b'Our fees and chargesThe costs you pay for advice will be determined by the type of wealth management service you receive.Focused Wealth ManagementThis service entails a thorough fact find of your needs, but focuses on a single area of your situation, such as protection or pension advice.For both types of service, a first meeting will always be offered at our own expense to determine the best way forward.Once a complete understanding of your needs is gained, your financial planner will be able to explain the service that will be offered and the associated costs. Lifestyle Wealth ManagementThis is a comprehensive service which seeks to identify, define and achieve your ideal lifestyle, with total financial independence, no matter what happens to you.Some people need to build wealth to achieve that aim and others already have the income and/or assets required but need help to maximise those assets and ensure that wealth is protected from unnecessary taxation, both now and in the future, and preserved for their family.To deliver an effective strategy, a detailed study of your situation is required, accompanied by a cash flow analysis, which looks at multiple scenarios and brings your plan to life.'