2021-09-30-accounts

REGISTERED NUMBER: 02788761 (England and Wales)

AGE UK WESTMINSTER

(A company limited by guarantee)

Report and Financial Statements

Year ended: 30 September 2021

Charity no: 1018300 Company no: 2788761

AGE UK WESTMINSTER

CONTENTS OF THE ANNUAL REPORT AND FINANCIAL STATEMENTS for the Year Ended 30 September 2021

	Page
Report of the trustees
(Including legal and administrative information)	1
Report of the auditors	21
Consolidated statement of financial activities	24
Consolidated and charity balance sheets	25
Consolidated Cash flow statements	26
Notes forming part of the financial statements	27

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES for the Year Ended 30 September 2021

The trustees are pleased to present their annual directors’ report together with the consolidated financial statements of the charity and its subsidiary for the year ending 30 September 2021 which are also prepared to meet the requirements for a directors’ report and accounts for Companies Act purposes.

The financial statements comply with the Charities Act 2011, the Companies Act 2006, the Memorandum and Articles of Association, and 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).

CHAIR’S REPORT

Since 1947, our mission has been to improve the lives of older people in Westminster and help them make the most of their later years. We are rooted in this thriving community, which continually rises to the many social and economic challenges it faces. Since the Coronavirus pandemic, we have now moved to a more hybrid delivery of services and are continually trying to find new ways to reach those who are more isolated and vulnerable.

Despite the pandemic having evolved, people are still looking out for each other and many are volunteering to support the community. We have had local businesses step up to share monetary support, as well as offer digital inclusion sessions at a time when many older people were feeling isolated and lonely.

Thank you to all our staff, volunteers and supporters. Also, thanks for the tremendous generosity of people who donated funds or given their support in other ways. You have made us even stronger and we aim to continue delivering high quality service and support, and with your help, we can face the future with confidence.

I hope you enjoy the report and learn more about the positive impact we are making in Westminster.

Fiona Healy-Connelly,

Chair

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STATEMENT ON PUBLIC BENEFIT

The Trustees confirm that they have complied with the duty in section 17 of the Charities Act 2011 to have due regard to the Charity Commission’s general guidance on “charities and public benefit”. Age UK Westminster exists to promote the wellbeing of older people in Westminster and help to make later life a fulfilling and enjoyable experience. All benefits flow from this aim and are achieved through the many services areas which are described below. The beneficiaries are residents of the City of Westminster aged fifty and over. Whilst small charges are made for some services, no individual is excluded by inability to pay.

OUR PURPOSES AND ACTIVITIES

Objectives

Age UK Westminster’s principal aims are:

• to promote a positive attitude towards older people and ageing

• to influence and develop policies that affect older people

• to promote effective care and independent living for older people

• to encourage choice and opportunity for older people.

• to directly help as many older people as our resources allow

Summary of Principal Activities

Age UK Westminster exists to promote the well-being of older people in the City of Westminster and to help them lead independent, fulfilling lives for as long as possible.

We are a small charity with a long history. We are part of the national Age UK network. We receive administrative assistance from Age UK, but we are independently funded and are free to set our own goals and priorities in line with the needs of our local community. Our rights and responsibilities to the Age UK network are governed by the Brand Partnership agreement.

We provide a wide range of services that reduce hardship, disadvantage, loneliness and isolation for older people in our local community. The population of Westminster is particularly diverse which means that we provide a lot of support to Black & Minority Ethnic Groups (BAME) resident in the borough.

These services are run by 8 dedicated full-time staff and 13 part time staff and supported by over 540+ local and corporate volunteers. Additionally, our charity shop is staffed by one full time and two part time employees.

We made 6247 client contacts and helped our clients to access over £773,000 in welfare benefits and discretionary grants through our Information and Advice service, telephone enquiry line and other project activities.

During the reporting year our activities comprised:

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ACHIEVEMENTS AND PERFORMANCE

AUKW’s strategic objectives are:

• To maintain a range of flexible and responsive services to improve the quality of life of people aged over 50 in Westminster.

• To respond to the needs of frail, lonely and isolated older people.

• To build the capacity, profile and sustainability of Age UK Westminster.

• To participate in campaigning on behalf of older people.

• In cooperation with Age UK, to play a proactive part in fostering collaborative, cross-borough and crosssector working within and beyond the Age UK London network.

We are looking to expand our range of services whilst maintaining and improving on our efficient use of resources.

Central functions will continue to be outsourced where this is advantageous, which provides additional flexibility. Other options such as shared services, joint working, and partnerships will be considered where these do not impact the long-term viability of Age UK Westminster, or impede expansion, or critical information flows. Expansion of the organisation will continue in a controlled and robust manner.

Looking ahead.

In 2021- 2022, we want to:

• Continue to be informed by the voice of the older residents of Westminster and the needs of the older residents of Westminster are at the heart of what we seek to deliver.

• Ensure that Age UK Westminster continues to support, recognise, and rewards its staff and volunteers to make Age UK Westminster a safe and positive values-based workplace.

• Continue to strengthen c o l l a b o r a t i v e partnerships with organisations and communities in the local community and develop partnership funding applications.

• Build on the growing relationships with local CCG, CNWL, CLCH, other NHS bodies and Westminster City Council to meet gaps and support delivery of services.

• We are investing to provide Lasting Power of Attorney support which will launch in 2021-2022 and we are working towards investing further to provide home care support.

• Continue with a combined service of online, phone and in-person activities.

• Maintain and strengthen our Digital Inclusion service offer including securing funding to offer grants to older Westminster residents with financial barriers to purchase their own devices/data.

• Secure funding to launch a Dementia project that will provide Dementia groups and develop Dementia Befriending with the ambition of resource to provide specialist dementia advice and guidance for clients, family and carers.

Information and Advice

We have 1.8 FTE employees dedicated to this project and our Head of Services allocates some of her time to overseeing the project and providing management support. The employees are assisted by a small team of

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dedicated and trained volunteers. Following Covid lockdowns we re-introduced weekly two-hour surgeries and outreach face to face appointments at two community venues in the City of Westminster and in July 2021. Home visits for housebound residents were also reinstated and we continue to provide information and advice by phone, email and online.

Our staff and volunteers are trained to resolve problems and signpost clients to services both within Age UK Westminster and those of our voluntary sector partners and affiliates. Assistance is given on a range of financial, social, and practical issues. We are seeing many older people who are struggling with housing issues, benefit problems and debt burdens. Beyond these practical concerns our team also provides a friendly ear for those who are experiencing social isolation or loneliness, an increasingly prevalent concern in our city.

Age UK Westminster is a founder partner with Asylum Aid (formerly Migrant Resource Centre) in the Westminster Advice Services Partnership led by Citizens Advice Westminster (https://www.westminsteradvice.org.uk/) which delivers the older person’s advice service for the borough. This project is ultimately funded by Westminster City Council.

Through our partnership with the Westminster City Council’s financial assessment team, working together as the Westminster Benefits Advice Team, we help maximise financial benefits for older people. This element of support is provided through home visits.

Complex Needs Advice, Support & Advocacy

We have 1 part time (0.8) Complex Needs Advice, Advocacy & Support Coordinator who delivers this project, launched in July 2021, and it is overseen by our Head of Services who provides management support. The service provides 1:1 information, advice, advocacy and support to older people aged 65+ and their carers in Westminster to enable them to navigate a significant life change such as bereavement, retirement or redundancy, relationship breakdowns, a change in income or circumstances, a change to daily care needs, housing needs, adaptations to your home, a deterioration in health or a reduction in mobility, victims of a crime, fraud or a scam.

The support identified provided includes but is not limited to welfare benefits, housing & social care, health care, as well as signposting and referrals for bereavement counselling, befriending, social groups. Support is provided through a combination of home visits (or place of residency), via a weekly outreach session in the community and by telephone, facetime or zoom. Where necessary this service can visit clients in hospitals and care homes.

This project is funded for 3 years by the City Bridge Trust.

Smart Energy in GB Communities Programme

Launched in April 2021, this 8-month funding raised awareness, confidence and understanding of Smart Meters and their benefits to 2,500 non-digital older adults living in Westminster through the provision of specialist information, advice and guidance. The project addressed negative views and clients identified the benefits of having accurate information about their energy usage and also providing meter readings. The project was delivered across all programmes at Age UK Westminster with 1:1 support embedded in the I&A service.

