Year in Review 2019-20 - Bravery Trust

 
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Year in Review 2019-20 - Bravery Trust
Year in
Review
2019-20
Year in Review 2019-20 - Bravery Trust
Who We Are                                                             Contents
    Bravery Trust is a national military charity that provides financial aid, financial counselling,   Who We Are                           2
    and education support to injured veterans and their families who are in financial hardship.
                                                                                                       Message from our Chairman           4

                                                                                                       Message from the CEO                8
    Mission                                            Values
                                                                                                       Our Impact                          10
    Bravery Trust changes lives by ensuring            To offer hope and dignity through
    veterans and their families do not suffer          professional and empathetic action, to            Financial Assistance              11
    as a consequence of their service and are          enable beneficiaries to move forward with         Financial Counselling             11
    provided with immediate support and                their everyday lives. To work together and        Education                         11
    assistance in their time of need.                  establish collaborative relationships with
                                                       government, stakeholders, ESOs and the          Who is a Veteran?                   12
                                                       wider community.
                                                                                                       Veterans and Their Families
                                                                                                       in Emergencies & Crises             13
                                                                                                          eterans and their Families in
                                                                                                         V
                                                                                                         Emergencies & Crises              13
                                                                                                         Beneficiary payments              14

                                                                                                       Healthy Finances                    16
                                                                                                         Veteran Financial Counselling     16
                                                                                                         What we are doing                 16
                                                                                                         How it works                      16

                                                                                                       A Lifetime of Learning              17
                                                                                                         Anzac Centenary Fund              17

                                                                                                       Looking Forward                     18

                                                                                                       Q & A with incoming Chairman,
                                                                                                       Garth Callender                     19

                                                                                                       Brave Stories                       21
                                                                                                         Allison                           21
                                                                                                         Will & Naomi                      22

                                                                                                       Community & Engagement              23

                                                                                                       Thank You                           24
      Bravery Trust
2     Year in Review, 2019-20
Year in Review 2019-20 - Bravery Trust
Message from our
                                                                                                     trained to also provide financial guidance.     Low interest rates have impacted on the
                                                                                                                                                     Trust’s income from investments. Last year,
                                                                                                     The jewel in the crown of Bravery Trust
                                                                                                                                                     after careful consideration, the Finance

                     Chairman
                                                                                                     is Tracy, the Manager of the Beneficiary
                                                                                                                                                     Committee asked the Board to approve
                                                                                                     Services Team. By providing urgent
                                                                                                                                                     the appointment of JB Were to manage
                                                                                                     assistance with a thoughtful and caring
                                                                                                                                                     part of the Trust’s reserve funds with
                                                                                                     manner, the Beneficiary Services Team
                                                                                                                                                     investments that would achieve a higher
                                                                                                     help to ease financial pressures that can
                                                                                                                                                     rate of return than bank interest. While
                                                                                                     lead to other trauma such as possible
                                                                                                                                                     there was a setback with the downturn in
                                Our Changing         as awareness of the Trust’s work grew, so       suicide, violence and mental health
                                                                                                                                                     economic activity and equity markets in
                                                     did the tempo of the work. The Trust has        issues. Their courteous, discreet advice
                                World                                                                                                                the early days of COVID19, I am pleased
                                                     scaled up its operations accordingly. In this   helps families and individuals who are
                                                                                                                                                     that there has been a significant recovery
                              To say that this       financial year $1.1 million in financial aid,   at breaking point because of financial
                                                                                                                                                     in our investment, which is expected to
                              has been a             paid over 1,400 bills and provided financial    pressures. They put in long days and can
                                                                                                                                                     achieve significantly higher rates of return
                              difficult year is an   relief to 664 veterans and families.            turn around most requests for assistance
                                                                                                                                                     and growth in the years ahead.
                              understatement                                                         within 24 hours, often less for urgent cases.
                                                     We received 2,115 calls for assistance
                              – it is one of the                                                     Their dedication to the veteran community       Fundraising Campaign
                              most trouble-          from veterans and families in need in           is exceptional and I cannot praise them
                              filled years in        the last quarter, an increase of 33.4%          highly enough for the outstanding results       Despite the challenging times, Bravery
                              living memory.         over the previous quarter. The most             they achieve.                                   Trust is about to launch a major fundraising
                              There have been        prevalent needs of beneficiaries were                                                           initiative, which has been months in the
    bushfires, floods, cyber-attacks, escalating     for rent, vehicle maintenance and utility       Finance                                         planning and carefully monitored by the
    international tensions leading to threats of     costs. The beneficiaries team has in                                                            Board. A detailed feasibility study was
                                                     recent times aided veterans whose family        The Trust is in a very sound financial
    war and the COVID-19 virus.                                                                                                                      completed by the experienced fundraising
                                                     members have been severely impacted             position, thanks in no small way to excellent
                                                                                                                                                     firm, Dalton Garland Blanchard (DGB),
    Within the veteran community, Bravery            by COVID19, through loss of employment          oversight by our Finance Committee,
                                                                                                                                                     involving interviews with several prominent
    Trust has stood firm and has continued           or hibernation of their businesses.             capably chaired by Vicky Carlson and her
                                                                                                                                                     Australians, including Defence and
    to provide timely advice and support to          Importantly, 20% of requests for assistance     dedicated group of volunteer committee
                                                                                                                                                     business leaders. We thank all those
    veterans and their families at a time when       involved some form of family violence or        members. The standard of reporting
                                                                                                                                                     involved in our feasibility study for their
    they face financial difficulties caused by the   a pronounced increase in mental health          to the Board is very high, backed up
                                                                                                                                                     expert advice.
    economic and social realities of our time.       issues.                                         by comprehensive monthly dashboard
    Many who were faring well a year ago                                                             reports lead by Sabrina and Freddie of our      Our Support Base
    are now struggling because of changed            In recent months Bravery Trust has              Corporate Services Team. In anticipation
                                                     commenced a financial counselling               of a heavy demand on our finances the           I am very thankful for the input we
    economic circumstances: business closures,
                                                     program to assist veterans and families         past financial year, the Trust had budgeted     received from our outstanding support
    job losses and diminution of savings.
                                                     who are experiencing financial stress.          for a deficit of $510,000 but finished the      base during the year. We welcomed His
    Government and other help are available,
                                                     This program has had an immediate               year with a modest surplus of $79,000.          Excellency General the Honourable David
    but sometimes there is a delay, or veterans
                                                     impact. We are indebted to Major General        This was due to an increase in the level of     John Hurley AC DSC (Retd), as our new
    need a hand to navigate various systems.
                                                     Natasha Fox AM, Head People Capability          fundraising during the year and keeping         Patron in Chief. His predecessor, General
    Bravery Trust is on hand to help with
                                                     Defence People Group at the Department          expenses $200,000 below budget. We are          Sir Peter Cosgrove AK, CVO, MC, has
    urgent assistance, to meet basic costs for
                                                     of Defence and Air Commodore Robert             greatly indebted to Coles for their ongoing     agreed to continue to support Bravery
    rent, utilities, health expenses and food and
                                                     Brown AM, Chair of the ADF Financial            commitment to Bravery Trust which this          Trust as an Ambassador. The Trust has
    fuel vouchers.
                                                     Services Consumer Centre, for the faith         year was in a fundraising campaign across       an impressive list of service patrons; all
    Support for Veterans and Families                that they have shown in Bravery Trust           all their Australian stores for the sale of     previous Chiefs of Defence support us in
                                                     to deliver on this important service. As        Coles Bakery branded cookies or biscuits        this role. Our Ambassadors, Kevin Sheedy,
    Since its inception in 2012 the Trust has paid   an indication of its importance to our                                                          Justin Langer, Phillip Thompson and Dr.
                                                                                                     in the lead up to Anzac Day. A total of
    out $5.5 million in financial aid to 4,924       work, an additional financial counsellor                                                        Paul Alexander have been willing to lend
                                                                                                     $232,000 was raised for the Trust; our
    beneficiaries. In the early years, the level     is about to be employed and several of                                                          their support as needed.
                                                                                                     sincere thanks to all who were involved.
    of financial support was quite modest, but       the beneficiary services team are being

