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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Redundancy;
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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 has been three years since insurers were banned from offering new clients better deals than the rates they gave to their loyal customers. Dive into the details of why insurance costs are on the rise and how it's affecting consumers like you. Have a read of this article from The Times to find out more.
Read more - subscription may be needed.
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We’ll explore how money coaching works, whether it’s the right fit for you, and share real-life case studiesComment on Facebook
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Lindsay James, an investment strategist at Quilter Investors, highlighted the mixed bag of prospects Brits may face financially, including potentially higher taxes and mortgage rates.
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Now's the time to mark your calendars! In this article, the Daily Mail has published a comprehensive list of money deadlines for 2025. Don't miss out on these crucial dates to avoid any nasty financial surprises.
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You have weeks to file an online return and pay what you owe. There's a £100 fine if you file up to three months late. For late payments, you're charged 7.25% interest.Comment on Facebook
Your mortgage, pension, and savings could be impacted by the bond market turmoil. Learn more about what this means for you in this informative article by The Guardian.
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Wondering how investors are protecting themselves from increased capital gains tax? With capital gains tax increasing since the Autumn Budget, investors are turning to tax wrappers like SIPPs and ISAs to shield their wealth. Have a read of this insightful article from Money Week to see how you could reduce your CGT bill.
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Are you curious about how the upcoming minimum wage increase could affect your career? The UK’s national living wage will rise by 6.7% in April 2025. Check out this latest article from the Times that explains who’s included, and what the real difference between the living wage and minimum wage.
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Free to read. The UK’s national living wage will rise by 6.7% in April 2025, with a 16% rise in the minimum wage for 18 to 20-year-olds. Find out more here.Comment on Facebook