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.
The latest figures show that a comfortable retirement for a two-person household now costs £62,700 a year, and only 9% are on track to reach this. Find out how much you need for a minimum or moderate retirement in this article.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
The annual cost of a comfortable retirement has risen by £2,000 - Which?
sprou.tt
New figures highlight the challenges many face to save enough for retirement, with just 9% on track to afford a 'comfortable' lifestyleComment on Facebook
Moving abroad does not mean that you are automatically exempt from UK inheritance tax. This article takes a closer look at what the rules are.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Moving abroad won't save you from the British tax man
sprou.tt
Brits have become ensnared in tax traps following an upheaval of the system by Chancellor Rachel Reeves in the past two Autumn Budgets.Comment on Facebook
Are you a landlord - and ready for the new rules? Proposed changes could mean fines of up to £7,000 if landlords don’t follow the latest requirements. It’s a big shift for buy-to-let and one you don’t want to miss. Check out this article from MoneyWeek for more information.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
The rental rules landlords must follow by end of May to avoid a £7,000 fine
sprou.tt
New rental rights go live from 1 May and landlords need to act fast to avoid a fine for not keeping tenants informed.Comment on Facebook
Are you paying the right amount of tax on your state pension? Around 1.7 million pensioners could risk paying too much tax, due to an administrative error from HMRC. This issue affects those who fill out a self-assessment tax return and the tax office is telling pensioners to check their tax returns carefully before the self-assessment deadline on January 31 2027. Here, Which? explains how to check whether you’ve paid too much tax, what to do if the figure on your tax return is wrong, and what upcoming changes to state pension tax could mean for you.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Are you paying the right amount of tax on your state pension? - Which?
sprou.tt
HMRC has admitted an error in how some state pension income is calculated on self-assessment tax returnsComment on Facebook
During a heatwave the last thing you'll be thinking about is your heating and energy bill. But energy prices will rise in July and analysts predict bills, driven by the increase in the cost of gas, are likely to remain elevated into the winter. Experts say action now can save money when the pinch comes, even though people may feel they have already made every saving possible. Here are some options to consider from BBC News.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How you can save money on your energy bill
sprou.tt
Experts say action now can save money when the pinch comes this winter.Comment on Facebook
Are you saving enough for retirement? With life expectancy on the rise, it's important to plan ahead. But with later life expectancy comes the burden of funding retirement for longer. In this guide, Money Week looks at how you can boost your retirement cash pot and cover care costs in later life. Check out this insightful article for tips on maximising your pension savings and see what Adam Cole, retirement specialist at Quilter has to say.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How to boost your retirement finances as more people set to live to 100
sprou.tt
Later-life planning is more important than ever, with 19% of girls and 12% of boys born in 2024 expected to live to 100, according to the ONSComment on Facebook
Wondering how the new rules on inheritance tax for pensions will work in practice? HMRC has provided new details on how inheritance tax will apply to pensions from next year. Inheritance tax is charged where the estate of someone who has died exceeds the available tax-free allowances. Previously exempt, any unspent pension pots will count towards the value of an estate from April 2027. Have a read of this important article from Which? to get all the details and insights that we know so far.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Inheritance tax on pensions: HMRC reveals how the new rules will work in practice - Which?
sprou.tt
HMRC will continue to publish updates on how inheritance tax will apply to pensions ahead of the new rules taking effect in April 2027.Comment on Facebook
Don't take chances with your valuable gadgets while traveling. Millions of Brits heading abroad this summer are being urged to make one simple check before they set off and it could save them a small fortune if their gadgets, jewellery or luggage go missing. Financial information business, Defaqto says holidaymakers may already have valuable cover hidden in their home insurance policy that they do not even know about – and in some cases it could actually be better than their travel insurance. Have a read of this eye-opening article from The Sun to find out more.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How your HOME cover could protect holiday gadgets better than travel insurance
sprou.tt
MILLIONS of Brits heading abroad this summer are being urged to make one simple check before they set off — and it could save them a small fortune if their gadgets, jewellery or luggage go missing.�...Comment on Facebook
Do you know when your self-assessment tax return is due? Getting your deadlines right can save you stress (and extra costs). From filing dates to payment deadlines, it’s worth staying one step ahead. For more information, read this article from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
When is the self-assessment tax return deadline?
sprou.tt
If you are self-employed, rent out a property or earn income from savings or investments, you may need to complete a self-assessment tax return. We run through the deadlines that have already passed �...Comment on Facebook