      Bravery Trust
4     Year in Review, 2019-20
                                                                                                                                                                         Message from our Chairman   5
Year in Review 2019-20 - Bravery Trust
I also thank the Minister for Veterans’        remarkable team who are the critical               his appointment as Chairman and I know           the encouragement of our patrons,
    Affairs and Defence Personnel, the Hon         first point of contact with beneficiaries.         that he has the skills and is the right person   ambassadors and sponsors, supported by
    Darren Chester MP, and his staff and           My sincere thanks to Tracy, Sarah, Penny,          for the job.                                     key government agencies, the Trust has
    MAJGEN Natasha Fox AM CSC, Head of             Kylie, Aida and Jillian for the care and                                                            come through some difficult times and
                                                                                                      I would like to thank all directors for their
    People Capability in Defence, as well as Liz   compassion that they bring to their roles in                                                        has flourished. I know that it will ascend to
                                                                                                      wise counsel and trust in me as Chairman
    Cosson AM, CSC, Secretary Department           support of veterans and families in crisis.                                                         new heights under the leadership of the
                                                                                                      and I wish them and the Trust every
    of Veterans Affairs, and Don Spinks AM,                                                                                                            incoming Chairman Garth Callender and
    the Repatriation Commissioner, for their       The Board                                          success in the future.
                                                                                                                                                       I wish everyone involved every success for
    ongoing support. They have all shown a         The Board has undergone considerable               Some Final Words                                 the future. The times ahead are uncertain,
    very keen interest in the work of the Trust    change in the past year following the                                                               but I leave knowing that our veterans and
    and for that I am extremely grateful.                                                             It is with some sadness that I have decided      families are in the safe hands of some
                                                   development of a skills matrix that identified
                                                                                                      to step down from the role of Chairman. It       amazing people who are responsible
    Another critical component of our support      critical skills and the need to achieve a
                                                                                                      is never easy to say goodbye, particularly       for the future direction this unique and
    base are our sponsors, Leidos, Virgin          better geographic spread of directors. The
                                                                                                      to an organisation and to people who             genuinely caring organisation.
    Australia, Coles Group, Wilson Security        mainstays of the board have been Jane
                                                                                                      have been so much a part of my life in
    and Omni Executive, who have been very         McAloon, Vicky Carlson and Bob Cronin AM;                                                           I can proudly say that Bravery Trust is
                                                                                                      undertaking such important work on behalf
    generous in their support for Bravery Trust    Bob retired earlier in the year. I would like to                                                    well placed to provide critical support to
                                                                                                      of the veteran community. We have been
    over many years. On behalf of the Trust        acknowledge their outstanding efforts and                                                           current and future generations of veterans
                                                                                                      through a lot together and while we have
    and particularly the beneficiaries who you     their courage, skill and integrity in dealing                                                       and families.
                                                                                                      celebrated many achievements, we have
    have assisted in their hour of need, a big     with some critical issues that the Trust faced
                                                                                                      also been through some challenging times.
    thank you for your wonderful generosity.       in that time. Bob joined the board shortly
                                                   after its inception and his experience and         As the last of the inaugural directors, I
    Our People                                     clarity of thought in difficult times was          can clearly recall the first Board meeting
                                                   invaluable. Jane and Vicky have also been          of the then Legacy Services Trust in Perth
    The staff of Bravery Trust are
                                                   remarkable contributors and I am indebted          in April 2012 and the sense around the
    extraordinary people who do a
                                                   to them for the enormous amount of time            boardroom table of
    remarkable job in their respective roles                                                                                                           Peter Fitzpatrick AO, AM (Mil), JP
                                                   that they have contributed to the Trust and        the immensity of the
    of caring for beneficiaries and in the
                                                   for their unwavering support and friendship        task in front of us. We
    administration of the affairs of the Trust.
                                                   over the years.                                    were a Perth based
    The arrival of Belinda Wilson as CEO
                                                                                                      organisation with
    was a catalyst for the positive change of      Cheryl Cartwright next joined the
                                                                                                      seven Perth based
    energy within the Trust. Her enthusiasm,       Board and brought with her a depth
                                                                                                      directors and we
    capacity for hard work, strong leadership      of understanding of the workings of
                                                                                                      faced the daunting
    and her intuitive sense for bringing           government and impeccable media
                                                                                                      task of establishing
    out the best in her team have been             skills. In more recent times, the Board
                                                                                                      a credible national
    inspirational. I am deeply indebted to         has been joined by the highly skilled and
                                                                                                      organisation to
    her for her support of me as Chairman          well-known Garth Callender. And more
                                                                                                      offer immediate
    and I am sure I speak on behalf of all         recently, Brett Dowsing, Simon Matthews
                                                                                                      financial support
    directors and the staff in acknowledging       and Steve Patrick have brought with them
                                                                                                      to vulnerable
    the amazing transformation that has            a rich vein of experience and skill that will
                                                                                                      veterans and
    been achieved at the Trust in her time as      serve the Trust well into the future. They
                                                                                                      families.
    CEO. Belinda has been ably supported           have demonstrated clarity of thought and
    by Sabrina Gao our highly efficient CFO,       a capacity to understand contemporary              Thanks to the
    our hard-working Fundraising Manager,          issues faced by the organisation.                  support of
    Gwen O’Hanlon, and Freddie Yang who            Importantly, they are also representative          exceptional
    takes on just about everything else behind     of a generational change within the Trust          directors,
    the scenes.                                    that is closer to the veterans and families        dedicated
                                                   that we support. I congratulate Garth on           staff and
    In Camden, Tracy Attewell runs a

