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2022-12-31-accounts

Charity number: 1002656

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

UNAUDITED

TRUSTEES' REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2022

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

CONTENTS
Page
Trustees' Report 1 - 14
Independent Examiner's Report 15
Statement of Financial Activities 16
Balance Sheet 17
Notes to the Financial Statements 18 - 33

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT FOR THE YEAR ENDED 31 DECEMBER 2022

The Trustees present their report with the financial statements of the charity for the year ended 31 December 2022. The Trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

The Covid-19 Pandemic situation continued into 2022, with measures taken to contain the virus continuing to affect the Association’s activity. This in turn has implications for financial reporting. The Association does not have paid staff or office premises, and the Trustees continued to work mainly from home, but did hold 3 face to face meetings. One was in March, and held in Lymington Spa, and the others in January and July were held in London. The continued inability of some members to socialize, either locally or nationally, has had a profound effect on their mental health. Regional Organisers have been organising events where and when it is safe to do so. The continued strikes on the railways are also making it difficult for firm plans to be made.

Objectives and activities

a. Objectives and aims

The objectives are to improve the conditions of War Widow(er)s in Great Britain & NI and elsewhere, and their dependents, who may be encountering difficulties.

The WWA is essentially a campaigning organisation that aims to improve the quality of life for War Widow(er)s, Recognised Partners and their dependents in the United Kingdom, Channel Islands and Isle of Man. The WWA aims to be inclusive, to provide a framework for mutual support and to empower widow(er)s to move forward with their lives whilst acknowledging their loss and the contribution that their loved one made.

The WWA’s work is based on three pillars: Campaigning, Caring and Remembering.

b. Campaigning:

We positively engage with the United Kingdom Government and the devolved administrations on matters relating to War Widows(er)s and their dependents, and where necessary, take action to ensure that War Widow(er)s are fairly treated and are not disadvantaged in any way. We continue to lobby to ensure that the War Widows' Pension is recognised as the Compensation that it is. There are on-going historical issues which remain a top priority; to ensure the reinstatement of the War Widow(er)s Pension surrendered through remarriage or on entering into a new relationship for all war widow(er)s. The War Widows’ Association aims to achieve a total disregard of the War Widow(er)s (Compensation) Pension when calculating social care costs and in relation to all means tested benefits. We are seeking to be regarded in a similar way to that of Veterans. We would like to see all areas of assistance which are available to Veterans also made available to War Widow(er)s when suitable.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Objectives and activities (continued)

c. Caring:

The WWA aims to provide social interaction through our regional network. We have 60 Regions each managed by a Regional Organiser (RO). The RO arranges local meetings and get-togethers for the members allocated to their region. At our Committee meeting in August the Trustees discussed the difficulties in appointing new Regional Organisers when one retires. It was decided to canvas the members about their wishes for the caring aspect of our Association. This is a very important topic and was fully discussed at a members engagement session in March 2022, following the AGM. We recognise that there is a need for change and a review is underway and should be completed by December 2023.

Nationally, three annual events are organised; a three-day spring "get together" to coincide with the Annual General Meeting (AGM); the ‘Founders’ Service, and our Act of Remembrance at the Cenotaph in November. We produce a magazine called Courage three times a year. In this magazine we inform members about changes to legislation that affect the Association and provide information about upcoming events and, where appropriate, booking forms are enclosed. All publications are also available in large print or audio version. Birthday cards are sent to members on reaching their 90th birthday, 95th birthday and every year thereafter. During 2020, our website was refreshed and continues to be one source of delivering information to a wider audience. Our social media platform, especially Facebook, Twitter and Instagram continue to be widely used and their usage is increasing, with significant peaks especially occurring during our National Events. Interest is continuing to grow in the secure members' area introduced in 2015. This area of the site is available to members only and is accessed by a username and password.

d. Remembering:

In November 1972, a group of War Widows braved the traffic to place a small cross of white chrysanthemums on the steps of the Cenotaph. This tradition endures and we gather annually at the Cenotaph to join in the War Widows’ Association Act of Remembrance, which is preceded by coffee and followed by a drinks reception and lunch. The WWA organises a plot at the Field of Remembrance at Westminster Abbey, where members can place their personal poppy cross or have it placed on their behalf. There are also plots in Edinburgh and Glasgow. The Association is afforded the privilege of receiving a small number of complementary tickets for the Festival of Remembrance at the Royal Albert Hall, these are passed on to members and where possible to those that have not previously attended. Members take part in the National Service of Remembrance and Parade on Remembrance Sunday at the Cenotaph. The WWA is represented at the National Memorial Arboretum Remembrance and at many local commemorations. The WWA funds the WWA Cross for members invited to represent the Association at local commemorative events.

To advance the campaigning, caring, and remembering work of the WWA we are represented on the MOD Central Advisory Committee on Compensation, the Veterans UK Customer Advisory Group, the Armed Forces Covenant Reference Working Group, External Partners Group, the Defence Bereaved Families Group. The WWA was elected for a second term to the Executive Committee of the Confederation of British Service Charities (Cobseo) in July 2020 for a period of three years.

The Trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit when reviewing the Association's aims and objectives and in planning future activities.

e. Grantmaking

The WWA does not make grants to individuals or groups nor does it undertake welfare initiatives. Its funds are used solely to support the work and aims of the WWA, to encourage the maximum number of our members to attend organised events and to communicate regularly with our less able members.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Achievements and performance

a. Charitable activities

The Trustees continue to concentrate on consolidation and building a good foundation to take the Association forward. As the Association is now in its 51st year, a review of the Association and its Constitution has taken place. Our constitution was updated and voted on at the AGM 2022. This new version of the constitution was passed by members and sent to the Charities Commission for approval. We received their approval and therefore we are now working from the constitution 2022.

The Trustee Information Pack, policies and procedures are regularly reviewed to ensure its currency and relevance. We are at this year concentrating on updating our policies. We have two Trustees working on this and they regularly provide new terms for the Committee of Trustees to confirm.

