Refirement Board of Directors
Wendy Garcarz
Chair & CEO
Wendy Garcarz is a business strategist, futurist, and author with over 30 years of experience advising blue-chip companies, NHS trusts, and local authorities. But her true passion lies with small businesses—particularly those led by women. Wendy now dedicates her career to supporting female entrepreneurs in building agile, successful, and sustainable businesses at every stage of life.
Neil Thorogood
Director of Finance & Company Secretary
Neil is a business growth specialist and former Chartered Accountant (ICAEW) with over three decades of experience supporting entrepreneurs, charities, and social enterprises.
As the founder of Thorogood & Associates, Neil has advised a wide range of organisations on business planning, performance improvement, and strategic exits.
Jayne Mannox
Director of Training & Personal Development
Jayne is an experienced business lecturer, entrepreneur, and former education manager, with a passion for unlocking potential through training and enterprise. With a background in both corporate PR and educational leadership, she brings a unique blend of strategic insight and hands-on delivery expertise.