Volunteering Project

Age UK Westminster’s Volunteering Project ensures the efficiency and sustainability of services provided to the older residents of Westminster through managing the recruitment, induction and training, support and supervision, reward and recognition of the individual team of volunteers that support Age UK Westminster. Volunteers provide essential frontline support handling telephone enquiries, providing digital inclusion support and telephone befriending and some face to face visiting where Covid restrictions allowed.

Working with the Digital Inclusion Coordinator, Digital Support Volunteers was a significant addition to the portfolio of volunteer roles at Age UK Westminster. A pool of volunteers was recruited and trained and contributed to the successful delivery of the Digital Inclusion Neighbourhood Keeper and Westminster City Council projects. A tailored digital support for older people volunteers training webinar was developed alongside a digital support training pack for volunteers, coordinated provision of training and assessment of volunteers and weekly supervision of volunteers.

This year the invaluable contribution of our volunteers across the organization was recognised with an in-person Celebration Event in August 2021 where volunteers were presented with Certificates of Achievement by the Lord Mayor of Westminster. Clients who had benefitted from volunteer support also attended to share their thanks alongside the CEO and Chair of Age UK Westminster.

The Volunteering Project aims to promote positive attitudes to older people and ageing, by enabling older people to be more active in their local community. Older volunteers are provided with the individual time and support that they might require to complete the application process and matched to roles, which accommodate any mobility or health

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restrictions, including supporting our I&A and Befriending services, helping with community fundraising activities or even joining the Age UK campaign team. Proactively enabling older residents to volunteer boosts their confidence by encouraging them to develop new skills and introduces them to a support network of Age UK Westminster staff and other volunteers.

The project is staffed by a part-time (0.8) Volunteer Coordinator.

Befriending

Age UK Westminster has been delivering a successful and dedicated befriending service for the older Westminster population for over 20 years and tackling social isolation and loneliness in older Westminster residents has always been a high priority. Our befriending service assessment design focuses on providing a person-centred approach. Our support goes beyond just matching a client with a volunteer befriender but also addresses any other issues an individual may be experiencing including the older persons living circumstances, have they actually been out of the house yet, understanding why they are feeling isolated and/or lonely so we can discover ways of improving these feelings.

Our befriending service offers a lifeline to older people and supports them to access meaningful social connections including groups or activities, home support services and information, advice & advocacy.

During the pandemic our 1:1 face-to-face befriending service moved to telephone befriending only and grew exponentially from supporting 101 clients to over 500 with assistance from over 250 volunteers. This dramatic increase in older people accessing this service highlighted the greater need for isolation and loneliness preventative services and support for our older population. In this year, face to face visiting was re-introduced across some matches as Covid restrictions allowed. These visits were outdoors or followed guidelines around social distancing, mask wearing, and volunteers were advised to test before visiting. The service will continue to follow a hybrid model combining both face to face and telephone befriending.

The service is delivered by a part-time (0.6) Befriending Coordinator and managed by the Community Services

Manager and supported by 240 volunteers.

Community Inclusion

In addition to our one-to-one befriending, we are passionate about facilitating group opportunities for our clients to socialise with other older Westminster residents. Through this year face to face activities were re-introduced from July 2021 with mask wearing, social distancing and group sizes following government guidance. These included outings and gatherings including coffee mornings at the Salvation Army’s Regent Hall on Oxford Street, trips to London Zoo and the British Museum.

Virtual activities were also maintained via zoom with the Book Club and Poetry becoming popular regular features

along side virtual tours of exhibits such as the Wallace Collection and musical activities.

Notice of upcoming events is shared with our clients through a monthly postal newsletter, fortnightly email

newsletter and via our website.

We use the programme to keep our clients informed about our charitable projects and encourage them to make use of all our services.

This service is delivered by a part-time (0.6) Activities Coordinator and managed by the Community Services Manager.

Food Project

Initiated in response to the Covid pandemic, Age UK Westminster’s food project which combined the delivery of food parcels to Westminster’s most vulnerable older residents and a shopping service for those who had mobility issues or were shielding. The project extended to July 2021 when funding expired and Covid restrictions had eased.

Deliveries and shopping were completed by volunteers who were coordinated and supported by 1 full time member of staff. The project was overseen by the Community Services Manager.

Digital Inclusion

We have continued to run our relaxed group IT sessions or ‘iTea Parties’ supported by volunteers and also local businesses and corporates. These were delivered via zoom during the pandemic with participants provided pre support by telephone if necessary to be able to access zoom. Face to face sessions were re-introduced from April

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2021 at Church St library as part of the Neighbourhood Keepers project. As restrictions relaxed sessions were scheduled at several Westminster libraries as part of the Westminster City Council project. In addition, bespoke sessions were delivered with St Mungo’s older Westminster residents.

These sessions focus on helping Westminster residents aged 50 plus to increase their digital capabilities and feel more confident when using their own mobile phone, laptop or tablet device. The monthly drop-in sessions are aimed at older residents who are experiencing social isolation and feel cut off from their community due to the use of technology. These sessions are led by the Digital Coordinator or a Sessional Worker with assistance from a team of volunteers.

In addition to the group sessions, 1:1 support is provided where an older person following assessment is matched to a volunteer. Learning includes setting up a Skype or e-mail account, shop online, banking, online utility accounts and using the council tax website. This support was provided virtually or via telephone. During the latter part of this year, home visiting was re-introduced for clients who found it particularly challenging to engage remotely.

Both group and 1:1 focus on not only introducing our clients to useful internet resources that will help them to retain their independence but also to keep in touch with their loved ones.

Digital Library

In this year Age UK Westminster set up a Digital Library which enabled residents who did not own their own devices to loan either a smartphone or a tablet with learning provision provided through the loan period. Loan periods were set at 6 to 8 weeks but depending on capacity the loan periods were extended as in many cases learners had interruptions to their learning such as medical/hospital interventions, volunteer absence due to Covid or learners simply required longer to gain confidence. Those who had funds were supported to purchase their own devices. The cost of data was identified as an issue. In this year applications to schemes that provided data via sim cards were made to help resolve this issue. In addition, applications for a block grant to purchase devices for residents with financial barriers was also included in the strategy.

Neighbourhood Keepers Project

This project launched in February 2021 providing digital support to people aged 50+ living in the Church Street ward of Westminster. It was delivered by a part-time (3 days) Digital Inclusion Coordinator and supported by a team of digitally trained volunteers.

Cyber Seniors - City of Westminster Charitable Trust

Our Westminster wide digital inclusion project, funded by the City of Westminster Charitable Trust, launched in April 2021 to provide digital support to older people aged 50+ living throughout Westminster to help prevent loneliness and isolation. It was delivered by a part-time Digital Coordinator (0.4) with support from a part-time Activities and Outreach worker (0.4).

Kings Civic Challenge

Working in collaboration with students from Kings College, London, this research project looked at barriers to digital learning through a combination of focus groups and learning sessions with older residents in Church St ward.

Digital Inclusion - CNWL

Central and North West London NHS Foundation Trust (CNWL) awarded Age UK Westminster a procurement contract to pilot a Digital Inclusion support service for vulnerable older people including those living alone who are known to be more likely to experience social isolation, which has a damaging effect on their mental wellbeing.

Referrals came directly from the Older Adult Community Mental Health Team only, and the provision of support provided included assessing service users’ needs, providing appropriate loan equipment, intensive coaching, support and troubleshooting with IT skills and equipment, support and assistance and setting service users up with permanent equipment.

Due to the impact of the pandemic people who were just about managing were no longer managing because of change of routines lock down and closure of many services. Older adults were not coping with reduced social isolation and loneliness which was causing a huge impact on their mental wellbeing. This project provided support to this cohort of people by helping to reduce social isolation, support community connectiveness and avoid unnecessary admission to acute and inpatient provision.

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This project was staffed by 1 full time Digital Inclusion Coordinator and 1 part time Digital Support Worker (0.4). It was a bi-borough project working in collaboration with Age UK Kensington & Chelsea.

Christmas Project

Age UK Westminster continues to run the annual Christmas project. Due to the pandemic and the Covid lockdown restrictions project activities were revised from the provision and delivery of a Christmas Day lunch to the procurement of items, packing and delivery of Christmas hampers throughout the weeks before Christmas. The hampers included food items including a Christmas pudding and mince pies and a small gift kindly donated by Halcyon Days. Our most isolated clients were also contacted by telephone on Christmas Day for a festive chat. We received support from 93 volunteers, 9 of whom were local councillors and an MP, and 43 corporate volunteers who supported us with packing and delivery of the hampers and friendly calls. Corporate companies included Crown Estate, Howard de Walden Estate, Benefacto, Clifford Chance, Estee Lauder, Neighbourly, GIC, Oliver Wyman, Pubmatic, Oaktree Capital Management, Parkhouse and Marston Group. This incredible offer of support helped us to deliver a hamper and make a friendly call to 520 isolated older people on the three days running up to Christmas (21[st] , 22[nd ] and 23[rd ] December), and spread festive cheer amongst the older residents of Westminster.

