step could be looking at the money you have coming in and where you’re spending it. Our MoneyHelper website has a Budget planner tool to help you make and manage a budget: www. moneyhelper.org.uk/en/everydaymoney/budgeting/budget-planner Planning ahead for retirement and understanding your future financial situation can help you feel less uncertain.
We have guides to help you plan for retirement: www.moneyhelper. org.uk/en/pensions-andretirement/taking-your-pension/ checklist-things-to-do-asretirement-approaches
If you’re a veteran struggling with debt and you have missed more than one payment, you must speak to a debt adviser. They’ll be able to tell you about the ways of managing your debts that are open to you, check to see if you could claim any benefits or entitlements,
and provide advice on managing money.
Our MoneyHelper debt advice tool can help find an adviser near you: www.moneyhelper.org.uk/ en/money-troubles/dealing-withdebt/debt-advice-locator
Q: If you could emphasise one thing about their pension to every veteran, what would it be?
A: One important thing is that most people who have served in the military for over 2 years will be entitled to an Armed Forces pension even though they did not contribute directly to it.
And one more – the pension isn’t automatically paid out when a member reaches the scheme retirement date; you will need to actively apply to receive the pension benefits.
This is really important, as there are currently over 14,000 unclaimed Armed Forces pensions, meaning that some veterans are missing out on valuable benefits they’re entitled to.
Finding support
Use our useful breakdown of organisations to find tailored help and support
GENERAL SUPPORT
Offering practical guidance and advice across a range of different areas like money, housing, career support, and mental health, these organisations are a great way to gather valuable information.
Royal British Legion www.britishlegion.org.uk
SSAFA www.ssafa.org.uk
Help for Heroes www.helpforheroes.org.uk
The Veterans Charity www.veteranscharity.org.uk
Veterans’ Foundation www.veteransfoundation.org.uk
Veterans’ Gateway www.veteransgateway.org.uk
Armed Forces Covenant www.armedforcescovenant.gov.uk
Veterans Scotland www.veteransscotland.co.uk
Female Veterans’ Transformation Programme www.fvtp.org.uk
TRAINING
Advance your skills and learn new ones with the help of a dedicated training provider which specialises in support for service leavers.
Career Transition Partnership www.modctp.co.uk
TKF Training www.tk raining.co.uk
UCAS www.ucas.org.uk
CAREERS
Find a new career that you’re passionate about with the help of specialist job boards and charities. Many can also help your spouse or partner find their future role.
Forces Families Jobs www.forcesfamiliesjobs.co.uk
British Forces Resettlement Services www.bfrss.org.uk
Forces Employment Charity www.forcesemployment.org.uk
Salute My Job www.salutemyjob.com
Step Into Health www.militarystepintohealth.nhs.uk
Officers’ Association www.officersassociation.org.uk
MONEY
From learning how to budget to seeking advice around problem debt, all of these organisations offer impartial support free of charge.
Turn2us www.turn2us.org.uk
Citizens Advice www.citizensadvice.org.uk
StepChange www.stepchange.org
MoneyHelper www.moneyhelper.org.uk
Money Advice Trust www.moneyadvicetrust.org
MENTAL HEALTH
The return to civvy street can be overwhelming and stressful. Find support for your mental wellbeing.
Combat Stress www.combatstress.org.uk
Mental Health Foundation www.mentalhealth.org.uk
PTSD Resolution www.ptsdresolution.org
Head Up www.head-up.org.uk
The Contact Group www.contactarmedforces.co.uk
Supporting Wounded Veterans www.supportingwounded veterans.com
HOUSING
Finding a place to live a er leaving the Armed Forces is essential, and you’re not alone in this search. Speak to these organisations if you don’t know where to start.
Shelter www.shelter.org.uk
Haig Housing Trust www.haighousing.org.uk
STOLL www.stoll.org.uk
Help 4 Homeless Veterans www.help4homelessveterans.org
Cobseo www.cobseo.org.uk
Veterans Aid www.veterans-aid.net
DISABILITY
If you were injured during service, or have acquired a disability in another way, there is dedicated support available. These organisations offer a range of help for service leavers.
