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.
Did you know pension contributions can be a smart tax-efficient move for many savers? If you can afford it, boosting your pension contributions can make you richer in retirement and also keep your taxable income below other key thresholds. And if you are a higher earning parent, it can allow you to carry on receiving child benefit or free childcare hours. Whether it’s salary sacrifice or topping up your pension, small changes now may mean big benefits later. Have a read of this interesting article from The Daily Mail for the details.
Quilter is not responsible for the accuracy of this article's information.
Do YOU know paying into a pension can cut your income tax bill?
If you can afford it, boosting your pension contributions can make you richer in retirement and also keep your taxable income below other key thresholds. ... See MoreSee Less
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House prices have seen the first monthly gain since February with the typical property cost £299,330 in June, a 0.2% increase on the month before. Learn more in this article from the Guardian.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
UK house prices rise for first time since start of Iran war
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Typical property cost £299,330 in June, 0.2% more than the month before, says LloydsComment on Facebook
The Bank of England's prediction of how many homeowners can expect their mortgage repayments to increase by the end of 2028 have gone up by one million. Find out who might be impacted and by how much in this article.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
One million more UK homeowners expected to face mortgage hit
sprou.tt
Homeowners face paying £45 a month more on average when they move onto a new deal over the next two years.Comment on Facebook
Stay informed about the latest updates on the pensions dashboard tool. It's currently estimated that there are 3.3 million lost pension pots in the UK, worth a combined total of £31.1 billion and this new tool will make it easier for millions of people to keep track of their pensions allowing you to see all your pension pots in one place. Have a read of this article from the Mirror and discover how he pensions dashboard tool can empower you to take control of your pension savings.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Millions of people will soon be able to see all their pensions in one place
sprou.tt
It's currently estimated that there are 3.3 million lost pension pots in the UK, worth a combined total of £31.1 billionComment on Facebook
Curious about the future of state pensions under the potential new Labour leader, Andy Burnham? Keir Starmer vowed not to touch the triple lock, a system that promises to increase the state pension each April by either the rate of inflation, average earnings growth or 2.5%, whichever is highest. The triple lock has served pensioners well, but its sustainability has been questioned over and over again. Here, Money Week takes a look at whether Andy Burnham will shield it if he becomes the new Labour leader.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Will the new Labour leader remove the triple lock pensions system?
sprou.tt
The triple lock has served pensioners well, but its sustainability has been questioned over and over again. Will Andy Burnham shield it as Labour leader?Comment on Facebook
According to new projections, the International Monetary Fund (IMF) has said inflation should fall back to the Bank of England‘s target rate of 2% by mid-2027. The UK’s inflation rate, which is a measure of how quickly prices of goods and services are rising, currently stands at 2.8%. Have a read of this article from The Sun for rate of inflation insights.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Inflation to fall to 2% over next year in surprising good news for households
sprou.tt
INFLATION should ease back to target levels quicker than previously expected, according to new projections. The International Monetary Fund (IMF) said inflation should fall back to the Bank of Engl…Comment on Facebook
Wondering how to secure your financial future? For many, the prospect of retirement, often envisioned as a period of newfound freedom and reward, is overshadowed by a looming financial anxiety. But navigating the transition from regular income to relying on pensions and savings doesn't have to feel that way. Discover practical recommendations from industry experts in this must-read piece by The Independent.
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Nine expert tips to stop you from outliving your retirement savings
sprou.tt
From finding out your entitlements to setting out your priorities, small, strategic steps can make a significant differenceComment on Facebook
Changes have been proposed in regards to the inheritance system for cohabiting couples. Find out what the current rules are compared to married couples, and what the changes would mean in this article.
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What rights is the government proposing for co-habiting couples?
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Co-habiting couples in England and Wales could be given more protections if they break up under new government proposals.Comment on Facebook
The HMRC Personal Allowance is one of the most hotly debated topics in personal finance. In short, it's the amount of income you can earn each financial year before you start having to pay tax. Have a read of this informative article from The Herald to learn about the HMRC Personal Allowance, how much it is and whether it will increase.
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Full details of the HMRC Personal Allowance and what it means for pensioners
sprou.tt
The HMRC Personal Allowance is one of the most hotly debated topics in personal finance. In short, it's the amount of income you can earn each…Comment on Facebook