      Bravery Trust
6     Year in Review, 2019-20
                                                                                                                                                                                     Current Chapter   7
Year in Review 2019-20 - Bravery Trust
Message
                                                                                                    | Increased awareness and use of our        assistance they may require. This is the
                                                                                                      education fund, which provides financial    same for referrals from Bravery Trust to
                                                                                                      assistance for education opportunities,     other services, working towards providing

                                from the CEO                                                          with applications being assessed on the
                                                                                                      following strengths:

                                                                                                       - education that
                                                                                                                                                  a more comprehensive support system
                                                                                                                                                  and case management approach for those
                                                                                                                                                  that are seeking assistance.

                                                                                                          provides a pathway
                                                                                                          to employment;
                                                                                                                                      Bravery Trust, thanks for your support and
                                   During this         - a
                                                          new toll-free number,
                                                                                                       - opportunities
                                   extremely             1800 BRAVERY, making it free to
                                                                                                          for primary
                                                                                                                                      being there for me – please understand
                                   challenging           ask for financial assistance;
                                   year we have
                                                                                                          and secondary               how much you have enabled my life
                                                          more accessible website, with all
                                                       - a                                                school children to
                                   witnessed
                                                         relevant information in one place,               participate in school       to change. I now am optimistic about
                                   an increase
                                                         along with a quick eligibility check             activities, purchasing      tomorrow, where my life is leading and I
                                   in veterans’
                                                         to reduce the “referral merry-go-                of school uniforms
                                   mental health
                                                         round” for the veteran; and                      and access to               can adequately plan for my financial future
                                   issues, with
                                                                                                          necessary learning
                                   85% of our          - veteran connections through social
                                                                                                          tools such as books,                                                      — Jane*
                                   beneficiaries          media, including financial tips, how
                                                                                                          technology and                                     *Name changed to protect identity
                                   experiencing           to ask for assistance and articles
                                                                                                          stationery, ensuring
    poor mental health, an increase of 10%                from Bravery Trust beneficiaries on
                                                                                                          that they are not left
    from last year. We have seen other factors,           why it is ok to ask for help – to break
                                                                                                          behind their class                      Thank you to everyone who supports
    such as domestic violence and inadequate              the stigma and reach out before
                                                                                                          mates; and                              Bravery Trust: our volunteers; partners;
    financial literacy having also contributed to         crisis hits.
    the overall physical and financial wellbeing                                                       - items that aid veterans to be           donors; Defence and veteran community;
    of veterans and their families, with 37%        | L aunching national veteran specific                                                       Ex-Service Organisation colleagues; our
                                                                                                          employment-ready, helping to
    reaching out within 5 years of transition.        financial counselling in partnership with                                                   beneficiaries; and our dedicated staff. No
                                                                                                          remove barriers to employment,
                                                      the ADF Financial Services Consumer                                                         matter what the next 12 months brings, I
                                                                                                          such as industry or professional
    Bravery Trust’s team (comprising volunteer        Centre.                                                                                     know that we will work together for our
                                                                                                          licence registration fees, vital
    directors and committee members, staff            Having expert advice within our team                                                        veterans. #BraveTogether
                                                                                                          equipment (e.g. stethoscope for a
    and volunteers) has created not only              means that veterans and their families
                                                                                                          nurse) or tools to connect (such as
    a nurturing, inclusive and inquisitive            can obtain financial counselling
                                                                                                          internet access and laptops).
    culture, but one that strives for continuous      assistance; information; advocacy;
    improvement. I am pleased to share some           assistance with debt reduction such as        | Strong pathway to providing a
    of those improvements with you:                   negotiated debt payments and waivers;           complementary service with other
                                                      budgeting; money plans; and education           military and veteran support agencies,
    | R
       educing barriers for veterans and
                                                      tools.                                          including having developed clear            Belinda Wilson LLB, GAICD
      family members to ask for help through
                                                                                                      referral pathways into Bravery Trust
      the development of tools to make it           It is provided in the one trusted and
                                                                                                      from Defence, rehabilitation consultants,
      simpler to ask for help and to break          independent place, without the need for
                                                                                                      Department of Veterans’ Affairs,
      down the stigma that can be attached to       veterans to continually re-explain their
                                                                                                      Open Arms and other Ex-Service
      asking for assistance. This has included      circumstances, and we have the shared
                                                                                                      Organisations.
      launching:                                    goal of creating long-term financial
                                                    security – ensuring that they do not fall       Having strong and working relationships
           n interactive online application
        - a
                                                    back into crisis.                               makes it easier for support services to
          form, which can also easily be
                                                                                                    reach out on behalf of veterans to ensure
          printed and completed by someone
                                                                                                    that they have access to any financial
          on behalf of the veteran;

