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.
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.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What is income protection?
sprou.tt
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
sprou.tt
Postponing for even longer could have an even bigger impact on a retirement pot, pensions and insurance company Standard Life warnedComment on Facebook
First-time buyers, people borrowing into retirement and those who are self-employed could benefit from possible changes to mortgage rules, as the City regulator kicks off a “public conversation” into the future of the market. The Financial Conduct Authority (FCA) has launched a discussion paper on the potential benefits and risks that changing rules could see. Have a read of this article from The Standard to find out more.
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First-time buyers and retirees ‘could gain from possible mortgage rule changes’
sprou.tt
The Financial Conduct Authority has launched a discussion paper on the potential benefits and risks of changing mortgage rules.Comment on Facebook
Your credit score plays a big role in your financial health. Many of us wouldn’t dream of applying for a job without knowing what our CV says – yet when it comes to borrowing money, we often forget to check the financial CV that is our credit score. Get expert advice on how to improve yours by reading this article from The Independent. Here credit scores are explained and why it matters.
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Why your credit score is important and easy ways to improve it
sprou.tt
Your credit score is key to your financial future - but what is it and how can you make it better?Comment on Facebook
Pension transfers are taking longer - is it worth it? Combining old pension pots can be an effective way to manage your retirement savings in one place, but many savers are facing long waits to merge their money. Have a read of this article from Money Week to learn more about the potential benefits and risks of moving your pension.
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Pension transfers are taking longer – is it worth moving your retirement savings?
sprou.tt
Pension transfer times have increased over the past year but it may be worth the wait for lower fees and less paperwork.Comment on Facebook
Wondering about the ins and outs of equity release repayment? Each year, thousands of homeowners over the age of 55 find that equity release is the right choice for them, helping them finance a more comfortable retirement. Part of the appeal is that these schemes can be flexible, and unlike a traditional mortgage or a specialist product such as a retirement interest-only mortgage (RIO), there are no required repayments. Have a read of this insightful article from The Telegraph for all the information you need.
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Can you pay back equity release?
sprou.tt
If you are considering equity release, it is worth considering whether you can make repayments early.Comment on Facebook
Your pension is your future – don't let scammers take advantage and fall victim to inheritance tax fraud schemes involving your pension. Pensions are expected to be included in estates for inheritance tax purposes from 2027 but experts warn that savers should be wary of too-good-to-be-true avoidance schemes. Stay vigilant and educate yourself on potential risks to ensure a secure retirement. Have a read of this article from Money Week to learn more.
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Inheritance tax scam warning – how to protect your pension pots ahead of 2027 rule change
sprou.tt
Pensions are expected to be included in estates for inheritance tax purposes from 2027 - but experts warn that savers should be wary of too-good-to-be-true avoidance schemesComment on Facebook
Stay informed about the latest updates on the Bank of England's interest rate changes and what they mean for your finances. Check out this insightful article from The Sun for more details.
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Bank of England interest rate decision confirmed – what it means for YOUR wallet
sprou.tt
THE Bank of England has chosen to keep interest rates unchanged, dashing the hopes of homeowners seeking relief from mounting mortgage costs. During today’s Monetary Policy Committee (MPC) me…Comment on Facebook
Are you aware of the age cap on income protection policies? You can only get income protection cover if you are below age 59. With people now working for longer, should the limit be raised? Questions are being raised about “outdated” age limits on income protection which could leave older workers and entrepreneurs exposed to financial risks. Have a read of this article from Money Week for more insights on this discussion.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Should the income protection age cap be lifted?
sprou.tt
You can only get income protection cover if you are below age 59. With people now working for longer, should the limit be raised?Comment on Facebook