Ergon Financial Consultants help you make sense of your financial future.
Your home may be repossessed if you do not keep up repayments on your mortgage, call us today.
The value of pensions and investments can fall as well as rise, you may get back less than you invested, call us today.
Approver Quilter Financial Services Ltd 06/01/2026.
Financial planning is about more than just good advice or investment returns. It’s about providing guidance that you can trust.
Financial Review
The value of pensions and investments can fall as well as rise, you may get back less than you invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Do you have a shoebox full of financial paperwork? Sometimes life is just too busy to take control and sort our financial affairs out, we can help you with that.
We offer a full financial review service in the following areas:
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Wealth Management;
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Retirement Planning;
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Mortgages;
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Annuities;
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Personal Protection & Business Protection;
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Private Medical Insurance;
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Group Personal Pension Schemes.
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Protection
You might be more familiar with insuring your home but do we think enough about insuring our greatest asset, ourselves?
Events in our life time which could affect your level of earnings and your ability to pay your bills include:
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Short-term or long-term illness;
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An accident;
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A serious illness;
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Death.
We will review any plans you have in place to determine if they are sufficient to meet your needs.
Savings/Investments
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Maybe you are investing for:
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A specific goal;
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A rainy day fund;
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Maintaining a good standard of living.
Our approach to investment and savings advice is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money. These are some of the most important parts of obtaining the correct investment for you.
With our expert advice we will ensure that the solutions presented are right for you. So whatever your goals are to save for a wedding, university fees or for a rainy day we will help you make an informed decision.
Mortgages
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy to let mortgages.
Purchasing a property is likely to be one of the largest financial decisions you will make.  In today’s climate, therefore, it makes sense to get financial advice to find you the most suitable mortgage product to fit your personal circumstances.  We can offer advice on most types of mortgages including:
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First time buyers;
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Re-mortgages;
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New homes;
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Buy to let;
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Capital raising for home improvements;
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Second homes;
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Right to buy from local authority.
Pensions
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Our approach to retirement planning is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money and your future.
We will help you:
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Get ready for Retirement;
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Understand how to best maximise your tax allowance;
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Navigate the choices.
Concerned about how inflation and global events could affect your finances? The war in Iran is going to have a significant impact on family finances. How severe, and how long lived, is hard to tell. A fresh dose of inflation seems likely, but experts say there are at least some things you can do to mitigate the worst. From pensions and mortgages to energy bills, here’s what to do now. Have a read of this helpful article from Which?
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How to look after your money during the Iran war: Energy bills, savings and pensions
sprou.tt
From pensions to mortgages to energy bills, here’s what to do nowComment on Facebook
Spring is in the air and so are the best deals for over 60s - from discounted days out to savings on Easter treats! Turning 60 opens the door to a range of perks and benefits that can help you manage the cost of retirement.
Here, Which? rounds up the discounts and deals available to over-60s this spring.
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Best spring deals for over-60s - Which?
sprou.tt
From discounted days out to savings on Easter treats, here are the best deals and perks for people aged over 60Comment on Facebook
As university offers are being made it's a good time for future students to understand how the student loan system works. This article takes a closer look.
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How student loans work and when you need to repay them
sprou.tt
Graduates are growing increasingly frustrated about high levels of debtComment on Facebook
Did you know that the state pension is taxable? Research shows that 41% of adults don't. Find out more on how the state pension is taxed and who needs to pay it in this article from Which? Money.
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Do you have to pay tax on the state pension? - Which?
sprou.tt
We explain how it works and four ways to avoid an unexpected billComment on Facebook
Wondering how your exact birth date could affect your state pension? The state pension age changes starting in April will affect almost everyone who has not turned 66 yet. But, people born on specific dates may have completely different state pension ages compared to those born just a few days later as ministers continue to debate the impact and savings of the change. Check out this article from The Mirror to learn more.
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Exact birth dates affected by state pension age change
sprou.tt
The state pension age will be increasing to 67 over the next two yearsComment on Facebook
Economic impacts of the war in Iran are expected to lead the Bank of England to hold interest rates. Before the conflict began, analysts had predicted a cut in the Bank rate, but upheaval in the markets and a higher oil price have all but ruled this out. Have a read of this article from BBC News for more insights.
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Bank ready to raise interest rates if Iran war price 'shock' persists
sprou.tt
Policymakers vote unanimously to hold rates at 3.75% after the Iran war prompts a reversal in the debate over borrowing costs.Comment on Facebook
If you're looking to put your home on the market, here are seven mistakes to avoid when selling. From overlooking seasonal trends to cooking fish pie ahead of a viewing.
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7 common mistakes when selling your home - Which?
sprou.tt
An unrealistic asking price, empty rooms and ignoring paperwork can all impact a saleComment on Facebook
Why is it that mortgage rates have kept going up when the base rate has been kept the same? This article takes a closer look and explains the workings behind it.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Why are mortgage rates going up when the Bank of England base rate hasn’t changed?
sprou.tt
To understand this you need to know about swap rates and the impact of the war in IranComment on Facebook
Have you thought about who will inherit your pension? Planning for the future is important, especially when it comes to your pension. Discover the importance of naming beneficiaries and how it can impact your financial legacy. Read this article from MoneyWeek.
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What happens to your pension when you die
sprou.tt
The way your pension is passed on to your loved ones is set for a shake-up. Here is what you need to know about who inherits your pension and why naming a beneficiary is so important.Comment on Facebook