      Bravery Trust
8     Year in Review, 2019-20
                                                                                                                                                                          Message from the CEO   9
Year in Review 2019-20 - Bravery Trust
Our Impact                                                            Financial Assistance

            Bravery Trust helps to change lives by ensuring that veterans and their
           families do not suffer as a consequence of their service and are provided
              with immediate financial support and assistance in a time of need.
                                                                                         Food vouchers helped            157 veteran families              45 veteran families
                                                                                       feed 270 veteran families      received rental assistance         were given a hand with
                                                                                                                      – keeping a roof over their         relocation expenses –
                                                                                                                                 head                   connecting them with their
                                                                                                                                                            support networks
      Since we started in 2012, we have helped:

                          4,924                                    $5.53                           Financial Counselling
                          veterans                                 million
                                                                                                   In 2020, we started a trial and piloted a veteran specific service

                          & their families
                                                     of urgent financial support

                                                                                           Helped 40 veterans with financial            Saved $18,000 for veterans in waived and
                                                                                              counselling and budgeting                              reduced bills

            A summary of Bravery Trust’s impact
                  figures for this year:
                                                                                                                    Education
                          664                                     $1.12
                          veterans                                million
                          & their families
                                                     of urgent financial support
                                                                                         106 children of veterans were assisted         24 veterans received financial assistance
                                                                                        with education costs including primary,        for higher education certificates, vocational
                                                                                       secondary and tertiary education; camps;            training, licencing, and resources to
                                                                                        and home learning materials during the                   prepare for job readiness
                                                                                                       pandemic

     Bravery Trust
10   Year in Review, 2019-20
                                                                                                                                                                         Our Impact    11
Year in Review 2019-20 - Bravery Trust
Who is a Veteran?                                                                                   Veterans and their
                                                                                                                       Families in Emergencies
        Veterans are ADF members and former members. Essentially a veteran is serving in the
       Australian Defence Force, one who has served - whether or not they’ve been involved in
       conflict, and reservists. A veteran might be a work colleague, a friend, a family member.
                                                                                                                               & Crises
     70%          of those we assist are
     under the age of 50.
                                                  Gender:                      Age Group:
                                                                                       61%                  74%
                                                                                                                      Our team provides a tailored solution for
                                                                                                                      each family seeking assistance and we
                                                                                                                                                                      Overall, we:

                                                                                               30%                                                                    | Assisted 664 veterans and their families
                                                                                                                      provide a range of financial support and
                                                                               9%

     18%
                                                  Male         Female                                                 assistance.                                     | Provided $1.12 million of urgent financial
                                                  82% 18%
                                                                               20-30   30-50   50+          have
                                                                                                           children                                                     support, which was 10% lower than the
                    are female, which is                                                                              Financial circumstances can be complex,
                                                                                                                                                                        previous year. We believe that federal
     a very similar number to serving                                                                                 especially for those who have limited
     women in the Defence Force.                  Service Type by Percentage:                                         earning capacity due to an illness or injury.
                                                                                                                                                                        and state government pandemic support
                                                                                                                                                                        contributed positively towards the
                                                                                                                      It can be difficult to be financially             financial security of veterans and their
     Every year approximately
                                                          20%                    69%                       11%        sustainable on a limited income, such as          families. From April onwards this was

     6,000
                                                  Navy                   Army                  Air Force
                                                                                                                      a pension, especially when life presents          evident from the reduced requirement to
                                                                      For Comparison:                                 surprises, such as illness, a car breaking        provide financial assistance, as is shown
                             members                The total ADF workforce (including reserve members):
     transition out of the Defence Force.                                                                             down, an unexpected large heating bill, or        on the graph on page 14
                                                         Navy                  Army               Air Force
     Most transition well and have success-                                                                           ill children.
                                                   17,547 (21%)          48,249 (56%)          19,745 (23%)                                                           | Paid 1,500 individual bills
     ful and varied post-service careers.                                                                             By providing financial support, it means
                                                  The total ADF workforce was 85,541, as at 30 June 2019

