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.
Exciting news for homebuyers! The government has announced plans to streamline the home buying process, making it quicker and cheaper. Find out how in this article by Which?
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Government announces plans to make buying a home 'quicker and cheaper' - Which? News
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A third of housing transactions collapse, costing buyers and sellers £400m a yearComment on Facebook
At what age are you planning to retire? A new report into the impact of longer life expectancy on retirement finance says the UK State Pension age will have to rise to 71. The DWP pension age of 66 is set to rise to 67 between May 2026 and March 2028. From those retiring from 2044, it is expected to rise to 68. But new research suggests that workers born after April 1970 may have to work until they are at least 71 before claiming their state pension. Have a read of this article from The Herald to find out more.
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DWP State Pension age will have to rise to 71, new report says
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New research suggests that workers born after April 1970 will not reach UK State Pension age until they are 71Comment on Facebook
Are you prepared for inheritance tax implications? Tax planning has taken a large part of families’ inheritance discussions since Rachel Reeves’s Budget and Britain’s wealthy are being pushed towards “whole of life” cover to reduce inheritance tax bills. Find out how life assurance can help secure your family's future. Check out this feature in The Telegraph.
Read more - subscription may be needed.
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Families turn to life assurance to swerve inheritance tax reforms
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Labour executes ‘economic own goal’ as taxpayers shield cash in death policiesComment on Facebook
Are you looking for the right life insurance options in the UK? Life insurance is an essential financial tool that provides security and peace of mind, ensuring that your loved ones are financially protected in the event of your passing. In the UK, there are numerous life insurance companies offering a range of policies, each with its unique features, benefits, and services. But with so many options available, how can you choose the right one for your needs? This article will explore the top life insurance companies in the UK, highlighting what makes them stand out in a competitive market.
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Top life insurance companies in the UK: What sets them apart
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Life insurance is an essential financial tool that provides security and peace of mind, ensuring that your loved ones are financially protected in the event of your passing. In the UK, there are numer...Comment on Facebook
Looking to cut down on unnecessary expenses? It's easy to add to the regular payments going out of our bank accounts each month now that your expenditure grows without you noticing until it’s too late. Here’s a guide to ten things you can get for free or cheap instead or splurging on them as a regular expense. This article shares 10 things you might be wasting money on without even realising it.
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10 things you’re probably wasting money on - and how to save cash now
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There are loads of things we seem to pay for automatically – but we don’t have to, so MoneyMagpie Editor and financial expert Vicky Parry has shared how you could save on everyday thingsComment on Facebook
Stay informed about the latest economic news! Learn more about the recent interest rate cuts and how they could impact your financial decisions.
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Interest rates: Why have they been cut and what does it mean?
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The PA news agency looks at the outcome of the Bank of England’s decision, and whether rates will fall again soon.Comment on Facebook
A significant number of young adults in the UK are uncertain about how to obtain protection insurance, potentially leaving them vulnerable to financial instability in the face of unforeseen events. A new survey of 1,000 UK residents found that over one in ten (11%) have either not considered applying or feel apprehensive about purchasing protection insurance due to a lack of knowledge on how to proceed. Have a read of this article for further insights.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Financial Protection Gap: Young Adults Uncertain About Income Safeguards
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Survey reveals lack of awareness among under-25s about income protection should they suffer an illness or lose their jobs.Comment on Facebook
The number of applications for probate cases taking longer than 12 months rose by 134% between 2020 and 2023, according to a Freedom of Information request obtained by wealth management company, Quilter. Changes to inheritance tax will bring pensions into taxable estates from April 2027, and Quilter has warned this could cause further hold-ups and added complexity. In this article, Which? explains how long the probate process should take and the knock-on effects delays have on families.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Surge in probate cases taking more than a year: can you avoid delays? - Which? News
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The number of applications taking longer than 12 months rose by 134% between 2020 and 2023, according to a Freedom of Information requestComment on Facebook
Looking to invest in stocks and shares ISAs but not sure how they work? Have a read of this valuable article from Money Week, that covers everything you need to know - including how stocks and shares ISAs work and how to open one, as well as looking at the tax implications and transfer rules.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Stocks and shares ISAs: everything you need to know
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Our guide explains how stocks and shares ISAs work and how to open one, as well as looking at the tax implications and transfer rules.Comment on Facebook