Contact : 01252 325306
Entropy Financial
Our approach to financial planning
The pessimist sees difficulty in every Opportunity. The optimist sees the opportunity in every difficulty. We take a glass half full approach. Having touched upon the importance of forward planning and ongoing reviews I can confirm that we have guided numerous clients over many years on their individual journeys and through ever changing circumstances.
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Entropy Financial provides expert mortgage, protection, insurance, pension & investments advice. Entropy Financial is a trading name of Michael Skeel and Entropy Financial is the name under which we carry out these services.
Entropy Financial is not a business in it’s own right, it is part of Michael Skeel, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited.
Let’s Talk
Ready to invest or review your existing pensions?
Curious about your retirement outlook?
Need insurance or wish to purchase a property?
Get in touch with us, to find out more on how we can help with your financial needs.
131 High St, Aldershot GU11 1TT, UK
Contact : 01252 325306
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The internet is not a secure medium and the privacy of your data cannot be guaranteed.
Your details will only be used to answer your query and they will not be
stored for marketing purposes.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP
UP REPAYMENTS ON YOUR MORTGAGE.
The value of investments and any income from them can fall as well
as rise and you may not get back the original amount invested.
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HM Revenue and Customs practice and the law relating to
taxation are complex and subject to individual
circumstances and changes which cannot be foreseen.
Areas of Expertise
Learn More About our Services
At Entropy Financial we provide holistic financial advice tailored to each client’s specific needs and circumstances.
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Through our expertise, experience and professionalism, we are dedicated to building long term relationships with our clients. This is done with the aim of enabling us to develop and implement plans, that will provide them with both confidence and control in relation their financial future.
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We work with clients from all walks of life, who have a variety of financial planning needs.
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Our team can advise on the following areas:
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Savings and investments
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Pensions and retirement planning
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Tax efficient investment vehicles
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Inheritance tax planning
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Mortgages and protection policies
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Pensions & Investments
This area is crucial to building up wealth, achieving objectives and targeting the associated critical mass. Often there is a fine balance between saving for the future, and still being able to enjoy one’s present day lifestyle. we have helped many clients plan for a secure retirement without compromising life in the present.
The area of wealth planning encompasses accumulation (building funds) and latterly decumulation (measured use of the funds that have been thus built up). This covers such subjects as tax efficiency within the constraints of legislation, tax mitigation, generating capital to meet specific objectives and to provide income. With all the changes that government via legislative change have thrown at us all, this can be challenging and confusing. I firmly believe that all areas of financial planning require a full understanding of a clients situation, needs and objectives. But its doesn’t stop there. Once a plan has been embarked upon it is vital that it is regularly reviewed in order to keep up with changing circumstances both internal and external and adapt if necessary to the change. It is quite simple really; nature favors chaos and disorder, therefore energy needs to be put into the system to keep things on track - and that is where Entropy Financial comes in!
Protection
This is a much overlooked area of financial planning, ignored by some, but can have such catastrophic consequences if not incorporated to some extent. It seems that to divert money to something that only has a value to someone else if an unlikely event occurs is counterproductive. Sometimes it is not a bad idea to look down and see what sort of safety net is present in the event of death, critical illness, loss of income, all of which could seriously derail one’s plans and objectives both personal and corporate. As you may have gathered within this narrative we are not afraid to sympathetically address difficult subject areas.
Mortgage Lending
This is the backbone of achieving the objective of owning one’s own home. whilst we all want the pleasure of ownership we don’t like having the ongoing commitment of long term monthly repayments. We are very mindful of this fact and will work with you to ensure that not only the competitive interest rates are utilized but that the repayment profile adopted is appropriate to your circumstances and is reviewed regularly when there are changes in these circumstances or in the market. We will also be there there to guide you when an advantageous rate you may have had comes to an end.
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