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.
Retirement plans can be reshaped by unexpected factors — from rising costs and healthcare needs to changing pension rules and market returns. If you haven’t reviewed your strategy recently, now’s the time. Here, Which? explores how rising costs, caring responsibilities and changes in health have shaped people’s retirement in ways they didn’t expect and share tips on how to prepare for your post-work years.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Three surprises that could reshape your retirement - Which?
sprou.tt
Retirees reflect on whether the reality of retirement lives up to the dreamComment on Facebook
Reports suggest that rising the state pension age to 68 could take effect seven years earlier than scheduled, but the Treasury says its policy hasn't changed. But what would it look like if it changed? This article takes a closer look.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Will the state pension age rise to 68 sooner than planned? - Which?
sprou.tt
Reports suggest that the rise could take effect seven years earlier than scheduled, but the Treasury says its policy hasn't changedComment on Facebook
What is a land value tax and how would it work in practice? This article takes a closer look. Read to learn more.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What is a land value tax and how would it work?
sprou.tt
A land value tax makes sense in theory. Could it work in practice – and will Andy Burnham implement the property tax?Comment on Facebook
A proposal set to be introduced from April 2029 would require some self-assessment taxpayers to pay monthly, rather than continue with the current set up. Read this article to find out how this would work, who is affected and why it's being proposed.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Could your self-assessment tax bill soon be paid monthly? - Which?
sprou.tt
The proposals could affect around 2.1 million of the UK's 12 million self-assessment taxpayers, according to HMRCComment on Facebook
Do you know how inheritance tax rules for pensions are due to change? This article looks at the changes planned for April 2027, including how unused pension savings may be treated when calculating inheritance tax. For more information, read this article from Which?
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How inheritance tax will apply to pensions - Which?
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We answer frequently asked questions about the rule changes taking effect next yearComment on Facebook
Andy Burnham has pulled back from suggestions about increasing the tax-free personal allowance. Learn more in this article from the BBC as sources close to Burnham have told them that any changes to the personal allowance are not part of his initial plan to tackle the cost of living.
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No immediate change to income tax allowance, says Andy Burnham
sprou.tt
The new prime minister previously said voters were frustrated over the freeze in tax-free personal allowance.Comment on Facebook
The Banks of England are meeting on the 30th July to decide the next interest rate, but will it go up, down or stay the same? Read this article for some predictions.
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Will interest rates go up next week? Key factors and 2026 predictions
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The Monetary Policy Committee cut rates four times last year but 2026 remains far more uncertainComment on Facebook
What does an Andy Burnham-led government mean for your money? He has so far announced VAT cuts on household electricity bills and pledged for a £2 bus fare cap in England. Read this article to find out more.
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Prime Minister Andy Burnham promises help with your money. How could it affect you?
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The new PM says he will look at how much people can earn before paying tax but there will be no change yet.Comment on Facebook
Looking for easy ways to save money on your car this summer? From reducing fuel costs to taking advantage of free vehicle checks, small changes could help keep more money in your pocket. Discover three practical ways to lower your motoring costs and make your budget go a little further. Read this article from the Sun to find out more.
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From saving on fuel to free checks - three ways to put the brakes on car costs
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MORE than 14million drivers are expected to hit the road this weekend as schools close for summer. But the higher cost of petrol and potential for breakdowns could cost many motorists. Here’s how tâ...Comment on Facebook