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 (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.
Talking about money isn’t always easy - but it’s important. A third of Which? members in their recent survey said they haven’t talked about money matters with friends and family in the past 12 months. For more information, read this article from Which?
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
4 important money matters to discuss with loved ones in 2026 - Which?
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Plus, Which? readers share their tips for making sure the conversation goes smoothly.Comment on Facebook
Government proposals to tax inherited farmland have been watered down, with the planned threshold increasing from £1m to £2.5m. The climbdown follows months of protests by farmers and concern from some Labour backbenchers. Read the full story on the BBC website. Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Government waters down farm inheritance tax plan
sprou.tt
The government has now said it will lift the intended threshold from £1m to £2.5m.Comment on Facebook
The mortgage landscape is changing, with a significant increase in home buyers choosing extended loan terms. There were 116,276 mortgages taken out with a term longer than 35 years in 2024, up nearly 28 per cent from 90,911 in 2023. For more information, read this article from DailyMail.
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Buyers taking out mega loans of 35 years-plus has tripled since 2020
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Lengthy mortgages make borrowers' monthly bills lower, but they could pay tens of thousands more interest in the long run.Comment on Facebook
Wondering how an interest rate cut could impact your pension? Interest rates have been cut from 4% to 3.75%. For pension savers and retirees the effects of the drop will depend on the type of retirement pot they have, but could be significant. For more information, read this article from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What does an interest rate cut mean for my pension?
sprou.tt
Interest rates have been cut from 4% to 3.75%. For pension savers and retirees the effects of the drop will depend on the type of retirement pot they have, but could be significant.Comment on Facebook
Planning for retirement? The state pension alone may not stretch far enough for the lifestyle you want. 27% of UK adults say they’ll be totally or heavily reliant on the state pension in retirement. For more information, read this article from Which?
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Are you too reliant on the state pension for retirement? - Which?
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The state pension alone may not stretch far enough for the lifestyle you wantComment on Facebook
Data show that there is a decline in the number of marriages and civil partnerships in England and Wales. However, for those that do there are potential financial perks to be had. This articles takes a closer look at what financial allowances that those couples could benefit from, inheritance tax to ISA limits.
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6 ways married couples can cut taxes and maximise savings - Which?
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From side-stepping inheritance tax to doubling Isa allowances, we explain how getting hitched can boost your financesComment on Facebook
We’re all told to save into a pension, but there’s widespread confusion about how to take an income from our savings and investments at retirement. In this article, Money Week takes a look at your retirement income options. Learn how to make the most of your retirement savings by exploring the retirement income options available to you.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What are my retirement income options?
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We’re all told to save into a pension, but there’s widespread confusion about how to take an income from our savings and investments at retirement, a new study has found. We look at your retiremen...Comment on Facebook
The Chancellor has confirmed that once the state pension reaches an amount above the yearly personal allowance those whose only income is the state pension will not need to pay income tax on their payments. Due to the triple lock this should come into effect from April 2027. Learn more in this article.
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State pensioners to save at least £190 under new tax policy
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Chancellor Rachel Reeves confirmed the new policy will affect certain claimantsComment on Facebook
Christmas is fast approaching and if you plan on gifting cash to your loved ones there are a few things to keep in mind in terms of inheritance tax. Depending on the amount there is a change it could be hit by inheritance tax later on. This article could be a good reminder of what to be aware of when gifting money.
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5 inheritance tax rules to know when gifting money this Christmas - Which?
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Cash can be a welcome present, but your generosity could leave loved ones with a tax nightmare later onComment on Facebook