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.
What does the future hold for pensions and inheritance? New research reveals that many savers plan to pass pension pots to loved ones but are unaware of pending inheritance tax rules on retirement funds. Many people may be planning for retirement based on outdated assumptions around government policy, including inheritance tax but also a rising state pension age. so for a better understanding of the impending changes to pensions and inheritance tax, have a read of this eye-opening article from the Daily Mail.
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One in four wealthy people plan to leave pensions to family
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Many people may be planning for retirement based on outdated assumptions, according to Schroders Personal Wealth.Comment on Facebook
A new study suggest that close to a third of people regret not starting to save earlier in life, with one in ten being concerned that they had not built up an emergency fund for unexpected expenses.
Learn more in this article.
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A third of people regret not saving money sooner, are YOU one?
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Almost a third of people, some 29 per cent, said they regret not starting to save sooner, Tesco Bank said.Comment on Facebook
How could the proposed tax changes affect your retirement plans? As British workers make record withdrawals from their pension pots, amid fears that the chancellor is about to reduce the tax-free limit in her autumn Budget, worries are rising that some people might be prompted to make decisions that will affect more than just their later years. Have a read of this article from The Independent for more insights.
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Will a pensions raid stop young people from saving?
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As British workers make record withdrawals from their pension pots, amid fears that the chancellor is about to reduce the tax-free limit in her autumn Budget, James Moore worries that some people migh...Comment on Facebook
How does Britain rank against other countries as a place to retire? This article takes a closer look at what the data in the Global Retirement Index suggests.
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Is the UK a good place to retire...? The big and rich countries ranked
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We slipped in financial indicators like income inequality and unemployment compared with a year ago, according to the Global Retirement Index from Natixis.Comment on Facebook
New figures show a 3% increase in the amount taken out by over-55s in later life mortgages during the second quarter of this year. That amounts to a value of £5.2 billion. Learn more about what later life mortgages are in this article.
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‘Tough decisions’ for households as figures show rise in later life mortgages
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Some 4,780 home loans worth £570 million were taken out by borrowers aged over 70 in the second quarter of 2025.Comment on Facebook
Thinking about making a positive impact with your mortgage? The number of “green mortgage” deals available to homeowners is growing, but how do they work, and who qualifies for one? Have a read of this article from Money Week for insights.
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Green mortgages: how do they work and how much can you save?
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Most high-street lenders now offer some kind of green mortgage deal. We look at who’s eligible, how to apply and the mortgage rates and cashback on offerComment on Facebook
Considering a tracker mortgage? With interest rates falling, some borrowers are saving hundreds on their mortgage. For more information on the pros and cons of tracker mortgages, who they suit best and the rates currently on offer, read this article from Which?
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Should you consider a tracker mortgage? - Which?
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With interest rates falling, some borrowers are saving hundreds on their mortgageComment on Facebook
Pension credit applications are on the rise, but so are the rejections. Find out more on how the credit works and five reasons why a claim might be rejected in this article from Which? Money.
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Pension credit: 5 reasons you could be turned down and what to do - Which?
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DWP data reveals a rise in pension credit claims, yet rejections remain highComment on Facebook
Want some tips on how to save money on your energy bills this winter? This article sums up a few tips to help save some money as we head into the colder and darker months of the year.
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Common household mistakes costing you thousands & free ways to save this winter
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AS the temperatures continue to drop and the evenings get shorter, most households are preparing for winter. And with these handy tips, you can save significantly on your energy bills. From running…Comment on Facebook