CHARITY COMMISSION
FOR ENGLANO ANO WALES
Trustees, Annual Report for the period
From
1st June 2023
To 31" May 2024
Charity name: St Bernard Support CIO
Charity registration number: 1167104
Objectives and Activities
SORP refe￿nce
Para 1.17
Summary of the purposes of
the charity as set out in its
goveming document
To promote and protect Good Health and
Well-Being among people suffering from
life limiting illnesses, their families and
carers in particular but not exclusively by
providing infomiation, advice and practical
support.
Summary of the main
activities in relation to those
purposes for the public
benefit, in particular, the
activities, projects or
seNices identified in the
accounts.
Para 1.17 and
1.19
St Bemard Support CIO continued to
undertake a number of activities to help
people affected by lrfe limiting illnesses and
tenninal illnesses during the accounting
year. St Bemard Support continued to work
wilh a number of partners and
organisalions including GPS, hospices.
hospital trusts, charities. support groups etc
in delivering our services. St Bernard
Support continues to operate on a
nationwide basis.
We provide our ServI￿S either directly
ourselves or by working with partners. One
way we help people affected by life limiting
illnesses is via our charity's financial well-
being help sessions that promote financial
well-being amongst people affected by life
limitin9 illnesses. St Bemard Support
continued lo provide fa￿ to face help
sessions (taking appropriate precautions
where necessary regarding coronavirus).
We also continued to provide our seNices
online and by telephone. The help sessions
and talks we have hosted have been
informative and helpful to those who have
attended them. Furihemiore. we have
worked with people affected by life limiting
illnesses on an individual one-2-one basis
by telephone, over the intemet and in
person when necessary.
By helping people affected by life limiting
illnesses and temiinal illnesses, St Bernard

Support has benefited the wider
community. Our actions in promoting the
well-being of individuals and those that
care for them as well as work with other
partners has helped people affected by life
limtting illnesses such as cancer, heart
disease etc.
The truslees of the Charitable Incorporated
Organisation have paid due regard to the
guidance issued by the Charity
Commission on public benefit. The trustees
have ensured that this is embedded in the
charity's activities and in its seNices to
people affected by life limiting illnesses.
Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit
Para 1.18
The Charily continues to meet the Charity
Commission's public benefit criteria under
both the advancement of citizenship or
community development headings. The
charity advances citizenship and
community development by the assistance
it provides to people affected by illnesses,
their families and carers.
Additional Infornlatlon (optional)
You ma
choose to include further statements where relevant about:
SORP ￿ference
Sl Bemard Support does not have a fomial
policy regarding granlmaking. Given our
size it is not possible for St Bernard
Support to make grants to individuals or
other organisations.
Para 1.38
Policy on grant making
St Bemard Support's policy on social
investment is to ensure that all the charity's
activities are aimed at benefiting the
charity's users and wider society.
Para 1.38
Policy on social investment
including program related
investment
St Bemard Support has been greatly
assisted by volunteers in helping the
charity deliver assistance to people
affected by life limiting illnesses and those
that care for them.
Contribution made by
volunteers
Para 1.38
Additional assistance has been offered by
other organisations Ihal have referred
clients on to the charity in order to benefit
from our services.
The charity's activities have also benefited
from free publicity offered by other
organisations who have been happy to
publicise the charity's activities. Again, this
has enomiously benefiled Ihe charily in
enhancing the setvices it has been able to
provide to people affected by life limiting
illnesses.

