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 Limited & Quilter Mortgage Planning Limited (17/01/2024).
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:
-
-
Wealth Management;
-
Retirement Planning;
-
Mortgages;
-
Annuities;
-
Personal Protection & Business Protection;
-
Private Medical Insurance;
-
Group Personal Pension Schemes.
-
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:
-
Short-term or long-term illness;
-
An accident;
-
A serious illness;
-
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:
-
A specific goal;
-
A rainy day fund;
-
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:
-
First time buyers;
-
Re-mortgages;
-
New homes;
-
Buy to let;
-
Capital raising for home improvements;
-
Second homes;
-
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:
-
Get ready for Retirement;
-
Understand how to best maximise your tax allowance;
-
Navigate the choices.
Where do you plan on going on holidays when you reach retirement, and can your pension pot support those goals? This article takes a look at what destinations could be on the cards for different amounts of pension savings.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Norfolk or Norway? Holidays you can afford with different-sized pension pots
sprou.tt
Many people look forward to taking more holidays when they retire. But what sort of trips could your pension buy you? We look at the holidays to match different retirement incomesComment on Facebook
Know someone heading off to university this September? Make sure they know the ins and outs of their student loans. This article explain what they cover, when repayments start and what interest rate is paid on them.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What are student loans and when do you start repaying them after university?
sprou.tt
Got your results? Here’s what you need to know about tuition fees, maintenance loans, and when you’ll start paying it all backComment on Facebook
Just graduated from university? Make sure you stay on top of your finances, this article lists a few things to be aware of as you enter post-uni life.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Just graduated? How to pass the test on your finances with honours
sprou.tt
From checking overdraft terms with your bank, to wrapping up household bills … and don’t forget the discount schemesComment on Facebook
The next deadline for parents to renew or apply for their childcare code is coming up at the end of the month. Learn more about what this is and who is eligible in this article.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Thousands of parents must claim free childcare code before key deadline
sprou.tt
PARENTS should be aware of fast-approaching deadline to apply for free child care support. If you want to keep or start receiving up to 30 hours of free childcare a week for children aged nine mont…Comment on Facebook
Find out what is happening with house sales this summer in this article from Which? Money. The stamp duty threshold change that happened in April had some impact on sales in the following months.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Is summer the best time to sell your home? - Which?
sprou.tt
Find out what estate agents are seeing and how sellers can stand outComment on Facebook
Protecting yourself and your loved ones from financial strain during a health crisis is crucial. Critical illness insurance is designed to provide funds if you are unable to earn an income because you have a serious illness or medical condition. Have a read of this important article from Forbes to find out how critical illness cover can provide peace of mind.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Critical Illness Insurance: All You Need To Know
sprou.tt
Critical illness insurance is designed to provide funds if you are unable to earn an income because you have a serious illness or medical condition. HerComment on Facebook
Are you a homeowner or looking to invest in property? According to a report, between 1980 and 2016, the value of the average property rose 6.7% per year. That far outpaced inflation, which made owning a home a comfortable investment and helped people take care of their future. But since 2016, this rate has slowed to 3.7%, meaning the price of a home has barely kept pace with inflation. Learn more about the potential benefits and risks of home ownership in this informative piece from Shares Magazine.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Is home ownership still a good investment?
sprou.tt
The past few years have not been a great time to be a homeowner. For those who needed to remortgage, rates soared, while at the same time property prices began to stagnate, leaving homeowners in a...Comment on Facebook
It's finally holiday season! Whilst for many of us it is smooth sailing, all are not so lucky and luggage does go missing at times. This article teaches you what do do should you be one of the unlucky ones arriving to your destination to find your luggage has not.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Lost luggage, every traveller’s worst nightmare
sprou.tt
It’s a traveller’s worst nightmare so try to reduce the chances of it happening at all … and, if it does, how (hopefully) you can retrieve itComment on Facebook
Are you aware of how inheritance tax could impact your loved ones? Chancellor Rachel Reeves launched an inheritance tax raid on savers in the Autumn Budget by making pensions liable for the levy from April 2027. She also announced the main thresholds would be frozen until April 2030. Find out more about the calculation process in this informative article from the Daily Mail and take a look at how inheritance tax works, so you can work out if your family will have to pay it.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How inheritance tax works - and what families MUST know
sprou.tt
The 40% inheritance tax rate is drastically high - but only applies if you have amassed enough assets for your loved ones to become liable on some chunk of them.Comment on Facebook