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.
Planning for the future? Term life insurance could be the key to peace of mind for young professionals. It is an affordable way for young professionals to secure their financial future and protect their loved ones from financial risks. Find out how this choice could benefit you.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Why Term Life Insurance Is a Smart Choice for Young Professionals
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Term life insurance is an affordable way for young professionals to secure their financial future and protect their loved ones from financial risks. Why Term Life Insurance Is a Smart Choice for Young...Comment on Facebook
What impact could mandatory UK share holdings have on your ISA portfolio? The UK government would like ISA investors to hold more UK stocks but many of us are already overexposed. Explore the pros and cons in this thought-provoking piece from Money Week.
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Should ISA investors be forced to hold UK shares?
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The UK government would like ISA investors to hold more UK stocks – but many of us are already overexposedComment on Facebook
BBC Scam Safe week is back with seven days of special programming across TV, iPlayer, Radio, Sounds and Online from 22 - 28 November ... See MoreSee Less
BBC Scam Safe week is back with seven days of special programming across TV, iPlayer, Radio, Sounds and Online from 22 - 28 November
www.bbc.com
The special week of programming will highlight what viewers can do to protect themselves and those they love from being scammedComment on Facebook
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Planning for the future includes understanding inheritance tax. The daunting task of working out and paying inheritance tax must be done in the immediate and intense period of grief after a death. Although the vast majority of estates aren't liable for inheritance tax, the number of families grappling with it is bound to rise in coming years due to frozen thresholds, high property prices and pending pension changes. In this helpful article from The Daily Mail, use a step by step guide to help you sorting out inheritance tax after a bereavement.
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How to work out and pay inheritance tax: A 12-step guide
sprou.tt
The daunting task of working out and paying inheritance tax must be done in the immediate and intense period of grief after a death. Read our guide on what to do...Comment on Facebook
Are you concerned about the impact of the tax threshold freeze? Chancellor Rachel Reeves is reportedly mulling over freezing personal income tax thresholds in the upcoming Budget. For more information, read this article from Mirror.
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£12,570 tax threshold freeze impact on State Pension and Universal Credit
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New Institute for Fiscal Studies analysis shows how continuing income tax threshold freeze will affect pensioners, minimum wage workers and those on benefitsComment on Facebook
Did you know nearly two in five savers say they will cut back on pension contributions if there is a crackdown on salary sacrifice arrangements in the Budget. For more information, read this article from DailyMail.
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Salary sacrifice cap could deter pension saving, money experts warn
sprou.tt
Nearly two in five savers say they will cut back on pension contributions if there is a salary sacrifice crackdown in the Budget, new research reveals.Comment on Facebook
Could stamp duty become a thing of the past? Chancellor Rachel Reeves is rumoured to be considering scrapping the much-hated stamp duty tax in her Autumn Budget on Wednesday 26 November. This article from The Standard takes a look into the possibility of the Chancellor scrapping stamp duty and what it could be replaced with.
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Autumn Budget: Is Rachel Reeves really going to scrap stamp duty next week?
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Inflation fell to 3.6 per cent in October, in a pre-Budget boost to Rachel Reeves as well as to consumers and businesses. The latest update from the Office for National Statistics (ONS) showed Consumer Prices Index (CPI) inflation dropping from September, when it surprisingly held at 3.8 per cent. Dive into the details of the UK inflation trends with this comprehensive article from The Independent.
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UK inflation falls in pre-Budget boost Rachel Reeves
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Household services contributed the biggest decline towards overall falling inflationComment on Facebook