To continue to mitigate the security risk inherent in publishing personal contact details in our magazine, the WWA postal address is now used for all communications. Due to the pandemic, the WWA purchased a PO Box and the address was disseminated to all members and updated on the website. this ensured that delays receiving hard-copy mail was kept to a minimum.

The WWA has continued to lobby the Government on the historical issues of reinstatement of the War Widow(er)s Pension surrendered through remarriage or on entering into a new relationship and on the disregard of the War Widow(er)s Pension when calculating social care costs. The Chairman continues to seek regular meetings with the Minister with responsibility for Defence Personnel and Veterans. The Association is grateful to the Daily Telegraph and the Daily Express who have supported the Association this year in its campaign for the reinstatement of pension. The Secretary of State for Defence did send a letter to the Treasury in late June 2022 which put forward an alternative ex-gratia payment. The Treasury have yet to respond to this letter. A number of questions have been tabled in the House of Lords and in the House of Commons concerning the reinstatement of pension.

Discussions have begun with the Ministry of Defence about the status of war widow(er)s. We feel that they are still a forgotten cohort and that there ought to be more parity with Veterans.

Through membership of the Armed Forces Covenant Review Group, the Association can ensure that war widow(er)s can benefit from government department schemes to access Housing, Education and Healthcare on the same footing as serving and transitioning Armed Forces personnel.

The WWA continues to maintain a watching brief on the conduct of military inquests and would assert that all coroners conducting military inquests must be properly trained in the special nature of military bereavement.

The WWA continues to work closely with the Royal British Legion, and SSAFA Forces Help and supports their aims to improve conditions for War Pensioners. The WWA continues to build positive working relationships with the three single Service Widows’ Associations. The Association continues to support their aim to improve conditions for bereaved service families.

Members of all ages benefit from social interaction at local and national level. We held a hybrid AGM in March. Members were invited to attend a Families Remembering Day at the National Memorial Arboretum in May and at that time we also welcomed a new bench which gives comfortable seating and a place from which to view our Rose Garden. Members who stayed in local accommodation met on both Friday and Saturday night and enjoyed dinner together. We held our Founder’s service in June at the Guards’ Chapel in London and refreshments were later served in the Officers’ mess. This year for the first time we held a fundraising Black-Tie Ball. This was very successful and raised nearly £8,000. We also held our Remembrance Service on Saturday 12th November at the Cenotaph in London and met for refreshments and lunch at The Royal Horseguards Hotel.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Achievements and performance (continued)

A large number of Members represented the Association at various local Services of Remembrance across the UK in 2022. In 2018 Trustees of the Association agreed that all wreaths laid on its behalf would be in the form of a replica of the War Widows’ Association Cross which is laid at the Cenotaph each year during our Annual Service of Remembrance. The tradition continued in 2022 and the Cross was provided to Members representing the Association at local Remembrance Events. The War Widows Cross is sourced from the Poppy Factory and is funded by the Association for these official events. In 2022, 39 Crosses were sent to Members throughout the UK.

The Opening of the Field of Remembrance at Westminster Abbey was a smaller ceremony in 2022 and there were 6 representatives from the War Widows’ Association in attendance. On behalf of our members, 70 poppy crosses, each one bearing a hand-written message, were planted in the War Widows’ Association plot. Mrs Sue Raw took part in the Field of Remembrance ceremony in Edinburgh and laid a cross on behalf of the Association and Mrs Kate Thomas performed a similar role in Glasgow.

On Saturday 12th November we held our own service at the Cenotaph. We invited guests to join us and to partake in refreshments in the Royal Horseguards Hotel. 125 members and guests attended and seven went on to enjoy the Festival of Remembrance in the Albert Hall in the evening.

The National Service of Remembrance and March Past the Cenotaph on Sunday 13th November saw 35 members represent the Association. They were led by Baroness Fookes the President of WWA Moira Kane, Chairman plus Sue Raw, Secretary, Chris Dziuba, events Trustee.

The National Telephone Line has been steadily busy and on average it receives around twenty calls per week. While many calls are received from members a significant number are received from non-members. There are also many enquiries made online which come to info@warwidows.org.uk and monitored by the Chairman.

Birthday cards have been sent to all members attaining their 90th, 95th and subsequent birthdays.

An official Christmas card signed by all Trustees was sent to all members.

The Association has published three editions of the magazine "Courage", Spring, Summer, and Autumn/Winter. We have not produced colour supplements between production of Courage due to the increasing cost of printing and postage. We have collected many photographs during our 50th year and we have produced a book for members which shows the Association at 50 and it will be sent to them along with a Christmas card in December.

A number of Chairman's information letters have also been published. In common with the general population, we are increasingly an ageing population and more of our members are finding it difficult to attend local and national meetings. The rationale behind increasing the mailings is inclusivity and to maintain contact with all of our members; engagement and contributions to Courage would indicate that our members appreciate the increased contact. The Association continues to explore how we can make our communication more member centric, examining how we can provide members with the communication that they wish. The Association is also exploring the possibility of producing an e-magazine to those members that prefer to be communicated with in this manner. The Chairman writes an introductory letter each month for the website which keeps members up to date with everything she is doing.

The positive feedback from the members and encouraging response to the War Widows in touch project funded by the Armed Forces Covenant Fund Trust suggest that members are engaged and that a hybrid of face to face and virtual communication is the way forward for the Association. We have applied for another grant from the Armed Forces Covenant Trust Fund to increase the number of members who can receive and be trained in the use of an iPad.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Achievements and performance (continued)

The previous major review of the Association's website was completed in 2015, Trustees agreed that a refresh was required and in 2020 working with an external consultant the website received a major overhaul. The Association has continued to develop and consolidate this platform in 2022. ROs and Members continue to be encouraged to sign up and contribute to the secure 'members' area, which contains information specific to members. As with all these things, we have encountered some problems which do require us to look at alternatives and hopefully easier ways for everyone to remain connected.