                 10%
                                                                                                                      that the family can focus
                                                                                                                      on their wellness journey,
     Around                of transitions         Injuries or Illnesses as a                                          employment and their
     are due to medical reasons,                  Result of Service:                                                  family, without financial
     meaning that the choice to move                                                                                  pressures.
                                                              Physical            Mental              Mental &
     on from the Defence Force is often                       Injuries            Health              Physical
     sudden and regrettable (for both                         15%                 25%                 60%             Bravery Trust works with the
                                                                                                                      family to ensure that they
     Defence and the member).
                                                  78% of those we assist are located on the eastern seaboard.         are receiving appropriate

     85%
                                                                                                                      and targeted support
                                                                                                                      from all sources, including
                    of those who                  Beneficiaries by State:                                             government assistance.
     reach out to us for support are                     QLD             NSW           VIC           WA

     experiencing mental health                          264             155           78            66               66% of veterans who
     concerns, although these are often                                                                               we assisted during the
                                                         SA              TAS           NT            ACT
                                                                                                                      pandemic were also put
     combined with financial challenges.                 63              15            13            9
                                                                                                                      in contact with available
     This is a                                    Bravery Trust assists ADF current and former members,               government funding.

     10% increase
     from last year.
                                                  both nationally and internationally. Our largest requests for
                                                  assistance come from Queensland. This is unsurprising as
                                                  Queensland is home to the largest veteran population, with
                                                                                                                                                                          Nev is an Australian veteran and
                                                                                                                                                                      Bravery Trust beneficiary who we
                                                  Townsville being Australia’s biggest garrison city.                                                                 helped to reconnect with his children.

       Bravery Trust
12     Year in Review, 2019-20
                                                                                                                                                                         Veterans and Their Families in Emergencies & Crises   13
Year in Review 2019-20 - Bravery Trust
Beneficiary Payments                                                                                                                             Rent & Bond
                                                                                                                                            Rent and bond continues to be our largest area of assistance – helping 157 veterans and
     Payments by Category                                                                       Years of                                    their families keep a roof over their head. Some examples of assistance include:

     FY2019/20                                                                                  Service                                     | 1 2 families required           | 1 1 due to family violence    | 8
                                                                                                                                                                                                                   veterans whilst they
                                                                                                                                              assistance due to sudden                                            were waiting for incapacity
                   Rent/Bond            24.2%                             270,284                 1-2                                                                          | 2
                                                                                                                                                                                  0 homeless veterans
                                                                                                                                              loss of employment                                                  payments from Department
      Motor Vehicle Expenses            21.2%                           237,786                   3-4                                                                            who we were able to
                                                                                                 5-6                                                                                                              of Veterans’ Affairs
                         Utility         9.2%              102,530                                                                          | 1 0 veterans fell in arrears     assist with safe long-term
                                                                                                  7-8                                                                                                             (DVA). This is a significant
      Education & Programs               7.5%             83,453                                9-10                                           whilst they focussed              accommodation
                                                                                                                                                                                                                  reduction from past years
                    Removals             6.7%            75,242                                 11-12                                          on their mental health,
                                                                                               13-14                                                                           | 2
                                                                                                                                                                                  3 veterans with cash           and DVA’s introduction
                         Other          4.4%           48,849                                                                                  including being in hospital
                                                                                               15-16                                                                             flow difficulties and            of interim payments has
      Furniture & Appliances            4.4%           48,731                                  17-18                                        | 14
                                                                                                                                               due to a breakdown of           mounting debt                    improved the financial
        Phone / Internet Bills           4.2%          47,456                                 19-20
                                                                                                                                              their relationship                                                  security of many veterans
                Food Voucher            4.0%           44,657                                 21-22
                                                                                              23-24
     Household Maintenance               3.4%         38,287
                                                                                              25-26
                        Health           3.3%         36,865                                  27-28
                 Council Rate            2.9%         32,102                                  29-30

                                                                                                                                                               Motor Vehicles
          Emergency Accom.               1.8%        19,652                                   31-32
                                                                                              33-35
                 Fuel Voucher            1.2%       13,300
                                                                                              36-42
           Funeral Expenses              1.0%      10,793                                               0   10 20 30 40 50 60 70
       Interest on Mortgage             0.5%       5,262
                                                                                                                                            Assistance with motor vehicle expenses increased from 11.6%
     Travel (Flights, Taxi, etc)         0.3%      3,540
                                                                                                                                            of our annual payments, placing it as the second largest               Beneficiaries
                                                                                                                                            expenditure. The vehicles that needed repairs were usually the
                                                                                                                                            family’s sole mode of transport; necessary for school, work and
                                                                                                                                                                                                                   impacted
                                                                                                                                            medical appointments; were in urgent need of general servicing         by natural
     Payments Year-on-Year                                                                                                                  and roadworthy compliance                                              disasters and
     FY2018/19/20
                                                                                    FY2018              FY2019             FY2020
                                                                                                                                                                                                                   pandemic
     $200K
                                                                                                                                                                                                                   | Bushfires:

