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:
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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.
As you prepare for retirement, it's important to consider the different stages you'll go through. We all dream of a comfortable retirement. But what does ‘comfortable’ mean to you and what will it cost? It can be a good idea to work that out. After that, you’ll be able to calculate how much you’ll need to fund it. In this article from the Guardian, learn more about how to retire comfortably during the three stages of retirement - pre-retirement, entering retirement
and the retired stage.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Retiring ‘comfortably’: how to plan for the three stages of retirement
sprou.tt
Whether you’re still in the workforce or already retired, here’s what you need to know about superannuation planningComment on Facebook
Curious about the future of tax-free savings accounts? The biggest shake-up to ISAs since they were launched in 1999 is on the horizon. Rachel Reeves is set to launch a review of the ISA market within weeks. In this article Rachael Griffin, tax and financial planning expert at wealth manager Quilter, gives her views on this topic. Find out what five experts have to say in this insightful article from the Daily Mail.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
'Big shake up' to Isas on the horizon - five experts on changes
sprou.tt
The Treasury is set to launch a consultation into how Isas can be reformed. It will likely lead to the biggest shake-up of Isas in 26 years.Comment on Facebook
Thinking about overpaying your mortgage? While the Bank of England has cut interest rates several times in 2024 and 2025, average two-year and five-year fixed mortgage deals are still above 5%, according to Moneyfacts. For more information, read this article from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Should you overpay your mortgage?
sprou.tt
If you have spare cash left over at the end of the month, should you overpay your mortgage, or would savings or your pension be a better home for your money?Comment on Facebook
Planning your next vacation? Are you making this common travel mistake? Find out how millions of people are unknowingly overspending on their trips, read this article from the Mirror.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Travel mistake millions of people make every year - it could cost you a fortune
sprou.tt
Consumer rights expert Martyn James explains everything you need to know about travel insurance and why millions of people are putting themselves at risk if something goes wrongComment on Facebook
Ready to turn your pension pot into a reliable source of retirement income? There’s a stark difference between the retirement income pension savers want and the amount they are set to have saved. According to a new study an average saver wants more than £30,000 a year to live on in retirement, but their pension pot will only give them that income for just over a decade before they run out of money. Discover expert advice and strategies to make the most of your retirement savings in this feature from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Pension savers face running out of money just 11 years into retirement
sprou.tt
There’s a stark difference between the retirement income pension savers want and the amount they are set to have savedComment on Facebook
Want to make your home more efficient and cost-effective? It’s important to save money whenever you can in life and having a financial buffer is important, but so is enjoying life! That’s why, sometimes, it is worth spending a little bit more to get a gadget that makes your life easier or more enjoyable in some way. And it’s even better when those gadgets can save you cash in the long-term! In this article from The Mirror, find out which household gadgets are worth investing in for savings down the line.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
All the household gadgets that actually do save you money
sprou.tt
MoneyMagpie Editor and financial expert Vicky Parry reveals the best household gadgets that are worth investing in to save more money in the long-termComment on Facebook
It’s a sad statistic that 127 children are bereaved of a parent every day in the UK. While it can't replace you, having the right protection in place means that your family won't have to make financial cutbacks to their daily routine. Discover how Family Income Benefit insurance can provide financial security for your loved ones in the event of the unexpected. Learn more about this valuable coverage option.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Family income benefit
sprou.tt
What is family income benefit and is it the right policy for your needs? Read this complete guide by Confused.com.Comment on Facebook
Whether you're a stay at home mum or dad, or you're the family breadwinner, it's essential to have the right financial protection in place for your family. The unpaid work of a stay-at-home parent is often something that's overlooked, but the cost of these daily chores could add up if you were no longer around. Have a read of this eye opening feature to find out why life insurance is just as important for stay-at-home parents and what options are available.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Life insurance for stay-at-home parents
sprou.tt
A guild to life insurance for stay-at-home parents by Confused.com. Find out about your options.Comment on Facebook
Are you unsure about the best way to invest your money? Investing your full ISA allowance at the start of the tax year gives it longer to grow, but drip-feeding your money reduces short-term risks. Which approach is best? This article from MoneyWeek provides valuable information on whether it's better to invest a lump sum or spread out your investments over time.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Should you invest a lump sum or drip your money in over time?
sprou.tt
Investing your full ISA allowance at the start of the tax year gives it longer to grow, but drip-feeding your money reduces short-term risks. Which approach is best?Comment on Facebook