The Trustees agree to maintain our more streamlined, modern, and professional look; and ensure that the WWA's image is prominent and uniform across the UK.

In addition to refreshing our image the Association continues to adjust and review our marketing strategy. We continue to produce segment-specific advertisements. We continue to maintain our presence in military related publications but develop additional contacts and cultivate a variety of strategies to engage with a wider market.

During 2022 the Association has worked hard to proactively communicate on all social media platforms. This has seen a considerable increase in both Twitter, Facebook, and Instagram followers, helping to raise awareness of the Association, its events and support networks. Our twitter following is now at 2,996 and with celebrity followers we continue to raise awareness of the important work we deliver. Facebook followers are now at 1,862. Our Instagram account is growing more slowly, but we are now at 513 followers.

While the WWA attracted 27 new members from January 2022, it remains evident that further work is needed to raise our public image. A number of new members have been war widows for some time and have only just heard about the Association. 70 members were recorded as deceased during 2022 and a further 49 listed as 'Gone Away'.

The “Knock on the Door” survey which explored the casualty notification and the long-term impact on Military families in the UK has now completed and the report can be read at:

https:www.tandfonline.com/doi/full/10.1080/15325024.2021.2009264

The survey indicated that while many improvements had been made in how a family was told about a bereavement there were still problem areas which should be looked at. Some members had experience problems with their visiting officer whilst others had difficulty in processing the enormous amount of information given to them.

The results from this survey have been turned into a play by a company called Shell Shock. The one act play was previewed in October in the Victory Services Club. It was well acted but it was felt that it did not fully represent the outcome of the investigation. The company were given many ideas as to how it could be improved and there will be another preview in 2023.

The Association has collaborated on two further research projects in partnership with the Northern Hub. Commenced on 1st September 2020 a two-year study funded by Forces in Mind Trust examining Social Isolation and Loneliness in the Military Widowed population. The aim of this study is to explore the experiences of social isolation and loneliness as well as understand services targeting military widow(ers). This study has been completed and we await the final results.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Achievements and performance (continued)

The War Widows in touch project funded by the Armed Forces Covenant Fund Trust commenced on 1st October 2020 and was completed in June 2022. It had three main components:

The Northern Hub completed an evaluation of the WW.it project. It is envisaged that all three pieces of research will help inform future policy development to improve the conditions of War Widows.

Historically, the WWA database of members has included the minimum of information. As the WWA continues to be recognised as the leading representative organisation for widow(er)s of armed forces personnel, during 2022 the Association continued the process of review and refresh of the database and for this purpose all members were sent their personal information which is held and asked if there are any changes or anything which they would like removed. We continue to engage support from ShoNet to cleanse the database and develop a more intelligent platform.

Recent developments with the database include the ability to ‘map’ where members are so that, for example, we can target those without ROs and ensure that they are included wherever possible in Association events. We are now also able to track who has applied to attend our events, which allows us to work more efficiently and ensure fairness of allocation.

To preserve the history of the Association, in 2016 we instigated an initial sift of the archive material held. This work continues. In 2018 the Association secured a permanent home for the ‘archive’ at Staffordshire University to which we continue to add materials. Work is on-going to catalogue the archive, however due to the pandemic this work stalled. The archive has proved valuable as it continues to be accessed by academics completing research. The financial records have now been removed from the archive and are held in safe storage.

The WWA continues to provide a subsidy towards the cost of a regional lunch/afternoon tea organised by the Regional Organiser for all members allocated to their Region. The subsidy is provided twice a year and is £15 per member.

The annual Royal Garden Party at Buckingham Palace was changed this year and did not include military charities. It is hoped that the guest list will return to near normal in 2023. However, we have had the sad loss of our Queen, Queen Elizabeth II and King Charles III may look to make changes. King Charles III has been our patron for many years. We are waiting to hear if he can continue in this role or not. It is hoped members due to attend a Royal Garden party in 2022 will have the opportunity to attend in 2023 and enjoy our usual pre-event light lunch at the Rubens Hotel, jointly hosted by our President and Chairman.

The 'Welcome Pack' designed in 2016, which includes relevant information for new members on the History, our Structure, Contact Details, the Constitution, the Code of Good Practice, the Grievance/Complaints Policy and procedure, the Committee of Trustees and Important Dates continues to be issued to all new members and is in a format that enables it to be updated as the need arises.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Achievements and performance (continued)

During 2018, the WWA began an organisational review, the aim to ensure the longevity and sustainability of the Association and to respond to the demands of the 21st century and an ever-changing society. Following a consultation with members, Trustees agreed to establish a Constitutional Review sub-committee to move this important piece of work forward. The constitution has now been rewritten and voted on at the AGM 2022. The format of the constitution has been changed in accordance with the Charity Commission Guidelines.

The guidance on claiming expenses for attending members’ funerals was also reviewed, agreed, and disseminated.

During 2022 Trustees have attended a number of online training events and webinars.

The Trustees and members wish to express our appreciation and thanks to His Majesty King Charles III for his continued support and encouragement.

The Trustees wish to thank our Regional Organisers and all our volunteers, without whom the Association would function less well.

The Trustees are very grateful to the many organisations who have assisted us during the year and to all those who have supported us in the past.

We are very thankful for the generous donations received throughout this year. Our sincere thanks go to members who have sent donations.

The Trustees are saddened to hear of those members who have passed away during the year.

b. Fundraising activities

In 2022 the WWA received some small legacies and a donation to purchase a new bench at the National Memorial Arboretum.

We received money from the Military Wives Action Group who re-enacted the walk from World War II.

Innovative ways of encouraging donations and receiving funding are constantly being explored as financial pressures increase.

The Association purchased a number of small items for sale to members. These are not intended to make a profit, though sales prices aim to cover the cost of purchase and postage. Thus, they are not considered as a trading activity, but allow members to purchase branded items for use as souvenirs, as publicity or promotional material, or for use as small gifts of thanks.

