PERSONAL WHOLENESS TRUST
ANNUAL REPORT AND FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2024

PERSONAL WHOLENESS TRUST
INDEX
Year ended 31 March 2024
Page
Reporc of the Trnstee5
Independent Examinerfs Report
Statsment of Financial Activtties
Balance Sheet
Note5 to the Financial Statements

PERSONAL WHOLENESS TRUST
REPORT OF THE TKUSTEES
Year ended 31 March 2024
The trustees present their report and financial sratements of the charity for the year ended 31 March 2024.
The financial statements have been prepared in accordance with the accounting policies set out in the notes
to the accounts and comply with the charity's governing documenL the Charities Act 201 l and the relevant
version of the St2tement of Recommended Practice applicable to charities preparing their accounts in
accordance with the Financial Reporting Standard appliCa￿e in the UK and Republic of Ireland (FRS 102).
OBJECTIVES AND ACTIVITIES
The objective of the chancy is to improve people's well-being through car< counselling and training. The
principal activity of the charity is to provide professional care and counselling. Thi5 is achieved by operating a
Counselling Cenire in South Woodford where professional counselling takes place and arranging retreats in
ocher locations. The Centre uses the title "Counsd for Life"
Through carrying out these acuvities the
trustees have had due regard to guidance published by the Chariry Commission on public benefiL
ACHIEVEMENTS AND PERFORMANCE IN THE YEAR
In 2023124, the chariry demonstrated resilience and adaptability in the fxce of ongoing challenges stemming
from a reduction in funding and the cononuing after effeas of Covid-19 pandemic. De5Pite the
unprecedented pressures. we successfully transitioned to a hybrid model. maintaining a strong connection
with our clients through both in-person and digriral plarfornis. The year was marked by our unwavering
dedication to mental health sUPPOrt with a focus on inclusion and affordability and culminaong in the
successful renewal of the charity'5 Accrediration by the 8ACP for another 5 years.
During the year 412 counselling sessions have been held (2023- 431).
FINANCIAL REVIEW
The financial results are shown on page 6. a £15.530 deficit (2023: £10.320 deficit) was achieved. £12.369
deficic on unrestricted activities and £3.161 deficit on restricred acttvities.
The trustees grntefully acknowledge the don2ttons totalling £4.270 (2023: £7,320), without which some of the
activities would not be possiblo In 3ddition to financial donation& many have given time and expertise
without charge.
Funds at 31 March 2024 were £11.763, £10.347 generdl unrestricted funds. £1.416 designated unrestricted
funds and £0 restricted funds. These are primarily represented by debtors. cash at bank and creditors. The
charity's fixed assets, which have a net book value of £889. are the furniture and equipment needed to run
the artivitie5 and administration. The charity has no inve5tmenr&
Reserves policy
The trustees aim to maintain a balance of general unrestricted reserves in cash and bank accounts (where
possible) to equats to 3 months {25%) of annual unrestricted payments excluding those for pilgrimages or
retreats, to cover emergency situations that may arise from time to ume. including making staff redundant
should that be necessary.
Qnerol funds
At 31 March 2024 generdl funds were £10.347 (2023: £9.475)- The reSe￿e policy vns achievedl

