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.
Have you thought about who will inherit your pension? As many as one in six UK adults with a partner do not know who will inherit their pension savings if they die before taking them. To learn more about naming beneficiaries and how to make sure your loved ones are taken care of check out this insightful article from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
One in six don’t know who will inherit their pension
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What happens to your pension when you die – and why is naming a beneficiary so important?Comment on Facebook
Are you ready to secure your mortgage rate but unsure about the duration? The average rates on two-year and five-year fixed mortgages are now almost identical, with just 0.01 percentage points between them, according to recent data. Here, Which? looks at what’s driving the narrowing gap, whether conflict in the Middle East could push rates back up, and five key things to consider before choosing your mortgage term. Discover the details between a two-year and five-year fixed term in this informative article.
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Should you fix your mortgage for two or five years? - Which?
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Two-year terms remain the most popular, but we explore whether they are the best value for moneyComment on Facebook
Worried about the impact of inheritance tax on your assets? Brits worried about looming inheritance tax bills brought on by Rachel Reeves’ Budget changes are turning to a special type of insurance to pay the cost. Wealth manager Quilter saw an almost 200% increase in the number of lifestyle trusts opened for IHT planning in 2024 compared to 2023. Explore the benefits of inheritance tax insurance and discover peace of mind for you and your heirs. Take a look at this article from Money Week.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
‘Inheritance tax insurance’ enquiries are soaring – but is it worth it?
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Premiums for whole of life insurance can run to £5,000 a month to cover a £300,000 inheritance tax bill, with policies costing more the older you take them out.Comment on Facebook
Curious about the changing landscape of retirement? Many people think retirement is for ‘old’ people and this holds them back from engaging with their pensions. But the way we retire has changed radically in the past decade, and far from being an end, retirement is more like the start of a new phase of life that can include periods of work mixed with sabbaticals, travel and relaxation. Read on in this article from The Herald to find out how retirement has changed and how planning ahead can help you enjoy the ‘new retirement’.
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What has changed about retirement today compared to 30 years ago?
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Many people think retirement is for ‘old’ people and this holds them back from engaging with their pensions.Comment on Facebook
Did you know you can lower your inheritance tax rate by supporting charities? Learn how giving back can benefit your loved ones and make a difference. Check out this insightful article from MoneyWeek.
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Brits could use ‘highly effective’ estate planning tool to cut inheritance tax rate by 10%
sprou.tt
Inheritance tax policy changes are prompting a surge in individuals overhauling their plans for their estate, say professional advisersComment on Facebook
Are you unknowingly falling into the current account savings trap? More than half of savers keep at least some of their savings in a current account, and could miss out on returns as a result. Have a read of this interesting article from Your Money and learn how to maximise your savings and make your money work for you.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Have you fallen into the current account savings trap?
sprou.tt
More than half (56%) of savers keep at least some of their savings in a current account, and could miss out on returns as a result.Comment on Facebook
Planning your financial legacy? Quilter has reviewed the portfolios of its thousands of clients since it was announced in the Autumn Budget 2024 that pensions will be brought into scope of inheritance tax (IHT) in two years’ time. Roddy Munro, head of technical sales at Quilter gives his comments on this trending topic in this article from Money Week. Have a read to learn how onshore bonds could help you to avoid inheritance tax and pass on wealth.
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Inheritance tax pension rule could make six times more over 55s liable – how investing in onshore bonds can help
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Financial advisers have switched to recommending onshore bonds to help clients avoid inheritance tax and pass on wealthComment on Facebook
Life can be unpredictable, but your income doesn't have to be. Income protection insurance replaces some of your monthly income if you are unable to work due to illness or injury. Whether you’re employed or self-employed, this type of cover is designed to support you and your family by covering your regular outgoings and helping maintain your lifestyle — so if something unexpected happens, your finances won’t be the first thing you have to worry about. Have a read of this insightful article from The Times and gain some valuable information.
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What is income protection?
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Income protection can help pay your bills if you aren’t able to work. We list the best providers if you’re considering this option. In 2023, the last year on record, insurers paid out £177 millio...Comment on Facebook
Don't underestimate the impact of delaying your pension savings. Young people have been urged not to delay saving into their pensions after new analysis reveals postponing by just five years in your 20's can result in a £40,000 drop to retirement funds. Discover why experts caution against waiting and how it could affect your financial future. Read more in this insightful article from i News.
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Delaying pension savings by 5 years could cost you £40k, experts say
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Postponing for even longer could have an even bigger impact on a retirement pot, pensions and insurance company Standard Life warnedComment on Facebook