Other
Achievements and Performance
SORP reference
The main achievement of the charity in
202312024 continues to be helping people
affected by life limiting illnesses and those
that care for them.
Summary of the main
achievements of the charity.
identifying the difference the
charity s work has made to
the circumstances of its
beneficiaries and any wider
benefits to society as a
whole.
Para 1.20
The charity continues to receive positive
feedback from individuals that the charity
has assisted. We have received both oral
feedback and written statements of
appreciation. The charity IS 21ways keen to
receive feedback from stakeholders as this
allows us to enhance and improve the
services we offer.
The charity has also received positlV8
feedback from organisations we have
helped or worked in partnership with.
Again, we are always keen to seek
feedback in order to ensure we meet the
expectations of our partners and if
possible, exceed them.
The charity provides its services on a
nationwide basis. We continue to provide
face to face help sessions. Our seNices
have also been provided over the internet
and by telephone.
Recipients of our charity's services have
found our assistance to be useful,
infomiative and supportive in meeting their
needs and requirements.
The charity's online Well-Being webinars
continue to be infonnative and useful for
the people who have participated in them.
The charity's partly owned not for profit
joint venture SBS Financial Services CIC
(Community Interest Company) also
delivered services to clients. SBS Financial
Services CIC is authorised and regulated
by the Financial Conduct Authority {FCA) to
provide independent financial advice lo
clients. The charity has also continued to
provide our free will-writing service which
will provide a future income to the charity
via legacies from the individuals receiving
free wills.

The charity has continued to look to
expand the services it offers to people
affected by life limiting illnesses. We intend
to do this by working in partnership with
other individuals and organisatlons such as
GPS. hospices and charities. We already
provide our well-being services in
partnership with other organisations and
individuals and any expansion will only be
limited by the size of our chartty.
Additional infomiation {optional)
You ma
choose to include further statements where relevant about..
The main achievement of the charity in
202312024 continues to be helping people
affected by life limiling illnesses and those
that care for them.
AGhievements against
objectives set
PaTr 1.41
Recovering from coronavirus pandemic and
other commitments by the trustees and
volunteers continued to have a significant
impact on the charity's fundraising efforts.
The charity prioritised the delivering of its
services rather than fundraising in the
2023-2024 Accounting Year.
Performance of fundraising
activities against objectives
set
Para 1_41
The charity continued to develop SBS
Financial SeNices CIC and its free will-
writing service with the intent of generating
future incotne from these sources.
The charity continues to hold its monies in
a high street bank. The charity didn't set
particular investment perfomiance
objectives as it5 priority for its monies is to
use them to deliver tts services.
Investment perfomiance
against objectives
Para 1.41
Other

Financial Review
Review of the charity's
financial position at the end
of the period
Para 1_21
The charity s financial position at the end of
period was satisfactory given the support
offered by trustees and volunteers.
The charity made an operating loss in the
2023124 Accounting Year.
The operating loss saw the charity's
reserves reduce in the 2022123 Accounting
Year, and the charity continued to benefit
from the generosity of its trustees and
volunteers in deferring claiming expenses.
The charity is looking to grow its operations
in Ihe 2024125 Accounting Year.
Statement explaining the
policy for holding reserves
stating why they are held
Para 1.22
At the moment the charity's priority is using
its income to seNe the needs of people
affected by life limiting illnesses such as
cancer and heart disease. Although
building up reserves is important, the
trustees feel that their priorily is maximising
the charity's service offered to ils clients
and stakeholders.
Amount of reserves held
Para 1.22
The charity had reserves of £291.31 in its
bank account at the end of Ihe Accounting
Year.
Reasons for holding zero
reserves
Details of fund materially in
deficit
Para 1.22
Para 1.24
The charity ran an operating loss in
202312024.
Nevertheless, trustees and volunteers
continued to support the charity through
deferring claiming past expenses and costs
back from the charity.
Explanation of any
unceriainlies about the
charity Gontinuing as a going
concem
Para 1.23
There are no uncertainties about the charity
continuing as a going concem because it
continues to be supported by its trustees
and volunteers.
Additional infomiation (optional)
You ma
choose to include further statements where relevant about..
The charity received a small amount of
donations in the 202312024 Accounting
Year because it focussed on ￿bUIldIng its
charitable activities rather than on
fundraising activities.
The charity's principal
sources of funds {including
any fundraising)
Para 1.47
Para 1.46