We were delighted to have the additional support from Len Goodman who recorded a festive message specifically for our clients.

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Service User Involvement

Age UK Westminster engages with service users to ensure their involvement in the development and delivery of services and support for older people through consultation and participation. We collect feedback from our service users by carrying out yearly satisfaction surveys for each of our projects. We also invite our more active service users to participate in focus groups, who we consult on the development of new services. In April 2021, we gathered feedback on our services, our contribution during the Covid pandemic and to identify areas of focus going forward.

From the survey we learned:

92% rated the service received from Age UK Westminster as very high/high quality 67% found the support from Age UK Westminster during the pandemic was extremely/very important

67% didn’t receive support from any other organisation

67% said the pandemic restrictions had affected their well-being

62% have become less active than before the pandemic

87% would be interested in us developing new services such as exercise classes and walks

82% would like to see a community hub

60% would like support to get online

59% would use a project that would help them to get online

64% would like to attend more events and activities

We also ran an Older People's forum in July 2021 and from this gathered the following information: - Digital exclusion was a frequent area of concern highlighted by many who felt they could not access information and were restricted from participating in events because they had no or only limited online access. We plan to address this through drop-in sessions and by enabling training and peer-to-peer coaching.

• Participants commented on the preference of face-to-face contact

• Participants expressed the following feelings of attending face-to-face activities- Happy, reconnected, reduced feeling of isolation, easier to make friends.

Volunteer Involvement

Age UK Westminster continues to depend extensively on volunteers who play a vital role in every aspect of the charity’s work, including befriending, information and advice, office duties, reception, staff recruitment, fundraising and work in the retail outlet of AUKW’s wholly owned subsidiary Age UK Enterprises (Westminster) Ltd.

We have a diverse pool of volunteers, including over 60s, young professionals (25-40) and students from local universities. Many of our reception and Information and Advice volunteers have been supporting our organisation for a number of years and we strive to continue our track record of volunteer maintenance by making our volunteers feel valued and providing them with regular top up training.

Corporate Social Responsibility and Volunteering

This year we have developed some exciting partnerships with local organisations/businesses and Embassies, including:

Balfour Beatty, Bestway , Bunzl , CE Sell Charitable Trust , Edward Harvist Trust , Fairshare ,Felix Project , GIC Singapore, GiffGaff , Halcyon Days, Heineken, Howard de Walden, Johnson & Johnson, Marks and Spencer, Molton Brown, Morrisons, Newton Europe, Paddington Charities , North Paddington Foodbank, Pubmatic, RMG WCC, Royal Bank of Scotland, Samsung, St James Piccadilly, St Paul’s Boys School, Singapore High Commission, SocialBox, Starbucks, Timebank, TwitterUK, United Arab Emirates, Urban Leisure Group, Waitrose, Xero, 3Discovery

These corporates and organisations kindly funded or sponsored services provided facilities and support and donated equipment. Without their support we would not have been able to support our local residents and provide them with the dignity they deserve in their later years.

Employee Involvement

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Age UK Westminster seeks to increase the skills of staff through staff training and development programmes. Its system of regular staff supervision aids the process of identifying training and development needs. Staff are kept informed of events, progress and matters of interest through regular team meetings, written in-house information and individual communication as appropriate.

Communications

In this year we have developed our communication activities to ensure that our website is kept up to date and that we have a stronger social media message. The email newsletter mailing list continues to grow with over 400 older Westminster residents.

Media & Communications is supported by a part time (0.4) member of staff and overseen by the Fundraising & Business Development Manager. The team also support their colleagues with leaflet design to ensure Age UK Brand Partner formats and guidelines are followed.

OUR IMPACT between Oct 2020 - Sept 2021

• 6247 client contacts

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• 22,000 hours of support delivered by volunteers

• 35,400+ calls made by our volunteers to our Telephone Befriending clients

• 520 Christmas hampers delivered, and Christmas calls made in Dec 2020

• 3,380 older people helped by our I&A team to obtain £773,273 in welfare benefits and discretionary grants

• 11,000 unique users accessing our website

• 240 telephone befriending matches made

• 1,754 clients attended 221 activities delivered online and face-to-face

• 1,200 food parcels delivered to 120 vulnerable clients

• 1,600 client contacts supporting digital inclusion

• 542 volunteers supporting delivery of our services, i.e. befriending, food parcel deliveries, shopping service, digital inclusion support and more

• 1,709 calls dealt with by our reception team

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BENEFITS AND GRANTS

3,380 clients obtained £773,273 in welfare benefits & discretionary grants with support of the I&A team.

“I didn’t know I was entitled to anything until Age UK Westminster intervened. It was a relief to get help.” -Mrs T, client

Age UK Westminster is one of the leading partners in the Westminster Advice Services Partnership and a leading advice provider for older people in Westminster. Our Information & Advice team has played an invaluable and central role in Westminster for over 70 years. This year we were able to extend the support offered by achieving funding from City Bridge Trust to provide ongoing support, advice and advocacy for those experiencing significant life changes such as bereavement, changes in health, and changes in income.

CASE STUDY

Mr. I was given assistance in getting him the benefits that he had no idea he was entitled to. He doesn’t have to borrow money from his friends anymore. He states that the financial stability has given him a new sense of independence and direction in his life.

Between Oct 2020 - Sept 2021, the I&A team responded to:

64 home visits 58 complex needs requests 1,617 total enquiries

*The reception triage team also dealt with 1,709 enquiries.

COMPLEX NEEDS AND SUPPORT SERVICE

232 1:1 sessions delivered, providing support to 58 unique clients with a complex need

In July 2021, we launched our Complex Needs Support Service. This service provides Information, Advice, Advocacy & Support to older people and their carers in Westminster on, and around, a range of complex issues. This service is another avenue that we offer people who need that a little bit of extra time and intervention. Its aim is to unpick what the clients need and help them to be aware of what they can access in their local community. So far, we have advocated on our residents' behalf with organisations and professionals, with them being the decision maker. We have also made referrals to other services and organisations if they were better placed to meet a client's needs.

CASE STUDY

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Mr. RL is recently widowed and an ex-RAF pilot. We spoke about his money issues. He was still going through the grieving process. I contacted the necessary agencies and together, we set up direct debits for bills, so he didn’t have to worry. I put him in touch with SSAFA, the armed forces charity, and they provided telephone counselling. Also, veteransinthecommunity.org.uk put him in touch with other older ex armed forces for walks, outings and groups in his local community.

OUTCOME

Mr. RL is in a much better place. The counselling service helped a great deal, he smiles a lot more and says that his wife would be telling him off for not living life. He is not ready for a whole social life just yet, but he goes to his local for a pint and plays darts. Small steps, but its progress.

BEFRIENDING

476 successful matches made

35,400 befriending calls

We match people with a local volunteer who commits to visiting lonely older people weekly. During these visits, befrienders provided much-needed social interaction and emotional support. Due to the pandemic, face-to-face befriending was adapted, and we moved some to telephone befriending but have now moved to a hybrid of telephone and in-person when possible.

Loneliness and isolation have long been an issue and our Befriending Service continues to play a vital role in matching volunteers to isolated residents to reduce the negative impact of loneliness.

Alongside Befriending is our vibrant Activities offer, which seeks to encourage participation in group activities. Many of these have been run online in collaboration with our digital inclusion activities, but from July, we were delighted to offer a variety of in-person events.

“I’ve been seeing J since Christmas 2018 and it’s made such a big difference. I really look forward to J’s visit, it’s a real booster for me and has really helped with my confidence." -Befriending client

VOLUNTEERS

542 volunteers, including 45 aged over 60+

22,000 volunteer hours

Age UK Westminster depends massively on its dedicated volunteers in every aspect of its work. The continuing pandemic has demonstrated the importance of their involvement and their support has proved invaluable.

We needed extra help with food deliveries, digital inclusion sessions and finding ways to support those who were still isolating.