We continue to have a donate button on our website to make it simpler for individuals wishing to make a donation.

The WWA did not make a Gift Aid claim in 2022. Most income received by the Association is not within the scope of Gift Aid, for example legacies, small donations from unknown individuals and subscriptions.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Achievements and performance (continued)

c. Investment performance

The first of the major investments was acquired between 2008 and 2011. The performance of the investments managers was reviewed by the Finance Sub Committee in October 2022. This meeting was held virtually.

The major investments continue to reflect the challenge of the wider money markets. We are living in very turbulent times and this has seen the amount of revenue accrued through our investment policies decline. Thus, the Trustees will continue to rely upon the experience of Evelyn Partners and Brewin Dolphin. The Trustees agreed to review our portfolios in 2023 and to aim to make our events cost neutral where possible. A finance sub-committee will be established to move this work forward.

d. Internal and external factors

The WWA relies heavily on the voluntary work of the Chairman, Trustees, Committee Assistants and Regional Organisers to achieve its objectives.

Financial review

a. Principal funding sources

The WWA continues to rely upon the income generated from generous bequests of recent years. Other income is derived from life membership subscriptions, sales of branded merchandise, and small donations, often in memory of members who have died. We will be looking at how we can increase our income in March after the AGM.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

b. Investment policy and objectives

In 2010 the Association developed an investment policy to identify funds for use in the short term (2-5 years) and, whilst the level of membership is relatively high, to ringfence funds for the longer term. The Trustees continue to monitor membership numbers and the demographic trends relating to the membership group, so that any significant changes may be reflected in the balance of short term and long-term financial needs. In doing this, the Trustees relied upon the MOD DASA statistics produced in March of each year and the advice of the President, Vice-Presidents, and the external advisers.

The Trustees assessed that the ages of current members continue to reflect those of the wider ex-service population, the majority being those whose husbands served during World War II and the major campaigns of the 1950s, 1960s and as National Servicemen. Since the 1970s there has been a continuous and significant reduction in the number of personnel serving in the Armed Forces. The DASA MOD figures in March 2019 showed that of all widow(er)s in receipt of a war widow(er)s' pension, over 99% were female with 89% over the age of 65.

The number of Association members lost through death due to age and illness is not matched by the acquisition of new members, especially those whose husbands have died as a result of military service in more recent times (post 1982 - Falklands War). The Trustees accept that whilst the number of members may continue to fall, the core work of the Association will continue into the long term in support of younger widow/widowers, civil partners, and their dependents. The Trustees agreed that their spending strategy was in line with the number of current members, their age, and the level of participation at events, and with the prior agreed decisions it was therefore decided to continue the current investment plans.

As a result of the increased capital sum that was being managed by Brewin Dolphin due to the legacy income received in 2015, the volatility that appeared in financial markets towards the latter part of the year and the suitability review Brewin Dolphin were undertaking of all their clients, at the November 2015 Committee Meeting the Board of Trustees reviewed the Association's investment policy with Brewin Dolphin. At this meeting the investment proposals put forward by Brewin Dolphin for the new legacy income were approved, the adoption of the Brewin Dolphin new Risk Level 5 was agreed and the Statement of Investment approved, but with the caveat that the statement on ethical investment should include a reference to the fact that investment in companies directly involved in the manufacture, production or trade in armaments is inappropriate for this Association. The Trustees reviewed this strategy in January 2017 and agreed to make no substantial changes to their strategy. An interim review of the investment portfolio was carried out by Brewin Dolphin during the summer of 2017 and at their committee meeting in August 2017, Trustees agreed to continue with the Risk Level 5 strategy until the next full review planned for January 2019. Subsequently, this investment policy was continued through the remainder of 2019. Due to the volatile financial market in 2019 the financial advisers suggested a further review in January 2020 and the Trustees agreed to this. At the finance meeting in October 2022, it was decided to remain at risk level 5. The Trustees also enquired about ethical values of the company and those they were investing with. Brewin Dolphin subsequently sent an outline of their approach to ethical values.

In October 2022 it was agreed by the Trustees that the investment portfolio that the Association holds with Evelyn Partners should continue to follow their most cautious strategy to provide a greater potential for capital preservation in this period of market uncertainty.

Due to the steep increase in the cost of fuel and accommodation, the Trustees have reviewed the expenses allowances and these new figures took effect after the finance meeting in October.

The Covid virus restrictions continued to have a significant effect upon Association finances in 2022.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

c. Reserves policy

The WWA holds sufficient funds on immediate call and at short notice, to support routine activities for the next 12 months.

The level of reserves on the unrestricted fund is considered sufficient to meet all expected and necessary annual expenditure over the next 5 years subject to the number of members and the level of approved expenditure. It has been the Trustees policy to hold a Finance sub-committee meeting each year to review the investment portfolios and make decisions on spending during the year. To assist with future planning, the Finance SubCommittee meeting was brought forward from January and is held in October; the outcomes of decisions are published to Committee and Regional Organisers by the Trustees.

At 31 December 2022 the total funds comprised of:

Unrestricted: 1,558,171 Restricted: 3,732 Total: 1,561,903

Structure, governance and management

a. Constitution

The Constitution, as approved by the Charity Commission, is the Governing Document of the Association. The latest document is The War Widows' Association of Great Britain (WWA) Amended Constitution and Rules - April 2022.

b. Recruitment and appointment of new Trustees

Trustees are recruited from the membership. Nominations are approved by the Committee of Trustees before being put to a postal ballot of the members and the appointment of successful candidates is announced at the Annual General Meeting. The term of office is three years, with the option of standing for election for a further three years before retiring. In 2022, the Association utilised the Cobseo job site to advertise Trustee vacancies.

c. Organisational structure

The Committee of Trustees is responsible for the strategic management and day-to-day executive management of the WWA and meets a minimum of four times per year. In their work they are supported and advised by three Independent Honorary Advisers, the President and Vice Presidents.