Blesma www.blesma.org
Care for Veterans www.careforveterans.org.uk
Blind Veterans www.blindveterans.org.uk
Walking With The Wounded www.walkingwiththewounded. org.uk
SOCIAL
Tackle feelings of isolation and loneliness, and connect with other people who have served in the Armed Forces with these social groups throughout the UK.
Armed Forces and Veterans Breakfast Clubs www.afvbc.com
The Ripple Pond www.theripplepond.org
Reconnection Hub www.veteransreconnectionhub. co.uk
Association of Service Drop-In Centres www.asdic.org.uk
www.advancemagazine.co.uk
A lifeline for heroes
Veteran nurse Karen Jamieson draws on her military experience to support veterans facing mental health challenges, including PTSD and depression. She tells us about her work
Supporting the mental health of veterans is essential, especially after service. Karen Jamieson served in the Nursing Corps for 40 years and now works as a Veteran Community Nurse with the charity Help for Heroes. Her experiences have helped her connect with the veterans she speaks to.
“The military experience is unique, and although I was not a front-line soldier, I have been on numerous operational tours,” she shares, adding that she understands why certain smells and noises can be triggering. “Once a veteran realises I am an ex-Army nurse, they open up more fully, and the conversation flows.”
Supportive
Karen regularly works with veterans who have PTSD, depression, anxiety, and adjustment disorders. While military trauma is a major factor for many of these conditions, she says
“Knowing
my involvement makes a difference is so rewarding”
that even adjusting to civilian life can take its toll.
“Many of the veterans I support struggle with the transition after leaving the military,” she reveals. “Adjusting to life as a civilian can be problematic, especially for those who are prematurely discharged on medical grounds or retire after a full career.”
Yet, many veterans are hesitant to seek help: “Opening up about mental health historically was seen as a sign of weakness in the military,” remembers Karen. Thankfully, the stigma is beginning to shift, even if the
process is slow. But knowing who to ask for help from is a separate issue. “When a veteran is in need, they can feel overwhelmed and unsure about who to turn to for help,” explains Karen. “It’s really important to be non-judgemental and focus on building trust and respect. My job is to advise them and refer them to the right services.”
Family focus
But supporting veterans is not just about helping the individual—it’s also about helping their families too: “In my experience, mental health trauma can affect the veteran and the family in equal measures,” Karen tells us.
The strain it places on families can be damaging, with mood swings and behavioural changes often creating stress. “It’s essential that we support the entire family,” she emphasises, noting that a strong support system is often crucial to a veteran’s recovery.
Fulfilling
Through regular home visits, Karen works with veterans and their families to bring a sense of normality back to their lives. Her job isn’t always simple, but each day she positively impacts the lives of her fellow veterans.
“The role is challenging and emotional; the complexities of injuries these veterans have are heartbreaking,” she discloses. “But knowing that my involvement makes a difference is so rewarding. Helping them thrive and enjoy life despite their often catastrophic injuries motivates me daily.”
FIND OUT MORE
For advice and support, contact Help for Heroes at getsupport@helpforheroes.org.uk or visit their website www.helpforheroes.org.uk
Sport offers healing and connection for veterans. David Bygate-Pittiglio, Chairman of the Military Veteran Football Club, shares with Advance how sport and community supports veterans
A League of their own
The value of playing sports a er service cannot be overstated.
Physical benefits aside, joining a local team brings a new sense of community and comradeship that you might have lost since serving.
David Bygate-Pittiglio knows all too well the importance of veteran camaraderie and support, especially on the bad days.
Following his father’s passing, David began to struggle with his mental health: “It was a difficult time,” he remembers. “I developed a lot of anxiety, and I was suffering from panic attacks”.
His wife encouraged him to reach out to members of the Armed Forces community, so she booked him a pitch for a football game with other veterans. It was a windy Thursday night in Sunderland, but 10 of his fellow veterans still turned up for a friendly kickabout. The session was a success, and The Military Veteran Football Club was born.
Now, David helps lead a community with “over 200 veterans accessing sessions
around the country” in a safe, supportive environment.
