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 Ltd 06/01/2026.
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.
Wondering how the Bank of England's interest rate decision could affect your financial future? The Bank has held interest rates at 3.75%, and experts say inflation could fall back to 2% by spring. For more information, read this article from the SUN.
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Bank of England reveals crucial interest rate decision - what it means for you
sprou.tt
THE Bank of England has held interest rates rate at 3.75%, due to poor economic growth and worries about the job market. The decision by the Bank’s Monetary Policy Committee (MPC) came after inflatâ...Comment on Facebook
Analysis suggests that the spring months might not be the best time to list a house for sale, instead February might be the one when looking at the percentages of listed houses that end up selling. Find out more in this article on sales data, including how long on average it takes to sell.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
THIS is the best month to put your house up for sale, Rightmove says
sprou.tt
The property portal analysed millions of homes listed for sale over a ten-year period to find the month that houses were most likely to sell.Comment on Facebook
Are you looking to cut tax and pass assets to your loved ones? Trusts are on the rise as families seek smart financial planning solutions. Here, The Daily Mail explains how trusts work, when to use one, and the potential pitfalls to be aware of. Learn more about the benefits of trusts in this latest article.
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Families rush to set up trusts to cut inheritance tax
sprou.tt
The Trust Registration Service received a flurry of filings last January, the most recent period for which data is available.Comment on Facebook
Did you know that Junior ISAs can play a role in inheritance tax planning? Junior ISAs (JISAs) are emerging as an effective inheritance planning tool amid impending pension inheritance tax changes from April 2027. One option is for parents or grandparents to put money into a JISA savings account for children under age 18. Find out how in this informative read from Money Week.
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Junior ISAs could help with inheritance tax planning as more families utilise allowance
sprou.tt
Looming inheritance tax changes will limit how much pension wealth can be passed on but more people may now be maxing out their loved ones’ JISA allowance instead.Comment on Facebook
Investing isn't just for older generations anymore. Gen Z and millennials are investing at far higher rates than older generations, with 47% of Gen Z and 46% of millennials putting money into investments over the past year. Discover why a rising number of young adults are diving into the world of investments. Have a read of this article from The Mirror.
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Number of young adults investing more than double that of older generations
sprou.tt
Gen Z and millennials are investing at far higher rates than older generations, with 47% of Gen Z and 46% of millennials putting money into investments over the past yearComment on Facebook
Thinking about switching up your pension strategy? Your pension strategy may need tweaking - with many pension experts now arguing that 75 should be the pivotal age in your retirement planning. For more information, read this article from MoneyWeek.
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Why it might be time to switch your pension strategy
sprou.tt
Your pension strategy may need tweaking – with many pension experts now arguing that 75 should be the pivotal age in your retirement planning.Comment on Facebook
Wondering if mortgage fees are worth it? Which? snapshot analysis has found that the average fee on the leading two and five-year fixed-rate deals for first-time buyers and home movers has crept up, and has jumped significantly for those looking to remortgage. For more information, read this article from Which?
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Are mortgage fees worth paying to secure the best rates? - Which?
sprou.tt
Fees have risen by almost £500 on average for one type of borrowerComment on Facebook
Thinking about delaying your state pension to boost your income later? Nearly 42,000 (41,938) claimed a deferred state pension in 2023/24, according to figures obtained by retirement firm Royal London via a Freedom of Information (FOI) request. For more information, read this article from MoneyWeek.
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Should you defer your state pension and stay in work?
sprou.tt
You could boost your state pension by hundreds or thousands of pounds by deferring it if you don’t need the income right now. We look at how it works, and the pros and consComment on Facebook
Are you a homeowner concerned about rising ground rent costs? Ground rents will be capped at £250 a year in England and Wales, in a move that would benefit over five million leaseholders with the new cap likely to come into force in late 2028, subject to Parliament approval. Have a read of this article from the Mirror to discover how a new ground rent cap could provide relief for millions.
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Ground rent cap to benefit millions of homeowners - what you need to know
sprou.tt
Ground rents will be capped at £250 a year in England and Wales, in a move that would benefit over five million leaseholdersComment on Facebook