Volunteers who choose to volunteer do so for a variety of reasons. But one thing that all our volunteers have in common is that they are motivated by the positive impact their contribution makes. We certainly wouldn’t be able to achieve as much without them.

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"It’s given me as much as it’s given her. We have a lot of fun and she shows me a different perspective on life.” -A befriender to a 92-year-old client

EMERGENCY FOOD

1,200 deliveries

Due to the pandemic, we continued to deliver 1200 weekly emergency food parcels to 120 of our more vulnerable clients. The parcel was well stocked with a variety of non- perishable food items, plus fresh eggs, bread, long-life milk and fresh fruit and vegetables. The parcels were designed for preparation of four or five meals.

The emergency food service has been a lifeline for many of our clients. The service provides not only the security of knowing that food is available but a friendly face and some much-needed human contact.

"I was absolutely delighted with the parcel today from Age UK. The food is very useable and of high quality and included a few treats too. It was delivered to my door by two charming helpers who also offered contact and assistance should I need it. Many thanks to Age UK for caring." -Local Resident

DIGITAL INCLUSION

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1,600 client contacts supporting digital inclusion

Covid-19 brought new challenges and highlighted to most of us that we are reliant on digital technology. But many older people often suffer from “digital exclusion” due to unfamiliarity with technology, fear of getting it wrong or cultural differences. Often, they don’t have the social networks that might help them overcome these barriers. To bridge this ‘digital divide’ and social isolation, we developed a comprehensive programme of digital 1:1 sessions and iTea Parties. These sessions are designed to help older clients increase their capabilities. We had volunteers from local and national businesses, alongside our staff, giving their time to help make older people more computer literate and confident in their skills.

“I have started my journey using Word and email. I am very excited to carry on learning so that I can write emails to my friends and family.”

-Local Resident, MC

"The kindness and patience of the volunteers was most valued. Keep running them! The more often, the better." -Local Resident and iTea party client

CHRISTMAS HAMPERS

520 Christmas hampers

Our Christmas Project is a yearly project to make Christmas Day a special and enjoyable time for elderly residents, who may be suffering from loneliness and isolation. We have been delivering to older Westminster residents for over 10 years. We received support from 93 volunteers, 9 of whom were local councillors and an MP, and 43 corporate volunteers who supported us with packing and delivery of the hampers and friendly calls. Corporate companies included Crown Estate, Howard de Walden Estate, Benefacto, Clifford Chance, Estee Lauder, Neighbourly, GIC, Oliver Wyman, Pubmatic, Oaktree Capital Management, Parkhouse and Marston Group.

This incredible offer of support helped us to deliver a hamper and make a friendly call to 520 isolated older people on the three days running up to Christmas and spread festive cheer.

“With these phone calls and the hamper, I could not have asked for a nicer Christmas.” -Maria, Local Resident

“I had a brilliant time volunteering for Age UK Westminster, it was so great to have the chance to talk to people who were isolated at Christmas and to hopefully spread some cheer.” -Volunteer

STAYING ACTIVE

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1,754 attendees

We are passionate about creating as many opportunities as possible for our clients to socialise with other residents.

Since Covid-19 appeared, we have created a range of online alternatives to our traditional programmes, including a poetry group, virtual tours and talks, exercise programmes, and one-off special events. When restrictions were lifted, we hosted Covid-safe activities, including a visit to London Zoo, coffee mornings, film screenings, museum trips and trips around London.

We have also led events with partners, such as the Royal Albert Hall and with local corporates. Our programme of online and in-person activities are tremendously popular, and have provided much-needed social stimulation for our clients with different needs.

“Yesterday's Silver Sunday event was wonderful, thank you so much for all the hard work you put into everything." -Local resident

“I had a truly lovely and relaxing day at the Zoo. All your colleagues were well prepared, supportive and kind in the way they fulfilled arrangements. We were very lucky with the weather, which was a great bonus. Thank you everyone involved with making the arrangements, you did a great job." -Local client who attended the London Zoo trip

INCLUSION

The population of Westminster is extremely diverse, and we provide much support to Black and Minority Ethnic (BAME) groups. This is of particular importance with issues related to the poor health of older people in BAME communities and the relatively high proportion of older people living alone. But our achievements extend far beyond the provision of advice, support and guidance. Our strength is based on inclusive voluntary relationships and the trust they generate. This gives us the ability to reach groups of older people most likely to experience poverty, deprivation or poor health.

“I was struggling to clean my home and to take care of my personal care. Age UK Westminster’s adviser assisted me to apply for Attendance Allowance. I am now able to pay for a carer who comes in twice a week. I have gained my independence and self-esteem. I am now in control of my own care.” -Mrs M, client

Page !15

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2021

FINANCIAL REVIEW

The financial statements cover the consolidated activities of Age UK Westminster for the year ended 30 September 2021. The year has seen continued healthy financial performance with a positive net movement of funds of £60,674 (2020: £36,670). Our Total Funds balance is now £447,685 (2020: £387,011).

The charity staff have continued to focus on making grant applications to funding bodies that appreciate our wide volunteer base and expertise in identifying the needs of older people in our area. Income from Charitable Activities rose to £528,723 (2020: £328,215) and income from donations, legacies and fundraising rose to £34,997 (2020: £27,133).

Overall expenses at the group rose to £574,191 (vs. £395,735 in 2020) as the charity personnel base expanded in line with the increased funding received over the last several years and to crucially support the vulnerable members of our community impacted by Covid -19. The increase in charitable activity expenditure rose to £481,759 (2020: £304,660) is a result of us deploying our restricted funds on the projects for which they were granted. The cost of raising funds was higher than the previous year at £92,432 (2020: £91,075).

Our support costs increased to £57,055 (2020: £44,340) due mainly to our requiring the rental of a second office at our Beethoven Centre site and our need to increase our communication output to ensure that our community was made aware of all the different ways we could support them. Support costs comprise 11% (2020: 11%) of the Charity’s expenditure (defined as Total expenditure less trading subsidiary expenses). While we aim to cover our support costs by donations, legacies and fundraising in some years that is not the case and our support costs are then met from our unrestricted funds balance. We are increasingly trying to obtain total cost recovery from our funding partners where the nature of the project makes that possible.

Our largest single project is Information & Advice and we deliver this service via the Westminster Advice Services Partnership. This is a contracted service and the contract last underwent a full tender process in September 2018. In the reporting period the project had 1.8 FTE employees and received funding of £72,750.

Bid writing to charitable trusts and other grant giving bodies continued in a more competitive environment. We are grateful to all our donors and funders for their support Bid writing to charitable trusts and other grant giving bodies continued in a more competitive environment. We are grateful to all our donors and funders for their support.

RESERVES POLICY

The Board aims to hold 3-6 months’ expenditure as free reserves. At 30[th] September 2021, the group held £447,685 in total funds (2020: £387,011), of which £183,321 (2020: £190,674) are restricted. Subtracting these and fixed assets leaves £252,998 (2020: £181,827) free reserves which equates to 5.2 months (2020: 5.5 mths) of group expenditure.

In setting the reserves policy the board of trustees considers the level and stability of the charity’s income; the cost of ceasing operations if funding is withdrawn; the charitable objectives of the charity; and the future expenditure plans of the charity.

FIXED ASSETS

Movements in fixed assets are disclosed in notes 10 and 11.

TRADING SUBSIDIARY

Page !16

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2021

The subsidiary trading company, Age UK Enterprises (Westminster) Limited, operates charity shops in the northern part of the borough. Our older shop is located on busy Harrow Road but consequently requires paying a high annual rent. Trading at this shop has been satisfactory.

In September 2017 we took out a twelve-month lease on a new shop on Church Street. We subsequently extended that lease to the end of February 2019. We have been unable to trade profitably from this location and we closed this shop on 28 February 2019.

The subsidiary owes the charity £9,588 (2020: £9,566) which consists of a five-year loan with monthly payments of principal and interest and monies owed on the inter-company account. The balance on the loan is £nil (2020: £6,380). The subsidiary is making all payments on time and we do not expect the loan to be redeemed early. The loan is secured by substantially all of the assets of the subsidiary company and the debenture has been registered with Companies House.

The trading subsidiary donates any taxable profits to the charity as disclosed in note 21.

RISK MANAGEMENT

The major risks to which the charity is subject have been identified by the board as including (mitigating actions in italics) :-

• a) We may not achieve the same level of grant funding or donations as in previous years – We are making an increased number of grant applications. Our improved financial stability should increase our funders’ faith in our ability to deliver on our promises.