                                                                                                                                                               Relocation                                            52 veterans
      $175K

     $150K
                                                                                                                                                                                                                   | Floods:
      $125K
                                                                                                                                                                                                                     28 veterans
     $100K
                                                                                                                                            Relocation - 45 veteran families were helped with
                                                                                                                                                                                                                   | P
                                                                                                                                                                                                                      andemic:
      $75K                                                                                                                                  relocation expenses:
                                                                                                                                                                                                                     37 veterans directly
      $50K
                                                                                                                                                                                                                     impacted, financially
      $25K
                                                                                                                                            | 2
                                                                                                                                               0 to be closer to family       | 7
                                                                                                                                                                                  leaving urgently due to
                                                                                                                                              and support networks,              domestic violence
        $0
                                                                                                                                              especially to assist with
              Jul      Aug        Sep        Oct        Nov       Dec        Jan        Feb       Mar          Apr      May           Jun                                      | 1 to secure more affordable
                                                                                                                                              their wellness journey
                                                                                                                                                                                  & financially sustainable
     Beneficiary payments fluctuate from month to month. This can be due to seasonal changes, such as higher winter bills;
     specific events, such as post-Christmas bills; or other environmental factors, such as bushfires and floods. Identifying these         | 10
                                                                                                                                               change of life                   accommodation
     trends over three years helps us plan for when additional assistance may be required.                                                    circumstances, including
                                                                                                                                                                               | 7
                                                                                                                                                                                  required to relocate due
                                                                                                                                              relationship breakdown
        Bravery Trust                                                                                                                                                            to eviction notices
14      Year in Review, 2019-20
                                                                                                                                                                                                                              Our Beneficiaries   15
Year in Review 2019-20 - Bravery Trust
Healthy Finances                                                                   A Lifetime of Learning
     Veteran Financial Counselling                  How it works                                                                    Anzac Centenary Fund
     In February 2020 Bravery Trust, with the       Individuals can contact Bravery Trust                         Through our Anzac Centenary Fund, we can assist veterans and their
     support of the ADF, and in partnership         directly, or through their advocate, support                   families with funding for education opportunities including career
     with the ADF Financial Services Consumer       worker or other supporting Ex-Service                      development for former serving members and their spouses; and schooling
     Centre, commenced a trial for the provision    Organisation, Defence or Department of                                  costs for dependent children under 25 years old.
     of tailored and integrated veteran financial   Veterans’ Affairs.
     counselling to address the needs of serving
                                                    We will have a confidential discussion with
     and ex-serving members of the ADF across
                                                    the veteran about their financial situation,
     Australia.

     What we are doing
                                                    including possible short term and long-
                                                    term support mechanisms. For example,                           10
                                                                                                                    Veterans
                                                                                                                                                  14
                                                                                                                                                  Veterans
                                                                                                                                                                                 106
                                                                                                                                                                                 Children of
                                                    there may be an urgency in paying rental
     Financial Counselling, financial support                                                                                                                                    Veterans
                                                    arears, to avoid eviction, with the long-
     and financial literacy are all available in    term solution of negotiating a rental
     the one place and our team will work with      reduction, putting in place a budget and
     the individual to find a solution that suits   looking at other debts to see if hardship         Received financial            Received financial              Received financial
     them. This may include:                        plans can be arranged.                             assistance for higher         assistance to help              assistance with school
                                                                                                       education or vocational       them prepare for                fees; including school
     | C
        risis support payments to alleviate        Financial counselling is not only about            training.                     employment, such as             uniforms, camps &
       immediate financial pressure                 solving a financial situation – it is often                                      industry or professional        excursions and access to
                                                    about taking into account what is                                                licence registration fees,      necessary learning tools
     | C
        onfidential discussions regarding
                                                    happening in the veteran’s life – be that                                        vital equipment (e.g.           such as books, technology
       finances
                                                    a change in family dynamics, mental                                              stethoscope for a nurse)        and stationery.
     | D
        eveloping money management plans           health, financial stress, homelessness,                                          or tools to connect (such
                                                    illness, domestic violence or disability – and                                   as internet access and
     | H
        elping to break the debt cycle with        working within their capabilities at that time.                                  laptops)
       tips, tools and advocacy

     | A
        ssisting with
       repayment plans

     | N
        egotiating with
       creditors for a
       better outcome                               Helped 40 veterans with
     | F
        inancial literacy                          financial counselling
       guidance
                                                    and budgeting
                                                                                                                                                                          A veteran’s son
                                                                                                                                                                          who has autism,
                                                    Saved $18,000 in waived                                                                                          received an iPad from
                                                    and reduced bills                                                                                                Bravery Trust to assist
                                                                                                                                                                     in his learning therapy.