REWARDING
For many veterans, the club is much more than just a place to play: “The football is what gets people to come initially, but we find that the next time they come back, it’s because they want to be a part of the community we have built,” explains David.
The club’s sessions bring together like-minded people who share similar experiences, and there is an unspoken understanding and bond among the players. “Camaraderie,” muses David, “is what the football club is built on. It’s almost like becoming part of a family.”
Spending time running around
“There is an unspoken understanding and bond among the players”
the pitch can also be very freeing for veterans struggling with anxiety, PTSD, or depression. “Exercise, in general, can help you to manage PTSD and anxiety,” reveals David.
“Our sessions are a safe place where you can come to blow off steam.”
Having a sense of routine can also be vital for dealing with symptoms of PTSD: “It helps to keep me in a good frame of mind,” adds David.
GRATIFYING
What started as a friendly game one cold Sunderland night has “snowballed” into something much bigger than David and his wife. The sessions around the country give veterans a unique sense of purpose and a chance to experience the teamwork and discipline they’ve missed since leaving the military.
It’s more than just football. “Belonging to a community is really important,” says David, “I look forward to the time we spend together every week.”
FIND OUT MORE
To find a session near you, head to www.militaryveteranfootball.co.uk
King Edward VII’s Hospital Centre for Veterans’ Health
King Edward VII’s Hospital Centre for Veterans’ Health in the heart of Marylebone has supported members of the Armed Forces since 1899. Alex Horsfall is British Veteran who served in Northern Ireland, Kosovo and Afghanistan who was the recipient of a Veterans’ Grant for a knee replacement.
It is so heart-warming and uplifting to see organisations such as King Edward VII, still looking out for the well-being of veterans. So for that, and to all at King Edward VII, I say an enormous and heartfelt thank you, from the surgeons, to the nurses, to the radiographers, to the physios and of course to the front of house, who had to put up with my incessant ‘fresh air’ breaks. My knee has slowly but surely healed and I am back up and walking - I can proudly and painlessly stand up straight and salute you all.
”
Read more of Alex’s Story at kingedwardvii.co.uk
learn
Marylebone London
Essential listening
Our must-hear recommendations for podcasts that will guide and support your transition to civilian life
Veteran State of Mind
Hosted by former British Army sniper Geraint Jones, Veteran State of Mind shares firsthand stories from veterans across the UK. Jones invites guests from a variety of military backgrounds to discuss life in the Armed Forces and the transition to civilian life. Topics range from mental health struggles to building new careers after service.
Team Endeavour H2OWorld
Podcast
Military Veterans Podcast
Gavin Watson hosts this podcast which features candid conversations with veterans sharing their personal experiences, both in service and during their transition to civilian life. With firsthand insights, it provides valuable advice on mental health, career changes, and adjusting to life after the military. It’s an excellent resource for anyone navigating post-service life.
Team Endeavour Racing Podcast highlights veterans involved in the motorsport charity Team Endeavour Racing. It not only discusses the fast-paced world of racing but also covers the personal stories of veterans, their transition to civilian life, and how teamwork in motorsport greatly aids in their rehabilitation.
Veterans In Politics Podcast
This podcast explores the impact veterans can have in politics and how their skills and experiences translate to public service. It features interviews with veterans and politicians, focusing on how military training can be applied to leadership roles in civilian life. It’s an inspiring and informative listen for veterans looking to make a difference after their service.
H-Hour Podcast
Hosted by Hugh Keir, a former British Army soldier, this podcast features open and honest conversations with veterans and other guests. It covers everything from life in the military to the challenges of adjusting to civilian life. Packed with firsthand stories and personal reflections and experiences, it’s a must-listen for anyone going through a similar journey.
Mental Health Monday
This podcast hosted by Mike Coyle, covers a range of mental health topics with practical advice and stories from individuals who have faced various challenges and found ways to move forward. It discusses subjects like mental health recovery, well-being, and resilience, offering valuable support for veterans adjusting to civilian life.
FIND OUT MORE Download each series for free on your favourite podcast app and save to your phone so you can listen on the go.
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