• b) Management structure - The size and funding structure of the charity precludes employing a dedicated management layer – Increase unrestricted cash flow to employ or equip current staff to take on additional management roles.

• c) Our charity shop might suffer from a deteriorating trading environment – Current shop trading is satisfactory and closely monitored. The board receives monthly trading reports with early warning triggers.

• d) Service demands - We have seen the demand for our services increase amongst older people living in Westminster. This has resulted in additional pressures on our projects and employees and a long waiting period particularly for our I&A and Befriending services - to meet the increased demands additional funding to be sourced.

Page !17

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2021

PLANS FOR THE FUTURE

Age UK Westminster is strategically focussed on the following priority items:

• Be the first choice of support for older residents in Westminster

• Increase the number of older residents with whom we are in contact

• Deliver support to a wider range of socio-economic groups including the Black and Ethnic Minority Groups

• • Develop and expand the organisation in new and creative ways to support and engage older Westminster residents

We intend to fulfil these aims through a number of parallel initiatives:

• By re-doubling our already extensive efforts to work with our fellow Age UK partners in the development of sustainable Bi-Borough initiatives

• Increasing our organisation’s skills and expertise in areas of concern for older people and in response to need

• Increase involvement of Service Users and feedback to guide service development

We look forward to a period of selective and sustainable growth in our efforts to address the increasing needs of older people in the City of Westminster.

REFERENCE AND ADMINISTRATION DETAILS

• a) CHARITY NAME: Age UK Westminster, a company limited by guarantee.

• b) CHARITY NUMBER: 1018300

• c) COMPANY NUMBER: 2788761

• d) REGISTERED OFFICE: Beethoven Centre, Third Avenue, London, W10 4JL

• e) PATRON: The Baroness Greengross OBE (up to June 2022)

• f) TRUSTEES (as at date of signing of the accounts):

I Adams (Vice Chair) A Black N Carthy K C Coyne D Durnford-Slater F Healy Connelly (Chair) R M Jacobson M Mestrinaro D Kent-Lemon

g) AUDITORS: Goldwins

Chartered Accountants and Statutory Auditors 75 Maygrove Road London, NW6 2EG

• h) BANKERS: Lloyds Bank

195-197 Edgware Road, London, W2 1ET

Page !18

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2021

STRUCTURE, GOVERNANCE AND MANAGEMENT

Age UK Westminster is a charity and company limited by guarantee, established in 1947 and governed by a Memorandum and Articles of Association. Its mission is “to promote the well-being of older people in the City of Westminster to help make later life a fulfilling and enjoyable experience”.

The Board of Trustees of Age UK Westminster governs its affairs. Trustees are also directors of the Company. The Articles of Association provide for The Board of Trustees to be composed of six elected members and up to four coopted members. The Board takes overall responsibility for ensuring that the financial, legal and contractual duties of the charity are met and that there are satisfactory systems of financial and other controls. It decides on policy and strategy and ensures the organisation fulfils its objectives. The Board meets monthly, except for August and December and Board Meetings are attended by the Chief Executive and such other staff as are required from time to time.

Day-to-day management of the charity rests with the Chief Executive, Mehfuz Ahmed, who reports to the Board of Trustees. Accounting and financial management is performed for the charity on a voluntary basis by the Treasurer. The Board receives monthly reports on the operational performance of the charity’s projects from the Chief Officer and it also receives management accounts detailing the current financial situation and near-term cash flow projections from the Finance Manager.

The Board reviews its composition regularly to ensure that it contains a diverse and relevant range of talents and experience and that there are no skills gaps among its members. New trustees are inducted via a briefing on the charity structure and its aims and a meeting with the Chair, the Chief Officer and another trustee.

Age UK Westminster is a member of The Age England Association and of Age UK London. Due to the small size of the charity we have, from time to time, been grateful to Age UK London for assistance in managing various aspects of the charity where specialised knowledge and experience was required but was not contained in the Board of Trustees or among the staff. Among other initiatives Age UK London have assisted us with a review of the charity shop, advice and instruction on bid writing, HR matters and general strategic direction.

Page !19

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2021

TRUSTEES’ RESPONSIBILITIES IN RELATION TO THE FINANCIAL STATEMENTS

The charity trustees (who are also the directors of the Age UK Westminster for the purposes of company law) are responsible for preparing a trustees’ annual report and financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the charity trustees to prepare financial statements for each year which give a true and fair view of the of the charitable company and the group and of the incoming resources and application of resources, including the income and expenditure, of the charitable group for that period. In preparing the financial statements, the trustees are required to:

• select suitable accounting policies and then apply them consistently;

• observe the methods and principles in the Charities SORP;

• make judgements and estimates that are reasonable and prudent;

• state whether applicable UK accounting standards have been followed, subject to any material departures disclosed and explained in the financial statements; and

• prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in business.

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and the group and hence taking reasonable steps for the prevention and detection of fraud and other irregularities.

In so far as the trustees are aware:

• there is no relevant information of which the group’s auditor is unaware, and

• the trustees have taken all steps that they ought to have taken to make themselves aware of any relevant audit information and to establish that the auditors are aware of that information.

The trustees are responsible for the maintenance and integrity of the corporate and financial information included on the charitable company’s website. Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

By order of the board of trustees

Fiona Healy-Connelly,

Chair

!20

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF AGE UK WESTMINSTER - continued

Opinion

We have audited the financial statements of Age UK Westminster for the year ended 30 September 2021 which comprise the consolidated Statement of Financial Activities, the group and parent Charity’s Balance Sheets, group’s statement of cash flows and notes to the financial statements, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102: The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

Opinion on financial statements

In our opinion the financial statements:

• give a true and fair view of the state of the group’s and Charity’s affairs as at 30 September 2021 and of its income and expenditure for the year then ended:

• have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and

• have been prepared in accordance with the requirements of the Companies Act 2006.

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditorʼs responsibilities for the audit of the financial statements section of our report. We are independent of the Charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRCʼs Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees’ use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.

Other information

The trustees are responsible for the other information. The other information comprises the information included in the annual report other than the financial statements and our auditorʼs report thereon. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Opinion on other matter prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:

• the information given in the trustees’ report (incorporating the directors’ report) for the financial year for which the financial statements are prepared is consistent with the financial statements; and

• the trustees’ report (incorporating the directors’ report) have been prepared in accordance with applicable legal requirements.

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REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF AGE UK WESTMINSTER - continued

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the Charity and its environment obtained in the course of the audit, we have not identified material misstatements in the Trustees’ Annual Report.

We have nothing to report in respect of the following matters where the Companies Act 2006 requires us to report

to you if, in our opinion:

• adequate accounting records have not been kept or returns adequate for our audit have not been received from branches not visited by us; or

• the financial statements are not in agreement with the accounting records and returns; or

• certain disclosures of trustees’ remuneration specified by law are not made; or

• we have not received all the information and explanations we require for our audit.

Responsibilities of the trustees

As explained more fully in the Trustees’ Responsibilities Statement, the trustees (who are also the directors of the charitable company for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view and for such internal control as they determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the Charityʼs ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the Charity or to cease operations, or have no realistic alternative but to do so.

Our responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditorʼs report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud are set out below.

In identifying and assessing risks of material misstatement in respect of irregularities, including fraud and noncompliance with laws and regulations, our procedures included the following:

• We enquired of management, which included obtaining and reviewing supporting documentation, concerning the charity's policies and procedures relating to:

• Detecting, evaluating, and complying with laws and regulations and whether they were aware of any instances of non-compliance;

• Detecting of the risks of fraud and responding whether they have knowledge of any actual or suspected fraud;

• The internal controls in place to mitigate risks related to fraud or non-compliance with laws and regulations.

• We obtained an understanding of the legal and regulatory framework that the charity operates in, focusing on those laws and regulations that had a material effect on the financial statements or that had a fundamental effect on the operations of the charity from our professional and sector experience.

• We performed analytical procedures to detect any unusual or unexpected relationships that may indicate risks of material misstatement due to fraud.

Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Councilʼs website at: [www.frc.org.uk/auditorsresponsibilities]. This description forms part of our auditor’s report.

Use of our report

!22

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF AGE UK WESTMINSTER - continued

This report is made solely to the charitable company’s members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charity’s members those matters we are required to state to them in an auditor’s report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity and the charity’s members as a body, for our audit work, for this report, or for the opinions we have formed.