       Bravery Trust
16     Year in Review, 2019-20
                                                                                                                                                                             A Lifetime of Learning   17
Year in Review 2019-20 - Bravery Trust
Looking Forward                                                                       Q & A with incoming
                                                                                                               Chairman, Garth
     At the heart of Bravery Trust’s 2020 strategy, is our focus on supporting our injured veterans
     and their families who need assistance in their time of need. Over the next 12 months we will
                 continue to evolve and focus on the following key strategic priorities:
                                                                                                                   Callender
     Priority 1: Financial Support                     directly and securely. This new system will
                                                       help us to provide a more comprehensive         Bravery Trust is delighted to welcome our passionate Ambassador Garth Callender, MBA,
     Ensure ongoing and tailored support               understanding of the need and impact of                        GAICD, as incoming Chairman, commencing 1 October 2020.
     for serving members, veterans and                 the financial support landscape through                         We thought you might like to know a bit more about Garth:
     their families, including any additional          enhanced data analysis.
     challenges that may arise throughout
     the pandemic. We will look at ways to             We will also be testing our cyber
                                                       security with an annual cyber audit,           | Y
                                                                                                         ou have an extensive military service       and survived. Who better understood the
     expand our existing services to include
                                                       demonstrating that we are serious about          background, including in combat,              environment my 110-person combat team
     assisting those who are at risk of financial
                                                       protecting not only our data, but our            intelligence, training and strategic          was going into; who better understood the
     hardship, including early intervention and
                                                       beneficiaries’ information.                      roles for more than 20 years, what does       risks; who else had intimate experience
     preventative measures, such as education
                                                                                                        “service” mean to you?                        with the weapons being used against us;
     and assistance, before the crisis occurs.
                                                       Priority 4: Community Engagement                                                               and who best understood what we needed
                                                                                                      The concept of ‘service’ is what leads          to know to survive and thrive in Baghdad?
     Priority 2: Financial Counselling                 Building strong social connections both in     many of us into the military, and it is often
     Expand our veteran-specific financial             the veteran community and in the public.       what we seek in our careers afterwards.         | E
                                                                                                                                                         very transition is unique, what advice
     counselling trial as the demand for               This will include a public engagement          It is about playing a part that’s bigger          would you give those going through
     the service increases. This trial will be         project celebrating the uniqueness of          than your individual self. I believe it is an     their own transition?
     independently evaluated, with a Theory of         transition and a virtual Veterans’ Health      innate drive in us to make the world better
     Change (TOC). This type of methodology            Week event, highlighting the importance of     in whatever way we can, big or small.           Prepare, plan and get help with your
     is used for planning, participation, and          wellness and social connectivity.              It is one of the reasons I am so excited        transition – do not leave your career to
     evaluation to promote social change and                                                          about taking up this new position – I can       chance. Gain an understanding of the
     developed to assist us in measuring success.                                                     continue to serve.                              industry you want to work in and try to
                                                                                                                                                      envisage where you see yourself in five
     Priority 3: Technology                                                                           | A
                                                                                                         fter being badly injured in Baghdad,        years. Get upskilled and educated if
                                                                                                        and your mother making the Chief of           needed, and use the resources available
     Implement new technology including
                                                                                                        the Army promise that you would not           as part of your transition.
     the rollout of our new customer service
     manager software, making it easier                                                                 go back into combat, what drove you to        Most importantly, network! Reach out
     for veterans as it will keep all relevant                                                          defy your mum’s orders?                       to people you know who have already
     information in one place. For example,                                                           Occasionally in your life you come to           transitioned. Ask for help and talk to
     allowing veterans to upload their                                                                the realisation that, regardless of your        them about their experiences and ask for
     application and supporting documents                                                             personal circumstances, there is a time         introductions to others who may assist you
                                                                                                      and place to put your hand up. When             in your journey. As veterans, we are on our
                                                                                                      questioned as to why I volunteered to           way to having the strongest alumni in the
                                                                                                      return, my answer was always – I was the        country – use it to find your career path
                                                                                                      right person for the job. I had been to the     and then become part of it to assist others
                                                                                                      war-torn city before, seen it at its worst,     do the same.

       Bravery Trust
18     Year in Review, 2019-20
                                                                                                                                                                                   Current Chapter   19
A Brave Story
     | Y
        ou have held numerous leadership              are a constant in our lives. I find the ocean
       roles, including establishing the NSW           grounding and therapeutic, and surfing
       Veterans Employment Program, which              challenging and exhilarating. I encourage
       throughout your time, employed over             others to find what it is in life that always
       500 veterans, what leadership qualities         makes them smile.
       are important to you?
                                                                                                                                                       our criteria to undertake further education
                                                       | W
                                                          hat advice have you received from

                                                                                                                n
     Emotional intelligence matched with

                                                                                                               o
                                                                                                                                                       opportunities. I was so happy to hear from

                                                                                                             s
                                                         Bravery Trust’s Chairman on the journey
     professional competence. To be a good
     leader you must be able to understand
     yourself and empathically influence others,
     all while having a solid understanding
                                                         you are about to embark on?

                                                       My handover with Peter Fitzpatrick has
                                                       felt like a board leadership masterclass.
                                                                                                       All i                                           Allison when she was able to secure a job
                                                                                                                                                       with a major operator in WA.”

                                                                                                                                                       Allison’s determination merely needed
     of the role you, your team and your                                                                                                               a contribution and engagement from
                                                       I have been very fortunate to have the
     stakeholders play. The great part of this is                                                                                                      Bravery Trust and she has now embarked
                                                       opportunity to learn from his wealth of
     that these are the skills and attitudes the                                                                                                       on a new career, rather than continuing to
                                                       experience. He has shown me that through        Allison, a young Navy veteran, was
     military builds and values in their leaders.                                                                                                      feel a lack of belonging.
                                                       compassion and hard-work you can have           medically discharged and lives with
                                                       an enduring effect on people’s lives. His       ongoing complexities of her time in service.
     | W
        orking with Bravery Trust for the             leadership has ensured so many veterans         Her challenges include depression, anxiety
       last few years, and as incoming                 in-need have received the support they          and adjustment disorder.
       Chairman, what are you excited about            require. The broader effects of this can
                                                                                                       When COVID-19 hit earlier
       in 2020/2021?                                   never be downplayed – he has helped                                                 “Thank you to the wonderful Bravery Trust
                                                       save lives.                                     this year, Allison was
     I am excited about being more involved                                                            forced to close her small           team, they really care about helping you.
     in the discussions around what it is to be        He continues to be a role-model to all          business that she ran from
     a veteran, and the place veterans hold in         veterans and an example to the broader          home. This left her with a          I have loved working in my new job and
     Australian society. Working to shape how          community of what a veteran can be.             tremendous sense of loss            there are some excellent opportunities here
     veterans see themselves and working with          From a military commander to a leader in        – she wanted to continue
     others to help develop solutions for those        industry and the community – he remains         to make her contribution            for me to further develop my career. I have
     who are at risk of slipping through the cracks.   a pillar of society.                            to society. Allison reached
                                                                                                                                           met some lovely people and I am excited for
                                                                                                       out to us. She was keen to
     | Y
        ou are known                                                                                  instigate a career change           what the future holds.”
       to many in                                                                                      and to retrain as a truck
       the Defence                                                                                     operator.                                                                      — Allison*
       and Veteran                                                                                                                                                *Name changed to protect identity
                                                                                                       Bravery Trust was able to
       community – what
                                                                                                       help support Allison’s vision
       is something that
                                                                                                       and paid for the various
       we may not know
                                                                                                       tickets and certificates required for Allison
       about you?
                                                                                                       to become qualified.
     I grew up in
                                                                                                       Beneficiaries Services Manager, Tracy
     suburban Sydney,
                                                                                                       Attewell says, “We were fortunate to
     about 30km from
                                                                                                       receive an Education grant from the
     the nearest beach.
                                                                                                       Department of Veteran Affairs in 2016, to
     When I met my wife,
                                                                                                       assist veterans and their families who meet
     a Gold Coast girl,
     she taught me how
     to surf. Now the
     ocean and surfing