The WWA has members in Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and has some overseas members. The area of operation is divided into sixty regions (including overseas), each with a volunteer Regional Organiser (RO) recruited from the membership. The RO is the first point of contact for members in their area. A Trustee provides Regional Organiser Liaison support to the Regional Organisers.

Trustees and Volunteers do not receive remuneration, only approved out of pocket expenses are paid on production of an expenses claim form and receipts.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Structure, governance and management (continued)

d. Induction and training of new Trustees

New Trustees are given information regarding the duties and responsibilities of Trustees. New Trustees have been asked to attend virtual training run by NCVO which clearly explains all duties and responsibilities of a Trustee. There are also notes and slides are available for future reference to all Trustees in the Shared Google Drive. Training days are organised, and relevant external training may be funded by the WWA.

e. Risk management

The Trustees confirm that they have complied with the duty in section 4 of the Charities Act 2006 to have due regard to the public benefit guidance published by the Charity Commission.

The Trustees refer to guidance issued by the Charity Commission when reviewing the WWA's Aims and Objectives, and are satisfied that systems are in place to mitigate against the risks to which it is exposed.

f. Governance

Under the guidance of the Governance Trustee, the Committee has continued to look at specific areas of governance as suggested in the report compiled by David Whimpenny in 2020. This is ongoing and some of the points raised have been incorporated into the constitution.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Future plans

The War Widows' Association has the following plans for the future:

To work with the United Kingdom Government and devolved administrations to ensure that all members are not disadvantaged by Government policy and where necessary to lobby on their behalf;

To work with the United Kingdom Government and devolved administrations to ensure that the ‘Special Consideration’ provision within the Armed Forces Covenant is recognised and acted upon;

To work with Veterans UK to ensure that all our members receive the service to which they are entitled; To continue to engage with other agencies working in parallel areas to benefit our members;

To maintain a financially strong and well-managed WWA;

To ensure that we have a motivated Committee of Trustees with appropriately skilled people; To forward plan and use an evidence-based approach to the management of the WWA;

To continue to review our election process and secure it for the future;

To continue to make our database more intelligent enabling a more focused service to be provided to our members;

To continue to ensure that our procedures are GDPR compliant; To promote inclusion by reviewing our practice in all areas;

To work with the Regional Organisers to encourage a consistent and appropriate approach to all members;

To reach out to widow(er)s and bereaved partners to inform them of the advantages of being a member of the WWA;

To keep national and local events under review and aim to make them meaningful and accessible to as many members as possible;

To improve communication with members through our magazine, Chairman's Letter and various social media;

To raise the profile of the WWA through improved publicity material, contact with the press, and participation in events such as Armed Forces Day;

To review our cyber security;

To continue work on preserving the history of the WWA through the ‘archive’;

To continue our partnership with Liverpool John Moores University on the War Widows’ Stories Project;

To continue to work with the Northern Hub for Veterans and Military Families at Northumbria University on focused War Widow(er) research;

To seek innovative ways to increase our income, to attract donations and sponsorship.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Reference and administrative details of the Charity, its trustees and advisers

Mrs Moira Kane, Chairman Mrs Sue Raw, Secretary - Mrs Lisa Craig Crawford (resigned 19 March 2022) Mrs Debbie Bowles, Treasurer (resigned 19 March 2022) Mrs Christine Tinker (resigned 19 March 2022) Mrs Christine Dziuba Mrs Irene Wills (resigned 19 March 2022) Mr Terry Whittles Mrs Gemma Polino (appointed 19 March 2022) Mrs Elizabeth Carter, Treasurer (appointed 19 March 2022) Mrs Sylvia Worth (appointed 19 March 2022) - Mrs Eileen Kelly McGregor (appointed 19 March 2022)

Charity registered
number 1002656
Principal office c/o 199 Borough High Street
London
SE1 1AA
Independent Examiner David Boosey BA(Hons) CA
MHA
Victoria Court
17-21 Ashford Road
Maidstone
Kent
ME14 5DA
Bankers CAF Bank Limited
25 Kings Hill Avenue
West Malling
Kent
ME19 4JQ
Royal Patron HRH The King
President Baroness Fookes of Plymouth DBE DL
Vice Presidents The Viscount Younger of Leckie
The Rt Hon Baroness Garden of Frognal PC
The Rt Hon Baroness Crawley of Edgbaston
The Rt Hon Baroness Watkins of Tavistock
Ambassadors
Dame Shirley Bassey DBE
David Domoney C Hort. FCI Hort
Investment Managers Evelyn Partners
45 Gresham Street
London
EC2V 7BG

Page 13

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Brewin Dolphin 12 Smithfield Street London EC1A 9BD Independent Honorary Mr G Hextall CBE - Director Advisers Mrs Angela Knight CBE, Senior Independent Director, Brewin Dolphin plc and Tullett Prebon plc Mrs Lynn Verity - Judge of the First Tier Tribunal

Statement of Trustees' responsibilities

The Trustees are responsible for preparing the Trustees' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England & Wales requires the Trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the Charity and of its incoming resources and application of resources, including its income and expenditure, for that period. In preparing these financial statements, the Trustees are required to:

The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the Charity's transactions and disclose with reasonable accuracy at any time the financial position of the Charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the Trust deed. They are also responsible for safeguarding the assets of the Charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Approved by order of the members of the board of Trustees and signed on their behalf by:

................................................ Mrs Moira Kane Chairman Date: 21 August 2023

Page 14

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 31 DECEMBER 2022

Independent Examiner's Report to the Trustees of War Widows Association of Great Britain ('the Charity')

I report to the charity Trustees on my examination of the accounts of the Charity for the year ended 31 December 2022.

Responsibilities and Basis of Report

As the Trustees of the Charity you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the 2011 Act').

