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.
Are you a self employed individual finding it tricky to get on the property ladder? The Financial Conduct Authority (FCA) will be exploring how to help lenders offer flexible repayments for people with variable incomes, potentially making it easier to get a mortgage under new proposals. Have a read of this article from The Mirror for more information.
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You could find it easier to get a mortgage under new proposals
sprou.tt
The Financial Conduct Authority (FCA) will explore how to help lenders offer flexible repayments for people with variable incomes, like those who are self-employedComment on Facebook
Looking for a smart way to maximize your ISA savings? This trick may be just what you need. A flexible ISA allows savers to withdraw money and replace it later in the same tax year without it counting towards their annual ISA allowance again. It's a feature that could prove particularly useful as households continue to juggle rising bills, unexpected expenses and the need to keep emergency savings close at hand. Have a read of this article from The Mirror to learn about the benefits of the flexi-ISA.
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ISA trick that lets you take money out – without losing your tax-free allowance
sprou.tt
Millions of Brits are careful not to exceed their annual ISA allowance – but many don't realise there is a way to get access to their savingsComment on Facebook
Your daily routine could be costing you more than you think! An estimated 18.8 million people in the UK have life insurance, and for a significant number of them a daily habit could be quietly pushing their premiums far higher than they need to be. The habit? Smoking and vaping. In this article discover how this common habit could be causing you to overspend on insurance without your knowledge.
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Millions of Brits with this one daily habit could be paying £1,000s more for insurance without fully realising it - TeaTalkMagazine
sprou.tt
An estimated 18.8 million people in the UK have life insurance, according to Finder UK research, and for a significant number of them a daily habit could be quietly pushing their premiums far higher t...Comment on Facebook
Wondering how to make the most of your pension? Dive into this comprehensive guide for tips and strategies to secure your financial future. For more information, read this article from MoneyWeek.
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Pensions guide: the different types of pensions you need to know about
sprou.tt
Our pensions guide explains the different ways you can save for your retirement and when you can start withdrawing your pension moneyComment on Facebook
Looking to stretch your budget further? Which? checks the prices of hundreds of grocery items at eight major supermarkets throughout the year, using an independent price comparison website and has revealed that one supermarket stands out for its affordability. Find out which one it is by checking out the latest article.
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Cheapest supermarket named by Which? and it costs £67 less than rival
sprou.tt
Which? checks the prices of hundreds of grocery items at eight major supermarkets throughout the year, using an independent price comparison websiteComment on Facebook
The Department for Work and Pensions estimates that 760,000 pensioners who qualify for Pension Credit on top of your State Pension are not claiming it. Find out who is eligible in this article.
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Married pensioners could get extra DWP payment worth £4,300
sprou.tt
Here's how to check if you qualify for the additional supportComment on Facebook
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.
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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.
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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.
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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