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.
Considering a job change? A survey has identified a gap between what people value and what they feel able to ask about when applying for a new role. More than a third of people who started a new job in the past five years did not ask about their new firm’s pension scheme at any stage of the hiring process. However, workplace pensions were the third most important factor when people were weighing up which benefits most influenced whether they accepted a role. Have a read of this interesting article from The Independent for more insights.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
The money mistake more than a third of people make when moving jobs
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A survey of 2,000 workers identified a gap between what people value and what they feel able to ask about when applying for a new roleComment on Facebook
Thinking about buying a home or remortgaging this year? Mortgage rates have been changing, and it can be hard to keep up with what’s happening. This article from MoneyWeek looks at the latest UK mortgage rates and what they could mean for borrowers. Read this article now.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Will mortgage rates fall this year?
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Hopes of lower mortgage rates in the coming weeks and months are looking less and less likely due to the conflict in the Middle East. Whether you're buying a home, remortgaging or you’re a buy-to-le...Comment on Facebook
For many clients, starting a family is a joyous time filled with happiness and new experiences. However, it can quickly become apparent how expensive it is to raise children and the new financial responsibilities that creates. Read the full article in IFA magazine.
Quilter is not responsible for the accuracy of this article's information ... See MoreSee Less
Life Insurance is essential for new parents to protect their loved ones – L&G advises - IFA Magazine
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For many clients, starting a family is a joyous time filled with happiness and new experiences. However, it can quickly become apparent how expensive it is toComment on Facebook
This article takes a look at three tax changes due to happen in April 2027 to be aware of, including pension inheritance rules.
Shaun Moore, tax and financial planning expert at Quilter, said: “As pensions become part of the estate, probate is likely to become more complex and time‑consuming. Many households may want to respond by consolidating accounts, updating wills and putting lasting powers of attorney in place. These are not tax strategies, but they can make a meaningful difference for families later on, when simplicity and clarity matter most.”
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
3 tax changes are coming in April 2027 – how to prepare
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Changes to the treatment of pensions for inheritance tax and reduced cash ISA allowances are coming next year. We explain how to ensure you're prepared.Comment on Facebook
A new survey suggests that one in six pensioners have either already re-entered the workforce or consider doing so. Reasons for doing so varies, some social and some financial. Find out more in this article.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Older people forced to ‘unretire’ amid financial pressure concerns
sprou.tt
A significant proportion of older people are being forced to ‘unretire’, a new survey has revealedComment on Facebook
If a key person, partner, or director couldn’t work tomorrow, what would happen?
Financial protection for your business helps keep your company running smoothly, protects cashflow, and provides stability when life throws a curveball.
It’s not just about insurance - it’s about safeguarding what you’ve built.
Get in touch and start planning today www.ergonadvice.co.uk/
#FinancialAdvice #BusinessProtection ... See MoreSee Less
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Worried about gaps in your National Insurance record? A delay to a planned government solution could affect parents and carers’ future State Pension. Which? breaks down what you need to know. Read this article for more information.
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Fix for missing child benefit NI credits delayed – what it means for your state pension - Which?
sprou.tt
Your National Insurance record helps determine how much state pension you getComment on Facebook
Those earning above £50,000 through self-employment or property are now required to report their earnings and expenses quarterly to HMRC with the new Making Tax Digital system now being in live. Find out what this means for you in this article from the Express.
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HMRC sends 'new rule' alert to people earning above £50,000
sprou.tt
This is going to catch people outComment on Facebook
It has been announced that that graduates on Plan 2 and Plan 3 student loans will have interest capped at 6 per cent due to fears over inflation.
Find out what this means for student loans going forward in this article, subscription may be needed.
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Student loan rates capped to tackle debt crisis - what it means for repayments
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Ministers say they want to support students 'who are most exposed within this already unfair system'Comment on Facebook