PERSONAL WHOLENESS TRUST
REPORT OF THE TRUSTEES
Year ended 31 March 2024
Designoted funds
The rrustees may designate additional unrestritted hjnds to be retained for an agreed purpose where thi5 IS
considered co be prudenL Such designated funds are reviewed on an annual basis and returned to the general
unrestricted fund in the event that the purpose of their designation is no longer considered to be adequate
lustification for their retention. A description of each fund together with the intended use of the fijnd is set
out in note 13. At 31 March 2024 designated funds were £1.416 (2023.. £14.657).
Restricted funds
At 31 March 2024 restrirted funds were £0 (2023.. £3.161). A description of each fijnd together with the
specified use of the fund is set out in note 13.
STRUCTURE, GOVERNANCE AND MANAGEMENT
Governing Document
The charity is controlled by tts governing documents, the trust deed dated 22 January 1990 and the
supplemental trust deed dated 4 April 1997. It is an unincorporated chariry.
Recruitment and Appointment of Trustee5
A list of trustees serving since l April 2022 to the datr of this report Is Set out in the reference 2nd
administrative details below. Clause 14 and I S of the trust deed 5rate that new trustees shall be appointed by
a resolution at a meeting of the trustres at which there is a majority of the trus￿eS present and that new
trustees are required co declare their belief and ￿l￿anCe to the statement of faith set out in the trust deed
schedule.
Management Strurture
Trustees
The trustees meet frequendy and have overnll responsibility for the operntion of the charity. They deal wirh
all i5sue5 relating to the retreats. staffing and policies. The trust*s consider and approve all applications the
charity makes for funding. Both trustees are involved in all decisions and consult3tion5 between them take
place as necessary.
Monagement Advisory Qou
The management advisory group deals with the day co day running of Counsel for Lif& It meets regularly to
manage and review clinical and Operation￿ issues. a5 well as marfceting and finance.
REFERENCE AND ADMINISTRATIVE DETAILS
Charity*s Name: Personal Wholeness Trust
Charity Registration Number 1000837
Principal Address: l O Crescent Road. London. E18 IJ8
Trustees:
During the period the following served as trustees:
Revd. David Blackledge
Revd. Geoffrey Richardson

PERSONAL WHOLENESS TRUST
REPORT OF THE TRUSTEES
Year ended 31 March 2024
The charity regards members of the management advisory group as its key personnel. During the year the
following served:
Revd. David Blackledge
Donna Gardner
Melanie Paterson
James Smith
TRUSTEES, RESPONSIBILITIES
We are required under charity law to prepare financial accounts for each financial year which give a true and
fair view of the state of affairs of the charity and of its incoming and outgoing re50urce5 for that xear.
In preparing those financial statements we are required to:
selett suitable accounting policies and then apply them consistenttr.
observe methods and principles in the Charities SORP.
make judgements and estimates that are reasonable and prude
state whether applicable accounting standards and statements of recommended practice have been
followed. subjert to any deparwres disclosed and explained in the financial statements. and
prepare the financial Statements on a going concern basis unless ir is inappropriate to assume that
the chariry will continue its activities.
We are responsible for keeping proper accounting records which disclose with reasonable accuracy at any
time the financial position of the charity and which enable us co ensure that the financial statements comply
with Charity Law. We are also responsible for safeguarding the charity's assets and hence for taking
reasonable steps tovords the prevention and detecuon of fraud and other irregularities.
This report was approved by the board of trustees on 25 September 2024 and signed on its behalf br.
G Richardson
Trustee

PERSONAL WHOLENESS TRUST
INDEPENDENT EXAMINER'S REPORT
Year ended 31 March 2024
I report to the trustees on my examination of the accounts of the Personal Wholeness Trust for the year
ended 31 March 2024.
RESPONSIBILITIES AND BASIS OF REPORT
As the trustees of the charity you are responsibSe for the preparntion of the accounts in accordance with the
requirements of the Charities Act 2011 (the Att).
I report in respect of my examination of the charit*s accounts carried out under section 145 of the Acc and
in carrying out my examinauon I have followed all the applicable Directions &'ven by the Charity Commission
under settion 145{5)(b) of the ACL
INDEPENDENT EXAMINER'S STATEMENT
I have completed my examination. I confinn that no material matter5 have come to my attention in connettion
with the examination giving me ouse to bdieve that in any material re5
accounting records were not kept in respect of the chariry as required by secuon 130 of the A¢ or
2. the accounts do not accord with those record5; or
the account5 do not comply with the applicable requirements concerning the forni and content of
accounts Set out in the Charities (Accounts and Reports) Regulauons 2008 other than any
requirement that the accouncs gve a true and fair which 15 not a matter considered as part of
an independent examinarion.
I have no concerns and have come across no other matters in connecoon with the examination to which
attenuon should be drnwn in this report in order to enable a proper understanding of the accounts to be
reached.
C L Farndon ACA
10 Mafvir Garden5
Woodford Green
Essex
IG8 9AB
25 September 2024