Anthony Epton (Senior Statutory Auditor) for and on behalf of Goldwins Limited Statutory Auditor Chartered Accountants 75 Maygrove Road West Hampstead London NW6 2EG

!23

CONSOLIDATED STATEMENT OF FINANCIAL ACTIVITIES

(including summary income and expenditure account) for the Year Ended 30 September 2021

Notes Income: Donations and legacies 2 Charitable activities: 3 Advice for Life Embrace our Community Income from other trading activities Investment Income 4 Total income Expenditure: Costs of raising funds 5 Charitable activities: 6 Advice for Life Embrace our Community Total expenditure 7 Net income / (expenditure) for the year Transfers between funds 16 Net movement in funds	Unrestricted Designated Restricted Total Total Funds Funds Funds 2021 2020 £ £ £ £ £ 20,957 - 14,040 34,997 27,133 - - 151,906 151,906 76,165 108,435 - 268,382 376,817 252,050 70,988 - - 70,988 76,625 129 - 28 157 432
	200,509 - 434,356 634,865 432,405 92,432 - - 92,432 91,075 24,771 - 132,357 157,128 125,742 15,279 - 309,352 324,631 178,918
	132,482 - 441,709 574,191 395,735
	68,027 - (7,353) 60,674 36,670 - - - - -
	68,027 - (7,353) 60,674 36,670

Reconciliation of funds:

!24

CONSOLIDATED STATEMENT OF FINANCIAL ACTIVITIES

(including summary income and expenditure account) for the Year Ended 30 September 2021

Funds brought forward at 1 October 2020	196,337	-	190,674	387,011	350,341
Total funds carried forward at
30 September 2021	264,364	-	183,321	447,685	387,011

All of the above results are derived from continuing activities. There were no other recognised gains or losses other than those stated above. Movements in funds are disclosed in Note 16 to the financial statements.

The attached notes form an integral part of these financial statements.

!25

AGE UK WESTMINSTER (REGISTERED NUMBER 27887611 Balance Sheet As at 30 September 2021 Group 2021 Group 2020 Charrty 2021 Charity 2020 Not85 FIXED ASSETS Tangible Assets Investments 10. 11 12 11.366 14.510 2,138 15.(M)O 15,0(K> Total Fixed Assets 11.3e6 14.510 15,388 17,138 CURRENT ASSETS Oeblors Cash at b8nk and in hand 13 25.459 489.419 52.299 441.928 35,047 481,789 53,8 430,998 Sum ol Currènt Ass• 514.878 494.227 516.836 484,854 CURRENT LIABILITIES Creditors.. arnounls falling due vlthin one year 14 178.5591 1121.7261 175.3641 1111.3961 Net Curr•nt Assots 436.318 372.501 441.472 373.458 Total n•t asso11 447.685 387.011 456,860 390,596 FUNDS Reslri¢ted Fund$ 16 183.321 190.674 183,321 190,675 Unrèsirieièd Funds.. General Funds D8signa18d Fund$ 264.364 196.337 273.S39 199.921 Total unr8sMct8d funds 264.384 196.337 273.S39 199.921 Total Fund# 447.685 387.011 456.860 390.596 The Iruslees have prepa￿￿ group accounts in aCCWd8￿e wlh seclw 398 of the CorryJani95 Acl 2006 8nd section 138 of the Charities Aci 2011. These arxounts prepared in accordance wlh the special provisi￿3 of Part 1 S of the Compan18s Act relating lo small conyni8s and conS￿'tute th8 annual accounts fsquired by the Compani85 Aci 2006 and are for circulats'on lo rnember5 of the ¢￿pany. The attached noles fonn an inlegr81 part of Ihese fin8nc*)I statern¢nls. The financial statements were approved aThJ aulhcrfised f(w i8sue by the trustees C￿ . on their behaw by.. 2022 and signed Fiona Healy-connelly. Chair Neil Carlhy. Treasurer Page 25

AGE UK WESTMINSTER (REGISTERED NUMBER 2788761)

Cash Flow Statement

As at 30 September 2021

OPERATING ACTIVITIES Net Income Adjustments: Debtors Creditors Depreciation Total Adjustments: Net cash provided by operating activities INVESTING ACTIVITIES Investment in Fixed Assets Investment in subsidiary company Net cash provided by investing activities FINANCING ACTIVITIES Loan from Parent Charity Net cash provided by financing activities Net cash increase/(decrease) for period Cash at beginning of period Cash at end of period	2021 2020 2021 2020 Group Group (after consol) (after consol) Charity Charity 60,674 36,670 66,264 38,755 26,840 (13,361) 18,809 (7,968) (43,167) 112,080 (36,032) 109,206 5,589 5,855 1,750 2,653
	(10,738) 104,574 (15,473) 103,891 49,936 141,244 50,791 142,646 (2,445) - - (1) - - - -
	(2,445) 0 0 (1) - - - -
	- - - - 47,491 141,244 50,791 142,645
	441,928 300,684 430,998 288,353
	489,419 441,928 481,789 430,998

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS for the Year Ended 30 September 2021

1. Accounting policies

(a) Basis of preparation

The financial statements have been prepared in accordance with 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) - (Charities SORP FRS 102) and the Companies Act 2006.

The charitable company 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 or note.

(b) Going concern

The trustees consider that there are no material uncertainties about the charitable company's ability to continue as a going concern. The trustees do not consider that there are any sources of estimation uncertainty at the reporting date that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next reporting period.

(c) Income

Income is recognised when the charity has entitlement to the funds, any performance conditions attached to the income have been met, it is probable that the income will be received and that the amount can be measured reliably.

Income from government and other grants, whether ‘capital’ grants or ‘revenue’ grants, is recognised when the charity has entitlement to the funds, any performance conditions attached to the grants have been met, it is probable that the income will be received and the amount can be measured reliably and is not deferred. Income received in advance for the provision of specified service is deferred until the criteria for income recognition are met.

For legacies, entitlement is taken as the earlier of the date on which either: the charity is aware that probate has been granted, the estate has been finalised and notification has been made by the executor(s) to the charity that a distribution will be made, or when a distribution is received from the estate. Receipt of a legacy, in whole or in part, is only considered probable when the amount can be reliably measured and the charity has been notified of the executor’s intention to make a distribution. Where legacies have been notified to the charity, or the charity is aware of the granting of probate, and the criteria for income recognition have not been met, then the legacy is a treated as a contingent asset and disclosed if material.

(d) Donations of gifts, services and facilities

Donated professional services and donated facilities are recognised as income when the charity has control over the item or received the service, any conditions associated with the donation have been met, the receipt of economic benefit from the use by the charity of the item is probable and that economic benefit can be measured reliably. In accordance with the Charities SORP (FRS 102), volunteer time is not recognised so refer to the trustees’ annual report for more information about their contribution.

On receipt, donated gifts, professional services and donated facilities are recognised on the basis of the value of the gift to the charity which is the amount the charity would have been willing to pay to obtain services or facilities of equivalent economic benefit on the open market; a corresponding amount is then recognised in expenditure in the period of receipt.

(e) 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 bank.

(f) Fund accounting

Unrestricted funds are available to spend on activities that further any of the purposes of charity. Designated funds are unrestricted funds of the charity which the trustees have decided at their discretion to set aside to use for a specific purpose. Restricted funds are donations which the donor has specified are to be solely used for particular areas of the charity’s work or for specific projects being undertaken by the charity.

(g) Expenditure and irrecoverable VAT

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required and the amount of the obligation can be measured reliably. Expenditure is classified under the following activity headings:

• Costs of raising funds comprise of trading costs and the costs incurred by the charitable company in inducing third parties to make voluntary contributions to it, as well as the cost of any activities with a fundraising purpose.

• Expenditure on charitable activities includes the costs of activities undertaken to further the purposes of the charity and their associated support costs.

• Other expenditure represents those items not falling into any other heading.

Irrecoverable VAT is charged as a cost against the activity for which the expenditure was incurred.

(h) Allocation of support costs

Support costs are those functions that assist the work of the charity but do not directly undertake charitable activities. Support costs include back office costs, finance, personnel, payroll and governance costs which support the charity and its and activities. These costs have been allocated between cost of raising funds and expenditure on charitable activities. The bases on which support costs have been allocated are set out in note 6.

(i) Tangible fixed assets and depreciation

Items of equipment are capitalised where the purchase price exceeds £1,000. Depreciation is provided at rates calculated to write down the cost of each asset to its estimated residual value over its expected useful life. The depreciation schedules in use are as follows:

Leasehold improvements Equipment & fittings

over the life of the lease over 1 – 3 years

(j) Finance and operating leases

Rental charges are charged on a straight-line basis over the term of the lease.