       Bravery Trust
20     Year in Review, 2019-20
                                                                                                                                                                                      A Brave Story   21
A Brave Story                                                        Community Engagement

                                                       The counsellor has helped us develop a                               In the lead up to Anzac                                In August last

         l
     Wil mi&                                           budget and a money management plan,
                                                       assisted in discussions with our creditors
                                                       and negotiated reduced payments or
                                                       debts. I am so grateful for the assistance,
                                                                                                                            Day, we partnered
                                                                                                                            with Coles to raise
                                                                                                      money and support Aussie service men
                                                                                                                                                                                   year, Bravery
                                                                                                                                                                                   Trust, together
                                                                                                                                                         with Leidos Australia and the Australian
                                                                                                                                                         War Memorial, hosted an event to

        o
                                                                                                      and women who have an injury or illness

      a
                                                       particularly the team who worked with me,                                                         commemorate Australian Military Nursing.

     N
                                                                                                      as a result of their service. In the five-day
                                                       they acknowledged my circumstances and
                                                                                                      campaign, Coles
                                                       injuries and understood some of the issues
                                                                                                      donated 50 cents
                                                       it can bring.”
                                                                                                      from every Coles
                                                       Belinda Wilson, CEO says, “Many people         Bakery branded
     What is financial stress? Often, it starts with   don’t know or understand what a financial      cookies and biscuits
     something small, a bill that is a little more     counsellor does. Their work is different       sold to Bravery
     expensive than usual, an illness, a hike in       from financial planners or budget workers;     Trust.
     school fees or a car that breaks down. And        financial counsellors’ services are designed
     in Will and Naomi’s case, that is exactly         specifically for those who are experiencing    Over $232,000 was
     what happened.                                    difficulty with their money, rather than       raised and we would
                                                       those who are looking to build or protect      like to thank Coles
     Will is a 30-year old veteran who served                                                         and the Australian
                                                       existing wealth.
     in the RAAF for eight                                                                            community for their
     years and was medically                                                                          generous support on Anzac Day.
     discharged after suffering          “I am so grateful for the assistance, particularly
     significant injuries and
     being unable to work.               the team who worked with me, they

                                                                                                                                          Thank You
     Naomi, his wife, has been
                                         acknowledged my circumstances and injuries
     the primary carer of
     their young children and            and understood some of the issues it can bring.”
     receives no income. They
     receive a pension, but after                                                                             Thank you to our amazing staff, volunteers, our generous donors, supporters and
     a few big bills came in all at once, Will and                                                           partners, all of whom make an incredible difference to our veteran community. Our
                                                      As we have seen, people can be affected
     Naomi suddenly felt overwhelmed and                                                                   donors and corporate partners are truly part of our team and with their support we can
                                                      by a myriad of unexpected life changes
     anxious.                                                                                                 continue to help veterans and their families take steps towards financial stability.
                                                      that can attribute to their financial stress,
                                                       such as job loss, natural disaster, mental
     Will says, “The Bravery Trust team were
                                                       health, family violence or terminal illness.
     quick to respond and really listened to our
                                                       I am thrilled that Bravery Trust can now
     story. They helped to pay off a few of our
     big utility bills and two weeks’ rent. It felt
                                                       offer financial counselling, as financial      Industry Partner                                 Corporate Partners
                                                       stress is very difficult, and we want to
     like an enormous weight was immediately
                                                       ensure people get help sooner rather than
     lifted from my shoulders. Bravery Trust
                                                       later. There are usually more options if
     asked us if we’d like to meet with their
                                                       action is taken early.”
     financial counsellor, which we’ve done.

       Bravery Trust
22     Year in Review, 2019-20
                                                                                                                                                                                Community & Engagement   23
Support a Veteran
                                                       $20 provides phone recharge to
                                                       help stay connected

                                                       $75 provides fuel vouchers to help
                                                       attend medical appointments

                                                       $150 fills a fridge with fresh food
                                                       for a week

                                                       $500 pays for two months of utility
                                                       bills for a family

                                                       Support a veteran or family in need:

                                                       donate.braverytrust.org.au

1800 BRAVERY
(1800 272 837)

braverytrust.org.au
Melbourne office:              Sydney office:            Follow us on:
Level 18, 1 Nicholson St,    PO Box 20, Camden,
East Melbourne VIC 3002        NSW 2570                        instagram.com/bravery.trust

Bravery Trust is the Registered Business Name of The           facebook.com/BraveryTrust
Australian Defence Force Assistance Trust.

ACN 162 078 168 | ABN: 13 735 747 821
                                                               linkedin.com/company/2822369
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