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.
Rachel Reeves is preparing to set out the Government’s next major test of fiscal policy with this week’s spending review, which will shape the direction of public services under Labour. Read the full article in the I here.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
8 things we've learned from the spending review - and what they mean for you
sprou.tt
Some departments won big today, but others are likely to be unhappy with the funding they gotComment on Facebook
The summer holidays can be a “perfect time” for parents to teach children about budgeting and spending, finance experts have said. Introducing children and young people to good money habits from a young age can help to build financial confidence and set them up for life, they added. Read the full article here.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Finance experts suggest ways to teach children good money habits over the summer
sprou.tt
The skills and knowledge gained will carry children into adulthood, experts said.Comment on Facebook
Are you wondering how much you need to retire comfortably? Knowing how long your retirement pot will last and what kind of lifestyle you will realistically be able to have is essential for anyone planning to step back from work. For more information, check out this insightful article from The Times Money Mentor.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How much do I need to retire?
sprou.tt
Free to read. How much money do you need for your retirement, what costs will you have to pay, and other considerations for an annual income in later life.Comment on Facebook
Do you know how much you should have in emergency savings? Many of us are unsure about the right amount to keep aside for unexpected expenses. Whether it's a broken boiler or a car repair, having a solid emergency fund can save the day. Find out the recommended amounts and tips to protect your finances by reading this insightful article from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How much should I have in emergency savings?
sprou.tt
One in ten have no savings at all, while over a fifth have less than £1,000, leaving them vulnerable to unexpected events. How much should you have in emergency savings?Comment on Facebook
Are you prepared for an HMRC inheritance tax investigation? Enquiries into inheritance tax owed have jumped by over a third in just one year, but there has been a decrease in the proportion of investigations leading to higher bills. For more information, read this informative article from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
HMRC opens 1,000 more inheritance tax probes – what to do if it happens to you
sprou.tt
Enquiries into inheritance tax owed have jumped by over a third in just one year, but there has been in a decrease in the proportion of investigations leading to higher billsComment on Facebook
Are you looking to buy your first house? New figures show that the average mortgage term for first-time buyers has increased to 31 years over the past decade. Find out why, and how rising house prices and higher mortgage rates are impacting affordability, in this article from the BBC.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Mortgages: First-time buyers typically borrowing for 31 years
sprou.tt
Mortgage lengths have stayed above 30 years despite some falls in interest rates.Comment on Facebook
Your loved ones could find themselves paying an effective tax rate of 67% when major changes to inheritance tax on pensions take effect in April 2027. This article from Money Week looks at how these changes could impact your estate planning and what steps you can take to protect your wealth.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What is the 67% inheritance tax trap on pensions – and can you avoid it?
sprou.tt
Your loved ones could find themselves paying an effective tax rate of 67% once pensions are brought into the inheritance tax net from April 2027. The concern has sparked an increase in wealth transfer...Comment on Facebook
Relaxed mortgage rules will boost first-time buyers but send house prices up, says a report by Savills. Read the article in today's Mail online.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Easier mortgages will boost first-time buyers but send house prices up
sprou.tt
Easing mortgage stress tests looks set to trigger higher first-time buyer numbers and increased property prices, Savills said.Comment on Facebook
The number of 'simple assessment' tax bills sent by HMRC has doubled since income tax thresholds were frozen, with many pensioners likely receiving one for the first time. Read the full article from Which.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
HMRC simple assessments hit record high – what to do if you get one - Which?
sprou.tt
Plus 3 ways pensioners can cut their tax billComment on Facebook