(k) Debtors

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

(l) Creditors and provisions

Creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

(m) Pensions

On 1 February 2016 we automatically enrolled all eligible employees into a Legal & General defined contribution pension scheme. Employees who are not eligible may enrol at their discretion.

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

2. Income from donations and legacies

3 Donations Legacies Fundraising	Unrestricte d Restricted Total 2020 19,957 14,040 33,997 25,133 1,000 - 1,000 2,000 - - - -
	20,957 14,040 34,997 27,133

3. Income from Charitable Activities

Advice for Life: CE Sell Charitable Trust Citizens Advice Westminster City Bridge Trust City of Westminster: Edward Harvist Trust Hyde Park Place Estate London Catalyst London Income - Age UK London Community Foundation NEA People's Postcode Trust Thames Water Trust United Charities St James's Parish Westminster Alms houses Westminster Amalgamated Char Westminster Foundation Total For Advice for Life:

Unrestricted Restricted 2021 2020 - - - - - 72,500 72,500 70,625 - 10,575 10,575 - - 5,000 5,000 - - - - - - 300 300 905 - - - - - 7,577 7,577 3,265 - 23,876 23,876 - - 24,445 24,445 - - - - - - - - - - - - - - - - 1,370 - 7,633 7,633 - - - - -

- 151,906 151,906 76,165

Embrace Our Community:

!30

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

Age UK	17,480	15,784	33,264	31,500
Age UK London	592	-	592	-
Antonio Carlucci Foundation	-	-	-	2,250
CAF	-	62,863	62,863	-
British Land	-	-	-	1,000
Bunzl Community Fund	-	-	-	1,000
City of Westminster:	-	-	-	-
City of Westminster	-	7,519	7,519	51,000
Edward Harvest Trust	-	2,500	2,500	-
City of Westminster Char Trust	-	8,000	8,000	14,400
Edward Harvist Trust	-	-	-	2,000
FM Conway	-	1,250	1,250	-
French Huguenot Church of London	-	6,875	6,875	625
Hospital Saturday Fund, The	-	2,500	2,500	-
GIC	-	-	-	900
Howard de Walden Estate	-	12,667	12,667	8,333
Hyde Park Place Estate	-	-	-	5,000
Julia & Hans Rausing Trust	67,148	-	67,148	-
King's College London	-	5,000	5,000	-
London Community Response Fund	-	-	-	26,100
National Lottery	-	47,711	47,711	47,711
Awards For All	-	4,679	4,679	14,393
Neighbourly	-	-	-	600
Newton Europe	-	-	-	1,200
Paddington Charities, The	-	2,000	2,000	1,500
Phoenix Group	-	1,000	1,000	-
Portman Foundation, The	-	5,000	5,000	4,000
Redevco Foundation	-	19,747	19,747	12,500
RMG London	-	1,000	1,000	500
Sanctuary Housing Assoc	-	-	-	4,990
St Johns Hyde Park	-	2,548	2,548	-
Strand Parish Trust	-	1,000	1,000	5,000
Swire Charitable Trusts	-	42,028	42,028	-
Tesco Groundworks	-	-	-	500
Twitter UK Ltd	-	-	-	450
United Charities St James's Parish	-	-	-	250

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

UCL Urban Leisure Group Waitrose Westminster Almshouses Westminster Amalgamated Charities Westminster Foundation WCC COVID Business Grant WG Edwards Total for Embrace Our Community: Total for Charitable Activities	- 500 500 0 - - - 1,800 - - - 913 - - - 5,000 - 16,211 16,211 6,085 3,929 - 3,929 - 19,286 - 19,286 - - - - 550
	108,435 268,382 376,817 252,050
	108,435 420,288 528,723 328,215

4. Investment Income

The group’s investment income of £157 (2020: £432) arises from money held in interest bearing deposit accounts.

5. Cost of raising funds

Trading company expenditure (note 21) Fundraising costs	2021 £ 76,491 15,941 _ 92,432	2020 £ 78,385 12,680 _ 91,075

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

6. Analysis of expenditure on charitable activities

Basis of Expense Classification Allocation Staff costs Direct Grants to individuals Direct Activities and events Direct Volunteer Costs Direct Other direct costs Direct Premises Floorspace Communication and computers Staff time General office and staff costs Usage Other support costs Usage Audit Direct Fundraising Direct Governance and trustees Staff time Support Costs Governance Costs Total Expenditure (2021)	Advice For Embrace the Support Gov Total Living Community Costs Costs 2021 130,609 243,984 - - 374,593 600 - - - 600 5,690 41,374 - - 47,064 524 3,192 - - 3,716 - - - - - - - 15,536 - 15,536 - - 12,491 - 12,491 - - 16,642 - 16,642 - - 9,731 500 10,231 - - - 2,100 2,100 - - 2,655 - 2,655 - - - - -
	137,423 288,550 57,055 2,600 485,628 18,406 38,649 (57,055) - - 1,300 1,300 - (2,600) -
	157,129 328,499 - - 485,628

7. Total expenditure

Cost of generating funds: Fundraising and publicity Trading company expenditure Charitable expenditure Governance costs Total resources expended	Other Staff Allocated Costs Depreciation Costs £ £ £ 15,136 - 805 31,964 3,839 40,688 374,593 1,750 102,816 - - 2,600 _ _ _____ 421,693 5,589 146,909	Total 2021 £ 15,941 76,491 479,159 2,600 _ 574,191	Total 2020 £ 12,600 78,395 302,210 2,450 _ 3 9 5 , 7 3 5

Of the total expenditure £132,482 (2020: £138,179) was unrestricted and £441,709 (2020: £257,556) was restricted.

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

8. Net income for the year: This is stated after charging: Trustees’ reimbursed expenses Trustees’ remuneration Auditors' remuneration (including expenses and benefits in kind) Audit Fee Depreciation on owned assets	2021 £ - - 4,900 5,589	2020 £ - - 3,600 5 , 9 3 2

The charity trustees were not paid or received any other benefits from employment with the Trust or its subsidiary in the year (2020: £nil). No trustees were reimbursed expenses during the year (2020: £98). No charity trustee received payment for professional or other services supplied to the charity (2020: £nil).

9. Analysis of staff costs, trustee remuneration and expenses, and the cost of key management personnel

9. Analysis of staff costs, trustee remuneration and expenses, and the cost of key management personnel
	2021	2020
	£	£
Wages and Salaries	350,330	240,515
Social security costs: employer’s national insurance	24,445	13,236
Employer’s contribution to defined contribution pension schemes	22,550	16,716
Other staff costs	24,368	5,615
Redundancy and termination costs	-	-
	_	_ _ _ _ _ _ _
	421,693	2 7 6 , 0 8 2
	_	_

There were no employees whose emoluments as defined for taxation purposes amounted to over £60,000 in the year.

The key management personnel of the charity are the trustees and the Chief Officer. The charity trustees were not paid or received any other benefits from employment with the Trust or its subsidiary in the year (2020: £nil). No trustees were reimbursed expenses during the year (2020: £NIL). No charity trustee received payment for professional or other services supplied to the charity (2020: £nil). The total employee benefits including pension contributions of the key management personnel were £53,444 (2020: £53,444).

Pension costs are allocated to activities in proportion to the related staffing costs incurred.

Cognisant of its responsibilities for charitable and public money Age UK Westminster pays only statutory redundancy pay but occasionally enhances settlements with pay in lieu of notice.