I report in respect of my examination of the Charity's accounts carried out under section 145 of the 2011 Act and in carrying out my examination I have followed the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent Examiner's Statement

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Charity as required by section 130 of the 2011 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a 'true and fair' view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Signed: Dated: 21 August 2023 David Boosey BA(Hons) ACA Independent Examiner For and on behalf of MHA Maidstone United Kingdom

Page 15

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2022

Note
Income from:
Donations and legacies
4
Charitable activities
5
Other trading activities
6
Investments
7
Total income
Expenditure on:
Raising funds
8,9
Charitable activities
10
Total expenditure
Net expenditure before net
(losses)/gains on investments
Net (losses)/gains on investments
Net (expenditure)/income
Transfers between funds
19
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Unrestricted
funds
2022
£
19,271
4,369
8,153
30,345
62,138
18,225
125,682
143,907
(81,769)
(197,155)
(278,924)
(5,404)
(284,328)
1,842,499
(284,328)
1,558,171
Restricted
funds
2022
£
2,000
-
-
-
2,000
-
16,078
16,078
(14,078)
-
(14,078)
5,404
(8,674)
12,406
(8,674)
3,732
Total
funds
2022
£
21,271
4,369
8,153
30,345
64,138
18,225
141,760
159,985
(95,847)
(197,155)
(293,002)
-
(293,002)
1,854,905
(293,002)
1,561,903
Total
funds
2021
£
110,534
1,126
-
58,672
170,332
15,767
169,436
185,203
(14,871)
71,374
56,503
-
56,503
1,798,402
56,503
1,854,905

The Statement of Financial Activities includes all gains and losses recognised in the year.

The notes on pages 18 to 33 form part of these financial statements.

Page 16

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

BALANCE SHEET AS AT 31 DECEMBER 2022

Note
Fixed assets
Tangible assets
14
Investments
15
Current assets
Stocks
16
Debtors
17
Cash at bank and in hand
Creditors: amounts falling due within one
year
18
Net current assets
Total net assets
Charity funds
Restricted funds
19
Unrestricted funds
19
Total funds
1,098
11,678
24,561
37,337
(11,162)
2022
£
974
1,534,754
1,535,728
26,175
1,561,903
3,732
1,558,171
1,561,903
1,650
5,033
107,770
114,453
(13,520)
2021
£
872
1,753,100
1,753,972
100,933
1,854,905
12,406
1,842,499
1,854,905

The financial statements were approved and authorised for issue by the Trustees and signed on their behalf by:

................................................ ................................................ Mrs Moira Kane Mrs Susan Raw

Date: 21 August 2023

The notes on pages 18 to 33 form part of these financial statements.

Page 17

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

1. General information

War Widows Association of Great Britain is an unincorporated charitable organisation, registered in England and Wales in the United Kingdom. The address of the registered office is c/o 199 Borough High Street, London, SE1 1AA.

2. Accounting policies

2.1 Basis of preparation of financial statements

The financial statements have been prepared in accordance with the Charities SORP (FRS 102) - Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2015), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

The financial statements have been prepared to give a 'true and fair' view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a 'true and fair' view. This departure has involved following the Charities SORP (FRS 102) published on 16 July 2014 rather than the Accounting and Reporting by Charities: Statement of Recommended Practice effective from 1 April 2005 which has since been withdrawn.

War Widows Association of Great Britain meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

The financial statements are presented in pound sterling, which is the functional currency of the Charity, and rounded to the nearest £1.

2.2 Going concern

The Trustees assess whether the use of going concern is appropriate i.e. whether there are any material uncertainties related to events or conditions that may cast significant doubt on the ability of the Trust to continue as a going concern. The Trustees make this assessment in respect of a period of at least one year from the date of authorisation for issue of the financial statements and have concluded that the Charity has adequate resources to continue in operational existence for the foreseeable future and there are no material uncertainties about the Charity's ability to continue as a going concern, thus they continue to adopt the going concern basis of accounting in preparing the financial statements.

Page 18

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

2. Accounting policies (continued)

2.3 Income

All income is recognised once the Charity has entitlement to the income, it is probable that the income will be received and the amount of income receivable can be measured reliably.

No amounts are included in the financial statements for services donated by volunteers.

No income in included in the financial statements net of expenditure, apart from small fundraising activities.

No income has been deferred.

Voluntary income includes subscriptions, donations, legacies, some grants receivable and fund raising activities undertaken by individuals, the proceeds of which are subsequently donated to the charity.

Lifetime subscriptions are recognised in full in the year they are received.

Legacies are accounted for as soon as the charity is notified of its legal entitlement, the amount is quantifiable and its receipt by the charity is reasonably certain.

Investments are shown at market value with any unrealised gains or losses shown within the financial statements.

Page 19

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

2. Accounting policies (continued)

2.4 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources. Central staff costs are allocated on the basis of time spent, and depreciation charges allocated on the portion of the asset’s use.

Expenditure on raising funds includes all expenditure incurred by the Charity to raise funds for its charitable purposes and includes costs of all fundraising activities events and non-charitable trading.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the Charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

2.5 Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the Charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

2.6 Tangible fixed assets and depreciation

Tangible fixed assets costing £100 or more are capitalised and recognised when future economic benefits are probable and the cost or value of the asset can be measured reliably.

Tangible fixed assets are initially recognised at cost. After recognition, under the cost model, tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. All costs incurred to bring a tangible fixed asset into its intended working condition should be included in the measurement of cost.

Depreciation is charged so as to allocate the cost of tangible fixed assets less their residual value over their estimated useful lives.

Depreciation is provided on the following basis:

Computer equipment - 33% on cost

2.7 Investments

Fixed asset investments are a form of financial instrument and are initially recognised at their transaction cost and subsequently measured at fair value at the Balance Sheet date, unless the value cannot be measured reliably in which case it is measured at cost less impairment. Investment gains and losses, whether realised or unrealised, are combined and presented as ‘Gains/(Losses) on investments’ in the Statement of Financial Activities.

Page 20

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

2. Accounting policies (continued)

2.8 Stocks

Stocks are valued at the lower of cost and net realisable value after making due allowance for obsolete and slow-moving stocks. Cost includes all direct costs and an appropriate proportion of fixed and variable overheads.