Investment policy and
objectives including any
social investment policy
adopted
The charity's investment policy is to hold its
monies in a high street bank to prioritise
security of its monies.
The trustees take a proactive attitude in
considering major risks and always seek
effective ways to manage and minimise
risks. The trustees have identified the major
risks to which they believe the charity is
exposed, these have been reviewed 8nd
systems have been established to mitigate
against them.
A description of the principal
risks facing the charity
Para 1.46
Injury to trustees, volunteers, members and
activity participants. The charity ensures
that all venues used by the charity for its
activities have adequate insurance
arrangements in place. Where necessary
risk assessments are undertaken before all
activities.
Reduced income from fundraising. The
charity is reliant upon income from
donations and the generosity of the
trustees and volunteers in deferring
payment of expenses. The charity's
strategy for dealing with reduced income
from fundraising is to ensure that it
manages ils activities in proportion to the
level of ongoing income, or the willingness
of its trustees and volunleers to subsidise
ils aciivilies. The charity has also benefited
from goodwill from other organisations who
have provided venues for meetings free of
charge. This has helped reduced the
charity's possible expenditure.
Succession planning. The charity is heavily
reliant upon volunteers to run and
administer its activities. If there was a
reduction in the number of volunteers the
charity would have to reduce the scope and
scale of ils activities. In the worst case
scenario, the charity would have to be
wound up.
Damage to the building, property and
equipment. The charity's office address is
rented. The owners of the building being
responsible for insurance arrangements.
The charity makes use of venues for
holding meetings and seminars. Again, the
charity ensures that these venues have
appropriate insurance arrangements in
place.
Financial A￿angernents. The charity has in
place systems of internal controls that are
desi
ned to
rovide reasonable assurance

against material mismanagement or loss.
These include 2 signatories for all
payments and a majority agreement
amongst trustees for all spending
commitments.
Safeguarding of vulnerable clients. The
charity helps people affected by serious,
terminal and life limiting illnesses.
Sometimes these clients are vulnerable.
The charity operates a Safeguarding policy
regarding its relationship with vulnerable
clients and also acts to ensure that partners
that the Gharity works with comply with the
charity's safeguarding policy. The charity's
Safeguarding policy is updated to comply
with best practice.
Protection of client data. Where the charity
holds client data it ensures that it is held in
compliance with data protection legislation.
No client data is passed onto partners or
other organisations without the consent of
the client concemed. All clients are asked
to sign a Client Agreement confimiing their
agreement to the holding of Iheir personal
data. The charity also ensures that partners
that the charity works with have compliant
data protection policies in place.
other

Structure, Governance and Management
Description of charity's
trusts:
Type of goveming document
Para 1.25
Constitution
How is the charity
constituted?
Para 1.25
Association
tii'.ialinii. CIO)
Trustee selection methods
including details of any
constitulional provisions e.g.
election to post or name of
any person or body entitled
to appoint one or more
trustees
Par8 1.25
Elected by Membership
Additional infonnation (optional)
You ma
choose to include further statements where relevant about:
Policies and procedures
adopted for the induction
and training of trustees
Para 1.51
The charity's organisational
structure and any wider
network with which the
charity works
Para 1.51
Relationship with any related
parties
Para 1.51
Other
Reference and Administrative details
Charit
name
Other name the chari
uses
istered charit
number
Charity s principal address
St Bemard Su
St Bemard Su
1167104
Broadstone House
Broadstone Mill
Broadstone Road
Reddish
Stockport
SK5 7DL
ort CIO
rtISBS