PERSONAL WHOENESS TRUST
STATEMENT OF FINANCIAL ACTIVITIES
Year ended 31 March 2024
Notes
Unrestricted Restricted
Funds
Funds
Total
2024
Totol
2023
Income from
Donations and legacles
Charitable activities
Investments
Other
4,270
40.772
57
4.270
7.320
25,487
45
1.450
2b
57
2d
Total income
45,099
45,099
34.302
Expenditure on
Charit2ble activiiies
Counselling
Retreats
35.783
24.846
35.783
24,846
43.858
764
3b
Total expenditure
(60.629)
(60,629) (44.622)
Net Income l (expenditure)
Transfers b￿een funds
(15,530)
3.161
(15,530) (10.320)
13
(3.161)
Net movements in funds for the y¢ar
(11369)
(3.161)
(15,530) {10.320)
Reconciliation of funds:
Total funds brought foTh¥ard
24,132
3,161
27,293
37,613
Total funds carried forward
11.763
11.763
27.293
All income and expenditure derive from continuing acuvitie5.
The accompanying notes on pages 8 to 14 are an integral parr of these financial $ta￿rnents.

PERSONAL WHOLENESS TRUST
BALANCE SHEET
Year ended 31 March 2024
Notes
2024
2023
Fixed ￿Sets
Tan&ble fixed ￿setS
10
loo
Current assets
Debtors
Cash at bank and in hand
5,677
10,367
14,858
29,996
16,044
44,854
Creditors: amounts falling due within one year
12
(5.170)
(17,661)
Net current assets
10.874
27,193
Net assets
11,763
27,293
Represented br
Unrestricted revenue fund - generdl
Unrestricted revenue fund - designated
13a
13b
10,347
1,416
9,475
14,657
Total unrestricted fvnds
11,763
24.132
Restricred fvnds
13c
3.161
Total funds
11.763
27,293
The accompanying notes on page5 8 to 14 are an integral parc of these financial statements.
The trustees acknowledge their responsibility for ensuring the chariry keeps proper accounting records in
accordance with the requirements of the Charities Act 2011 a5 more fully set out in the ststement of
Trustees, Responsibilities in the Trustees. ReporL
The financial statements on page5 6 to 14 were approved by the trustees on 25 September 2024 and were
signed on its behalf by:
Revd. G Richardson
Trust

PERSONAL WHOLENESS TRUST
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 March 2024
ACCOUNTING POLICIES
a) Basis of Preparing the Financial Statements
The financial sratements have been preyared in accordance with the relwant version of the Statement of
Recommended pracuce applicable to chariries preparing their accounts in accordance with the Financial
Reporring Standard applicable in the UK and Republic of Irdand (FRS 102) and Charities Acc 201 l and
UK Generally Accepted Accouniing Practice.
The financial statements have been prepared to give a 'true and fair. view and have deparced from the
Charities {Accounts and Reports) Regulxtions 2008 only to the extent required to provide i true and
fair, ￿ew. This deparcure has involved following the relevant version of the Statement of Recommended
Pracuce applicable to charities preparing their accounts in accordance with the Financial Reporting
Standard applicable in the UK and Republic of Ireland {FRS 102) rather than the Accounting and
Reporting by Charities: Statement of Recommended Practice effettive from l April 2005 which has been
since withdrawn.
The financial statemenr5 are presented in sierlin& which is the funttional currency of the charity, and
rounded to the nearest pound sterling.
b) Income
All income is recognised in the Sratement of Financial Activttses once the charity has entitlement to the
incom< it Is probable that the income will be received and the amount can be measured rdiably.
c) Expenditure
Liabilities zre reco￿lsed as expenditure a5 s¢x)n a5 there 15 a legal or construcuve obligation committing
the charity to that expenditu￿ it is probable that a transfer of economic benefirs wlll be required in
settlemenr and the amount of the obligauon can be measured reliably. Expenditure 15 accounted for on
an accruals basis and has been cla$5ified under headings thai ag£regate ail costs related to that category.
Where costs cannot be directiy atEributed to a particular heading they have been allocated to activities
on a basis consistent with the use of resources.
Tangible r￿ed assets and depreciation
Individual items of computer equipment used within the charity with a purchase price of over £250 are
capitalised, items with a purchase price of £250 or less when the a55et 15 acquired are written off as
incurred. Capitalised computer equipment 15 depreciated on a might line basis over 4 years.
e) Taxatlon
The charity is exempt from tax on its charitable actiyttie
Going concern
The financial statements have been prepared on a going concern basis as the trustee5 believe that the level
of funds held and the expected level of income and expenditure for 12 months from the date of
authorising d)ese financial ststements is sufficient for the charirx to be able to continue as a going concern.
g) Fund accountinz
Unre5trirted fund5 can be used in accordance the charitable objecrives at the discretion of the
trustees.
Restrictions arise when specified by the donor or when fund5 are raised for particular restritted
purposes. The aim and use of each restricted fund is set out note 13. It is the policy of the tru5tes
to monitor carefijlly the appliation of those funds in accordance with the restrictions placed upon them.