2.9 Debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

2.10 Cash at bank and in hand

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

2.11 Liabilities and provisions

Liabilities are recognised when there is an obligation at the Balance Sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the Charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

2.12 Financial instruments

The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value.

2.13 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtherance of the general objectives of the Charity and which have not been designated for other purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the Charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

3. Critical accounting estimates and areas of judgement

No key judgements (apart from those involving estimates as disclosed in the notes above) have been made in the process of applying the above accounting policies.

Page 21

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

4. Income from donations and legacies

Unrestricted
funds
2022
£
Donations
18,951
Legacies
100
Grants
-
Subscriptions
220
Total 2022
19,271
Total 2021
63,974
Restricted
funds
2022
£
-
-
2,000
-
2,000
46,560
Total
funds
2022
£
18,951
100
2,000
220
21,271
110,534
Total
funds
2021
£
24,904
31,000
54,560
70
110,534

5. Income from charitable activities

Unrestricted
funds
2022
£
Income from charitable activities - Sale of goods
302
Income from charitable activities - Activities to benefit war
widows
4,067
Total 2022
4,369
Total
funds
2022
£
302
4,067
4,369
Total
funds
2021
£
40
1,086
1,126

6. Income from other trading activities

Income from fundraising events

Unrestricted Total Total
funds funds funds
2022 2022 2021
£ £ £
Fundraising events 8,153 8,153 -

Page 22

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

7. Investment income

Unrestricted
funds
2022
£
Dividends accumulated
30,253
Deposit account interest
92
Total 2022
30,345
Total
funds
2022
£
30,253
92
30,345
Total
funds
2021
£
58,665
7
58,672

8. Expenditure on raising funds Costs of raising voluntary income

Unrestricted
funds
2022
£
Cost of fundraising events
3,230
Total 2021
103
Total
funds
2022
£
3,230
103
Total
funds
2021
£
103

9. Investment management costs

Unrestricted Total Total
funds funds funds
2022 2022 2021
£ £ £
Investment management fees 14,995 14,995 15,664

Page 23

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

10. Analysis of expenditure on charitable activities

Summary by fund type

Unrestricted
funds
2022
£
Sale of goods
354
Memorials
823
Activities to benefit war widows
124,505
Repayment of grants
-
125,682
Total 2021
94,445
Restricted
funds
2022
£
-
-
7,518
8,560
16,078
74,991
Total
2022
£
354
823
132,023
8,560
141,760
169,436
Total
2021
£
-
748
168,688
-
169,436

11. Analysis of expenditure by activities

Sale of goods
Memorials
Activities to benefit war widows
Repayment of grants
Total 2021
Activities
undertaken
directly
2022
£
354
823
77,274
8,560
87,011
124,377
Support
costs
2022
£
-
-
54,749
-
54,749
45,059
Total
funds
2022
£
354
823
132,023
8,560
141,760
169,436
Total
funds
2021
£
-
748
168,688
-
169,436

Page 24

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

11. Analysis of expenditure by activities (continued)

Analysis of direct costs

Production and postage of "Courage"
Trips to National Memorial Arboretum
AGM events
November remembrance service and luncheon
Cost of goods sold (net of stock)
Armed forces day
Garden party
Gifts and wreaths
Funded RO's lunches
Publicity
Founders day
Project costs
Repayment of grants
Total 2022
Total
funds
2022
£
25,460
1,114
19,213
17,480
354
795
700
79
3,950
819
1,083
7,404
8,560
87,011
Total
funds
2021
£
22,519
-
5,665
18,704
-
714
-
75
1,091
112
-
75,497
-
124,377

Page 25

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

11. Analysis of expenditure by activities (continued)

Analysis of support costs

Insurance
Telephone
Postage and stationery
Trustees and ROs expenses
Bank charges
Website and computer costs
Miscellaneous expenses
Trustees meeting expenses
Trustees & ROs training and conferences
Depreciation
Governance costs
Total 2022
Governance costs
Independent examiner's remuneration
12.
Independent examiner's remuneration
Fees payable to the Charity's independent examiner for the independent
examination of the Charity's annual accounts
Fees payable to the Charity's independent examiner in respect of:
All other services not included above
Total
funds
2022
£
930
391
9,817
15,232
213
22,265
1,281
-
129
749
3,742
54,749
2022
£
3,742
3,742
2022
£
1,871
1,871
Total
funds
2021
£
692
294
13,183
10,435
263
14,628
1,772
549
(378)
315
3,306
45,059
2021
£
3,306
3,306
2021
£
1,653
1,653

Page 26

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

13. Trustees' remuneration and expenses

During the year, no Trustees received any remuneration or other benefits (2021 - £NIL) .

Travel, hotel and subsistence expenses totalling £22,670 were reimbursed to 11 trustees. In the previous year, £8,205 was reimbursed to 6 trustees.

14. Tangible fixed assets

Cost or valuation
At 1 January 2022
Additions
At 31 December 2022
Depreciation
At 1 January 2022
Charge for the year
At 31 December 2022
Net book value
At 31 December 2022
At 31 December 2021
Computer
equipment
£
2,543
851
3,394
1,671
749
2,420
974
872

Page 27

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

15.
Fixed asset investments
Cost or valuation
At 1 January 2022
Additions
Disposals
Revaluations
At 31 December 2022
Net book value
At 31 December 2022
At 31 December 2021
There were no investment assets outside the UK.
16.
Stocks
Stock in hand
17.
Debtors
Prepayments and accrued income
18.
Creditors: Amounts falling due within one year
Accruals and deferred income
2022
£
1,098
2022
£
11,678
2022
£
11,162
Listed
investments
£
1,753,100
366,804
(310,697)
(274,453)
1,534,754
1,534,754
1,753,100
2021
£
1,650
2021
£
5,033
2021
£
13,520