Names of the charity trustees who manage the charity
Trustee name
Officè (rf anyl
Dates acted if not for whole
èar
Name of person lor body) èntitled
toa
oint trustee
if an
Membership of Charity
Christopher Alan
Bates
Trustee
Nicola Roberts
Trustee
Membership of Charity
Membership of Charity
Christian John Cox
Trustee
10
13
14
15
16
17
18
19
20
Co
orate trustees- names of the directors at the date the re
ortwasa
roved
DirÈ¢tor nam•
Name of trustees holding title to property belonging to the charity
Trustee name
Dates acted If not for whole
ear

Funds held as custodian trustees on behalf of others
Description of the assets
held in this capacrty
Name and objects of the
charity on whose behalf Ihe
assets are held and how this
falls within the cuslodian
charity s objects
Details of arrangements for
safe custody and
segregation of such assets
from the charity's own
assets
Additional information {optional)
Names and addresses of advisers (Optional inforniation)
Type of
Name
Address
adviser
Name of chief executive or names of senior staff members (Optional information)
Exemptions from disclosure
Reason for non-disclosure of ke
ersonnel details
Other o
tional information

Declarations
The trustees declare that they have approved the trustees, report above.
Signed on behalf of the charity's trustees
Signature{s)
Full name(s)
Position (eg Secretary,
Chair, etc}
OF /
Date
3I/oS/Z02f

CHARITY COMMISSION
FOR ENGLAND AND WALf S
St Bernard Support CIO
1167104
Receipts and payments accounts
CC16a
Foi the pgriod
from
1st Jure 2023
To
31st May 2024
Section A Receipts and payments
Unrestricted
funds
Reslrictod
funds
Endowment
fund$
Total funds
Last year
t¢* the neare$i
tts Ihe nearest E
to Ihi n•arest £
to the nearèst e
to th• n•¥resl Z
A1 Recèi
DOn3t￿n5
Partnership Income
Le
acies
250
250
Sub total (Gross income f(Y
AR)
250
250
A2 Assot and investment sales.
Isee tablel-
Sub total
Total receipts
250
250
A3Pa
ments
Des
8 Printin9
Licencing
Te*phon
S￿li0nery
Travel Expense5
VenuolA¢¢omtnodaiKin Costs
Website Hosting
Insurances
Will Wriiing SeTV￿e
35
499
35
499
35
312
2.643
564
48
249
915
2,643
S84
4B
249
915
4,262
949
48
210
540
Sub total
A4 Asset and inve$tm•nt
pur¢hases,
see table
Sub total
Total payments
Net of receipts/{payments)
A5 Transfèrs between funds
A6 Cash funds last year end
Cash funds thls year end
1,895
291
1.895
291
4,427
1.895
CGXX R1 accounts ISSI
3110312025

Section B Statement of assets and liabilities at the end of the period
Categories
Unrestricted
funds
Restricted
funds
to nearest £
Details
Endowment
funds
to nvare$t £
to n8ar05t £
81 Cash funds
Bank A¢¢ounl
291
Total eash funds
291
¢Xwtl511
UnrestriGted
funds
Restricted
funds
Endowment
funds
Detsils
to nearest £
to nearèst È
to ngaresl £
82 Other monetary assets
Fund to whlch
a55el belon
Details
Cost loptlonall
Current valu
o tional
B3 Investment assets
Fun¢ to vihiGh
asset belon
Details
Current value
Co$1 loptionall
B4 Assets retained for the
charity's own use
Fund to which
relate$
Travel Expenses
Detall$
Travtri Expenses 2017-2023
Amoun¢ due
tional
6,582
When due
o tion31
B5 Llabilities
Other Exponses 2017-2023
Te￿phonY1 Websrte
T13
WebSite￿e*phOnY 2023-24
Websitel Te￿phOnY
127
VenuÈlAccommod¥tK)n 2023124
VenuelAccornmodat
350
Travel Expenses 2023-24
Travel Exppnses
2.643
Signed by one or tm) trustees on
behalf of all th8 trustees
Sigrialure
Print Name
Dale of
roval
£r
CCXX R2 accounts ISSI
3110312025