The average number of employees, calculated on a full-time equivalent basis, analysed by function was:

	2021	2020
	Number	Number
Charitable activities	10.25	8.0
Cost of raising funds (charity shop)	1.80	2.5
Management and administration of the charity	-	-
	_____	_____
Total	12.05	10.5
	_____	_____

10. Tangible fixed assets - Group

Leasehold	Furniture and	Total
improvements	equipment

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

Cost At 1 October 2020 Additions Disposals At 30 September 2021 Depreciation At 1 October 2020 Charge for year Disposals At 30 September 2021 Net book value at 30 September 2021 At 30 September 2020	£ £ £ 26,584 12,097 38,680 2,000 445 2,445 - (262) (262)
	28,584 12,280 40,864 14,212 9,959 24,171 3,502 2,087 5,589 - (262) (262)
	17,714 11,784 29,498 10,870 496 11,366
	12,372 2,138 14,510

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

11. Tangible fixed assets – Charity

		Computer	Office	Total
		Equipment	Furniture
		£	£	£
Cost
At 1 October 2020		8,287	1,637	9,924
Additions		-	-	-
Disposals		-	-	-
At 30 September 2021		8,287	1,637	9,924
Depreciation
At 1 October 2020		6,149	1,637	7,786
Charge for year		1,750	-	1,750
Disposals		-	-	-
At 30 September 2021		7,899	1,637	9,536
Net book value at 30 September 2021		388	-	388
At 30 September 2020		2,138	-	2,138
12. Investments
			2021		2020
			£		£
Charity:
Shares in subsidiary trading company at cost			15,000		15,000
			_	_
Total			15,000		15,000
			~~_~~	~~_~~
13. Debtors
	Group	Group	Charity		Charity
	2021	2020	2021		2020
	£	£	£		£
Trade debtors	25,459	44,634	25,459		44,125
Amount owed by subsidiary (Note 21 )	-	-	9,588		9,566
Prepayments and other accrued income	-	7,665	-		165

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

_ 25,459	_ 52,299	_ 35,047	_ 5 3 , 8 5 6

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

14. Creditors: amounts falling due within one year

Group Group Charity 2021 2020 2021 £ £ £ Trade creditors 8,398 14,683 8,398 Taxation and social security costs 8,061 5,738 8,061 Credit Cards 569 544 569 Accruals and deferred income 61,531 100,761 57,816 _ _ _ 78,559 121,726 75,364 _ _ _ 15. Financial commitments At 30 September 2021 the group has annual commitments under non-cancellable leases as follows: 2021 Land and Buildings £ Lease payments due: In less than one year 38,280 In one to five years 76,560 In more than five years - Total of commitments: 114,840	Group Group Charity 2021 2020 2021 £ £ £ Trade creditors 8,398 14,683 8,398 Taxation and social security costs 8,061 5,738 8,061 Credit Cards 569 544 569 Accruals and deferred income 61,531 100,761 57,816 _ _ _ 78,559 121,726 75,364 _ _ _ 15. Financial commitments At 30 September 2021 the group has annual commitments under non-cancellable leases as follows: 2021 Land and Buildings £ Lease payments due: In less than one year 38,280 In one to five years 76,560 In more than five years - Total of commitments: 114,840	Charity 2020 £ 7,596 5,738 544 9 7 , 5 1 8 _ 111,396 _ 2020 Land and Buildings £ 38,280 114,840 -
		153,120

15. Financial commitments

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

16. Statement of funds 2021

General Reserve Designated Funds Pension Reserve Charity Total Subsidiary Total Unrestricted Funds Restricted funds: Westminster CC and other Restricted Funds Befriending Digital Inclusion Give & Receive Information & Advice Love Your Community Visual Impairment Total Restricted Funds Total Funds	At 1 Oct At 30 Sep 2020 Income Expenditure Transfers 2021 £ £ £ £ £ 199,921 129,521 (55,903) - 273,539 - - - - - - - - - -
	199,921 129,521 (55,903) - 273,539 (3,584) 70,988 (76,579) - (9,175)
	196,337 200,509 (132,482) - 264,364
	25,599 232,383 (262,054) 25,000 20,928 53,277 8,032 (20,878) - 40,431 597 42,769 (42,000) - 1,366 - 7,375 (14,445) 7,070 - 163 103,953 (70,015) (25,000) 9,101 37,053 39,843 (32,316) (7,070) 37,510 73,985 - - - 73,985
	190,674 434,355 (441,708) - 183,321 -
	387,011 634,864 (574,190) - 447,685

The General Reserve represents the free funds of the charity which are not designated for particular purposes.

The restricted funds balance as at 30 September 2021 represents income provided from the sources listed above which was received during the year but not yet fully utilised.

Purposes of restricted funds:

Befriending Project – Provide face to face support to vulnerable older people who are experiencing social isolation.

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

Digital Inclusion (formerly IT @Home) – help our clients make the most of the internet and electronic devices. Give & Receive - Offer inclusive volunteering opportunities to Westminster residents aged 60 plus. Information & Advice – Give advice in one-to-one sessions, mainly regarding benefits. Love Your Community – Outreach to residents of Marylebone and surrounding areas Visual Impairment – Provide specific assistance to visually impaired older residents of Westminster

Statement of funds 2020

General Reserve Designated Funds Charity Total Subsidiary Total Unrestricted Funds Restricted funds: Westminster CC and other restricted funds Befriending Project Digital Inclusion Give & Receive Information & Advice Love Your Community Visual Impairment Total Restricted Funds Total Funds	At 1 Oct At 30 Sep 2019 Income Expenditure Transfers 2020 £ £ £ £ £ 152,148 76,929 (29,156) - 199,921 30,000 - (30,000) - -
	182,148 76,929 (59,156) - 199,921 (1,500) 76,625 (78,709) - (3,584)
	180,648 153,554 (137,865) - 196,337
	- 72,197 (79,365) 32,767 25,599 42,557 56,567 (23,847) (22,000) 53,277 - 6,555 (5,958) - 597 6,755 800 (10,470) 2,915 - - 70,625 (70,462) - 163 13,689 72,107 (35,061) (13,682) 37,053 106,692 - (32,707) - 73,985
	169,693 278,851 (257,870) - 190,674
	350,341 432,406 (395,735) - 387,011

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

17. Legal status of the charity

The charity is a company limited by guarantee and has no share capital. The members of the company are the trustees named in the Report of the Board of Trustees. In the event of the charity being wound up, the liability in respect of the guarantee is limited to £1 per member of the charity.

18. Related party transactions

There were no related party transactions in the year to 30 September 2021 (2020: £nil). There are no donations from related parties which are outside the normal course of business and no restricted donations from related parties.

One of our trustees, Ian Adams, is a councillor and was previously Lord Mayor of Westminster City Council. Westminster City Council funds our Information & Advice project via the Westminster Advice Services Partnership, our Direct Payments project and various ad hoc projects via the Edward Harvist Trust. Westminster City Council is indirectly our landlord for our office for which we pay a market rent. Ian was appointed Lord Mayor of the City of Westminster for the 2017-18 year and he kindly chose us as one of his selected mayoral charities.

19. Control

The charitable company is controlled by the trustees.

20. Analysis of group net assets between funds

Restricted Designated funds funds £ £ Fund balances at 30 September 2021 are represented by: Tangible fixed assets - - Current assets 183,322 - Current liabilities - - _ _____ Total net assets 183,322 -	General funds £ 11,366 331,556 (78,559) _ 264,363	Total £ 11,366 514,877 (78,559) _ _ _ _ _ 4 4 7 , 6 8 5

Analysis of group net assets between funds 2020

General

Restricted Designated

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

funds £ Fund balances at 30 September 2020 are represented by: Tangible fixed assets - Current assets 190,674 Current liabilities - _____ Total net assets 190,674	funds funds Total £ £ £ - 14,510 14,510 - 303,553 494,227 - (121,726) (121,726) _ _ _ _ _ _ _ - 196,337 3 8 7 , 0 1 1

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2021

21. Subsidiary company

The charity owns the whole of the issued ordinary share capital of Age UK Enterprises (Westminster) Limited, a company registered in England. One of these shares is held in trust for the company by one of our trustees, Neil Carthy.

The subsidiary is used for non-primary purpose trading activities of which the principal activity is running charity shops. Any net profit is gifted to the charity. Corporate inco me is treated as donations. All activities have been consolidated on a line by line basis in the SOFA.

In August 2016 we signed a loan agreement with the subsidiary company. There is 3% interest payable on the loan and it is being repaid monthly over five years. The loan is secured by substantially all of the assets of the subsidiary company. As of 30 September 2021 the outstanding loan amount is £6,380 (2020: £6,380). As of 30 September 2021 the subsidiary company owes in addition £3,186 (2020: £3,186) on the inter-company account.

A summary of the results of the subsidiary is shown below:

A summary of the results of the subsidiary is shown below:
	Total	Total
	2021	2020
	£	£
Turnover	70,988	76,625
Cost of Sales	(1,078)	(1,599)
	_	__
Gross Profit	69,910	75,026
Administrative expenses	(75,413)	(76,796)
Loan interest paid to parent company	(88)	(314)
Donation to parent company	-	-
Net Profit / (Loss)	(5,591)	( 2 , 0 8 4 )
	_____	_____

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