PERSONAL WHOLENESS TRUST
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 March 2024
g) Jud8ements and estimates
In the application of the accounon8 policie& the trustees are required to make judgements. eSEimates and
assumptions abouc the carrying value of assets and liabilities that are not readily apparent from other
sources. The estimates and underlying assumptions are based on historical experience and other fattors
that are Considered to be relevanL Attual results may differ from these estimates. The escimaies and
underlying assumptions are continually Wdluated. Revisions to accounting esumates are recognised in
the period in which the estimate is revised.
In the view of the trustees there are no sources of estimation uncertainry affecting assets or liabilities ar
the balance sheet dats that are likely to result in a material adjustment to their carryng amounts in the
next flnancial year.
INCOME FROM
Unre5rritted Restricted
Fund
Funds
Total
2024
Total
2023
(a) Donations and legacies
Donations and ￿ft5
4,270
4,270
7.320
4,270
4.270
7,320
(b) Charitable artivities
Counselling fees
Counselling fees - Financial assisrance
Counselling fees - Diocese of Chelmsford
Retreats and seminars
13.630
1.785
7,935
17.422
13,630
1,785
7,935
17,422
15,485
1,705
6.925
1.372
40,772
40,T72
25,487
(c) Investments
Bank interest
57
57
45
57
57
45
(d) Other
Rental income
1.450
1,450
Total income
45.099
45,099
34,302

PERSONAL WHOLENESS TRUST
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 March 2024
EXPENDITURE ON
Unrestricted Restricted
Funds
Funds
Totsl
2024
Total
2023
(a) Charitable artivities
Counselling
Counselling fees
Supervision fees
Clinical lead
Professional subscriptions xnd in5urxnce
Bad debts
Coun5ellor5' training
Other
7.272
4.065
3.960
878
7,272
4.065
3,960
878
8.013
4.247
990
805
385
250
192
192
16,367
19.416
16,367
19,416
14.690
29,168
Allocated support costs (see notes 4 and 5)
35,783
35,783
43,858
(b) Charitable artivities
- Retreats
lona pilgrimage
Wigwam recreats
17,786
1,457
17,786
1,457
310
59,243
5.603
19.243
5,603
310
454
Allocated support cosrs (see notes 4 and 5)
24.846
24,846
764
Total expenditure
60,629
60,629
44.622
TOTAL RESOURCES EXPENDED
Direct
Costs
Support
Costs
Total
2024
Total
2023
Charitable activities
Counselling
Retreats
16.367
19,243
19.416
5.603
35.783
24,846
43.858
764
35.610
25.019
60.629
44.622
10

PERSONAL WHOLENESS TRUST
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 March 2024
SUPPORT COSTS ALLOCATION
Finance, governance and staff costs have been allocated on an estimated time basis of the individuals inyolyed.
All other cost5 have been allocated based on an errimate of how much the resource 15 used by each category.
The allocation is:
Totxl
Total
2024
2023
Counselling
Retreats
Charitable activities
Finance
Governance
3.159
1,035
425
351
3,510
1.150
472
1,346
200
18,341
3.772
1.300
537
2.162
3, 704
18,147
IT
Office
Property
Staff
47
135
20
4,935
180
13,406
19.416
5.603cc
25,019
29.622
STAFF COSTS AND EMOLUMENTS
2024
2023
Gross wages and salaries
Employer's National Insurance contributions
Employerfs pension contribution5
17,953
17.111
388
365
18.341
17.476
No employee received more than £60,CM)O during the year (2023." none).
The total employee benefits of the key management personnel of the chariry were £1,890 (2023: £1.823).
The average number of persons employ￿ during the year
2024
Number
2023
Number
Average number of staff
PENSION COSTS
2024
Number
2023
Number
The chariry operatrs a workplace pension schem&
- number of staff to whom benefits accrued
- costs for the year
365
- contributions outstandlng at year end

