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.
It’s a sad statistic that 127 children are bereaved of a parent every day in the UK. While it can't replace you, having the right protection in place means that your family won't have to make financial cutbacks to their daily routine. Discover how Family Income Benefit insurance can provide financial security for your loved ones in the event of the unexpected. Learn more about this valuable coverage option.
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Family income benefit
sprou.tt
What is family income benefit and is it the right policy for your needs? Read this complete guide by Confused.com.Comment on Facebook
Whether you're a stay at home mum or dad, or you're the family breadwinner, it's essential to have the right financial protection in place for your family. The unpaid work of a stay-at-home parent is often something that's overlooked, but the cost of these daily chores could add up if you were no longer around. Have a read of this eye opening feature to find out why life insurance is just as important for stay-at-home parents and what options are available.
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Life insurance for stay-at-home parents
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A guild to life insurance for stay-at-home parents by Confused.com. Find out about your options.Comment on Facebook
Are you unsure about the best way to invest your money? Investing your full ISA allowance at the start of the tax year gives it longer to grow, but drip-feeding your money reduces short-term risks. Which approach is best? This article from MoneyWeek provides valuable information on whether it's better to invest a lump sum or spread out your investments over time.
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Should you invest a lump sum or drip your money in over time?
sprou.tt
Investing your full ISA allowance at the start of the tax year gives it longer to grow, but drip-feeding your money reduces short-term risks. Which approach is best?Comment on Facebook
Is equity release the right choice for you? Equity release is a way for over-55s to unlock some of the wealth tied up in their home to provide extra funding in retirement. In this article from Which? learn what's driving the increase of using equity release, how it works and what you need to consider before using it.
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www.which.co.uk
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Looking to boost your pension pot? Retirees report having £119,000 less in their pension than they had hoped – but there are ways to boost your pot now so you don’t have to sacrifice your retirement. Read this article from MoneyWeek to discover simple ways to increase your contributions and secure a comfortable retirement.
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How to boost your pension pot
sprou.tt
Retirees report having £119,000 less in their pension than they had hoped – but there are ways to boost your pot now so you don’t have to sacrifice your retirementComment on Facebook
Are you prepared for retirement? Millions of people across the UK are “sleepwalking into retirement poverty”, a report has warned, as rising living costs outstrip pension savings and key groups slip through the cracks of the system.
A total of 15.3 million people, over a fifth of the population, are now at risk of financial hardship in old age, according to Scottish Widows’ latest Retirement Report. Have a read of this eye opening article from i News to discover key insights on avoiding financial risks in retirement and securing a comfortable future.
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15.3m are at risk of poverty in retirement - how you can protect yourself
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Millions of people across the UK are 'sleepwalking into retirement poverty', according to a reportComment on Facebook
If you own a house with a partner but it is only in one of your names, have you thought about what this could mean for inheritance tax? In this article the Mail on Sunday spoke to two financial advisers to find out what you need to do to make sure your home is safe from the taxman. Have a read of this eye opening feature to find out more.
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Our house is in my husband's name - will I lose out to IHT?
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When one of us dies, would my husband and I still be able to inherit each other's residence nil-rate bands of £175,000 each for inheritance tax purposes?Comment on Facebook
Are you looking for ways to optimise your inheritance tax planning? A Freedom of Information request to HMRC by wealth manager Quilter shows that in the past three years, just 1,490 estates that paid IHT have used the “gifts out of surplus income” rule, which equates to less than 2 per cent of those that pay the tax. Have a read of this article from i News where Rachael Griffin, tax and financial planning expert at Quilter gives her comments and learn about a proven method that could potentially save you thousands.
Read more - subscription may be needed.
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The little-known way to cut your inheritance tax bill that just one in 50 use
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Experts predict that more people will use the 'gifts out of surplus income' rule once pensions are subject to inheritance taxComment on Facebook
Have you ever thought about what your financial future really looks like? Not just your savings or retirement fund, but the full picture? Holistic financial planning is about more than ticking one box at a time. It’s about understanding all the parts of your financial life and ensuring they work together to protect you and your family. Discover how holistic financial planning can help you build a safer and smarter financial future. Learn more about the benefits of taking a comprehensive approach to your finances in this feature from Cover Magazine.
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Build a safer, smarter financial future with holistic financial planning
sprou.tt
George Kolbe of Momentum Life Insurance highlights the importance of holistic financial planning. He explains how integrated strategies—covering savings, insurance, wills, and family support—can p...Comment on Facebook