Page 28

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

19. Statement of funds

Statement of funds - current year

Unrestricted
funds
General Fund
Restricted
funds
SW Wales
Birmingham
Plymouth
Cardiff
Dundee
Warwickshire
Coventry
N. Ireland & Isle
of Man
Cornwall
Derby
Kent
Bristol
Nottingham
Wolverhampton
West Yorkshire
London
Gloucester
War Widows in
Touch
Bereavement
Buddies
Total of funds
Balance at 1
January
2022
£
1,842,499
185
312
27
33
434
64
574
64
1,279
200
250
260
38
20
100
6
-
8,560
12,406
1,854,905
Income
£
62,138
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
2,000
-
2,000
64,138
Expenditure
£
(143,907)
-
-
-
-
(34)
-
(80)
-
-
-
-
-
-
-
-
-
(7,404)
(8,560)
(16,078)
(159,985)
Transfers
in/out
£
(5,404)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
5,404
-
5,404
-
Gains/
(Losses)
£
(197,155)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(197,155)
Gains/
(Losses)
£
(197,155)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(197,155)
Balance at
31
December
2022
£
1,558,171
185
312
27
33
400
64
494
64
1,279
200
250
260
38
20
100
6
-
-
3,732
1,561,903

Page 29

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

19. Statement of funds (continued)

Statement of funds - prior year

Unrestricted
funds
General Fund
Restricted
funds
SW Wales
Birmingham
Plymouth
Cardiff
Dundee
Warwickshire
Coventry
N. Ireland & Isle
of Man
Cornwall
Derby
Kent
Bristol
Nottingham
Wolverhampton
West Yorkshire
London
Gloucester
War Widows in
Touch
Bereavement
Buddies
Total of funds
Balance at
1 January
2021
£
1,759,526
185
312
27
33
482
64
574
64
1,279
200
250
260
38
20
100
6
34,982
-
38,876
1,798,402
Income
£
123,772
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
38,000
8,560
46,560
170,332
Expenditure
£
(110,212)
-
-
-
-
(48)
-
-
-
-
-
-
-
-
-
-
-
(74,943)
-
(74,991)
(185,203)
Transfers
in/out
£
(1,961)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(1,961)
Gains/
(Losses)
£
71,374
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
71,374
Balance at
31
December
2021
£
1,842,499
185
312
27
33
434
64
574
64
1,279
200
250
260
38
20
100
6
-
8,560
12,406
1,854,905

Page 30

WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

20. Summary of funds

Summary of funds - current year

General funds
Restricted funds
Balance at 1
January
2022
£
1,842,499
12,406
1,854,905
Income
£
62,138
2,000
64,138
Income
£
123,772
46,560
170,332
Expenditure
£
(143,907)
(16,078)
(159,985)
Expenditure
£
(110,212)
(74,991)
(185,203)
Transfers
in/out
£
(5,404)
5,404
-
Transfers
in/out
£
(1,961)
-
(1,961)
Gains/
(Losses)
£
(197,155)
-
(197,155)
Gains/
(Losses)
£
71,374
-
71,374
Balance at
31
December
2022
£
1,558,171
3,732
1,561,903
Balance at
31
December
2021
£
1,842,499
12,406
Summary of funds - prior year
General funds
Restricted funds
Balance at
1 January
2021
£
1,759,526
38,876
1,798,402
1,854,905

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

20. Summary of funds (continued)

General funds

Includes donations and legacies made principally to support the activities of the Charity not restricted by specified projects. It also includes funds for which donations have been made in advance of any restriction applied by or notified to the Trustees.

Restricted funds

Regional Organisers

In the past, some bequests have been left to specific regions, usually those to where the member belonged. These bequests were ringfenced from the general funds in order to be used for activities to benefit members of those regions. For example, they have been used to cover the costs of flowers for members that are in hospital, to subsidise tickets to Christmas pantomimes, etc. About 5 years ago, the Charity revised their policy and since then any money received must be for the benefit of all members. The restricted funds for regional organisers, as shown in note 16, are the remaining funds that were ringfenced prior to the policy change and are still used for the same original purpose.

War Widows in Touch

Funding received from the Armed Forces Covenant Fund Trust has been restricted with the sole purpose of funding the War Widows in Touch project. Through this project, the Charity has donated iPads to 50 full members over the age of 65, and provided the necessary training to be able to use them. The goal of the project is to provide another means of communication so that members are able to keep in touch with friends and family, something that has become increasingly important during the Covid-19 pandemic.

Bereavement Buddies

The funding for this project has been provided by the Armed Forces Covenant Fund Trust. The aims of this project are to provide mobile phones and training to all regional organisers so that they can better stay in touch with their local members, especially those who are unable to attend regular meetings. At the date of these accounts, none of the funding had been used.

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WAR WIDOWS ASSOCIATION OF GREAT BRITAIN

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

21. Analysis of net assets between funds

Analysis of net assets between funds - current year

Unrestricted
funds
2022
£
Tangible fixed assets
974
Fixed asset investments
1,534,754
Current assets
33,605
Creditors due within one year
(11,162)
Total
1,558,171
Restricted
funds
2022
£
-
-
3,732
-
3,732
Total
funds
2022
£
974
1,534,754
37,337
(11,162)
1,561,903

Analysis of net assets between funds - prior year

Tangible fixed assets
Fixed asset investments
Current assets
Creditors due within one year
Total
Unrestricted
funds
2021
£
872
1,753,100
101,218
(12,691)
1,842,499
Restricted
funds
2021
£
-
-
13,235
(829)
12,406
Total
funds
2021
£
872
1,753,100
114,453
(13,520)
1,854,905

22. Related party transactions

During the year, amounts totalling £17,508 (2021: £12,608) were paid to Helen Raw, the daughter of Trustee and Secretary of the Charity, Sue Raw. The amounts paid were for the provision of her services in managing the 'War Widows in Touch' project and related work on grant applications and updating the website.

No other related party transactions took place during the year, other than those Trustees’ expenses already disclosed in note 13.

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