PERSONAL WHOLENESS TRUST
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 March 2024
NET INCOME I EXPENDITURE FOR THE YEAR
2024
2023
This is stated after charg4n
Independent Examiner fee re 2024
Independent Examiner fee re 2023
Independent Examiner fee re 2022
Depreciation
1,150
1,050
25Q
100
396
RELATED PARTY TRANSACTIONS
David Blackiedge is the principal of the sole trader business Ontolog. One member of 5tsff work5 for both
the Personal Wholeness Trnst and Ontolog. The payroll 15 run by the Personal Wholeness Trust. The
proporttonate amounts are recharged. to Ontolog. and deducred from the payroll costs. In the financial year
£16,451 was recharged to Ontolog (2023: £15,653) of which £195 w3s outstanding at 31 March 2024 (2023:
£521.
TANGIBLE FIXED ASSETS
Furniture
and
equipment
Cost or valuation
At l April 2023
Addioons
1.639
1,186
At 31 March 2024
1825
Depreciation
At l April 2023
Charge for year
(1.539)
(397)
At 31 March 2024
(1,936)
Net book value
At l April 2023
At 31 March 2024
DEBTORS
2024
2023
Trade debtors
Other debtors
Prepaymenr5
3,165
362
1150
4.061
219
10,578
5,677
14,858

PERSONAL WHOLENESS TRUST
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 March 2024
CREDITORS- DUE WITHIN ONE YEAR
2024
2023
Trade creditor5
Other creditors
Accruals
Deferred income
1.139
1,071
2,880
80
1.903
2.968
12.790
5,170
17,661
13.
FUNDS
- MOVEMENTS IN YEAR
Balance at
1.4.23
Balance at
31.3.24
Income
Expenses
Transfers
(a) General
General
9,475
45.099
(60.629)
16,402
10.347
9,475
45,099
(60,629)
16.402
10.347
(b) Designated
Hardship
14.657
(13,241)
1.416
14.657
(13,241)
1.416
(c) Restricted
Hardship
3.161
{3,161)
3.161
{3,161)
27.293
45.099
(60.629)
11,763
The general fund repre*nts the unresrricted fund5 that are avwlable for the charity ro spend in line wlth their
aims and objectives
De51
nated Funds
Hardship
This fund was created to help those who are unable to afford the full costs of consuEtations. It has been
financed pardy from general giving to the charity and also from surpluses. It will continue to be used in future
years and the rate of rake up will depend on the demand from applicants.
Restricted Funds
Hardship
Thi5 fund was created to help those who are unable to afford the full costs of corisultations. It has been
financed by w'fts given specifically for rhat purpose The fund was fully spent during the year.
13

PERSONAL WHOLENESS TRUST
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 March 2024
ANALYSIS OF NET ASSETS BY FUND
Tot21
2024
Totol
2023
Funds
Funds
Fixed assets
Debtors. accrued income and prepxyments
Cash at bank and in hand
Credttors due wtthin one year
889
100
5,677
14,858
10,367
29.996
(5,170) (17.661)
27,293
5,677
10,367
(5,170)
Net a$5ets
11.763
11.763
PRIOR YEAR COMPARATIVE STATEMENT
OF FINANCIAL ACTIVITIES
Unrestricted
Funds
Restricted
Funds
Tot31
2023
Ineome from
Donations and legacies
Charitsble acttvities
Investments
Other
7,320
25,487
39
1,450
7,320
25.487
45
1,450
Total income
34.296
34,302
Expenditure on
Charitable activities
Counselling
Retreats
43.858
764
43,858
764
Total expenditure
{44.622}
(44,622)
Net income l (expenditure)
Transfers between funds
(10.326)
3.435
(10.320)
(3,435)
Net movements in funds for the year
(6.891)
(3,429)
(10.320)
Reconciliation of funds:
Total funds brought forward
31,023
6,590
37,613
Total funds carrled forward
24,132
3.161
27,293
14