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.
With this months state pension increase some claiming it might find themselves now being above the income tax threshold. Make sure to check your finances to see if you're affected. This article explains more.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
State pension rise could push thousands into paying tax for first time
sprou.tt
Millions of pensioners have just received a boost to their state pension — but experts warn the increase could tip some into paying tax for the first time, quietly reducing the benefitComment on Facebook
What is happening to energy bills and what is the current price cap? Learn more about what to expect from your bills in this article.
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Energy bills: What is happening to gas and electricity prices?
sprou.tt
Typical household bills fell by 7% when the new energy cap took effect on 1 April 2026.Comment on Facebook
Are you up to date with HM Revenue and Customs latest recommendations? HMRC has reminded Britons that a fresh system for self-employed individuals is now in place. Called Making Tax Digital for Income Tax, this modification applies to self-employed workers and landlords earning above £50,000 per year. They will need to submit online updates quarterly rather than compiling everything at tax return time. Have a read of this article for The Mirror for the details.
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HMRC tells people to 'check' ahead of August 7 tax deadline
sprou.tt
HMRC has reminded certain people that a new system is now in placeComment on Facebook
Traveling soon? Make sure you're covered! Insurance experts are urging Brits to check they have appropriate travel cover in place after it was announced that Europe could soon run low on jet fuel. It has been warned that flight cancellations could begin soon if oil supplies remain blocked by the Iran war. Learn why in this article from The Herald.
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Travel insurance expert urges Brits to 'buy cover now' amid Europe fuel shortage
sprou.tt
Insurance experts are urging Brits to check they have appropriate travel cover in place.Comment on Facebook
Empowering your children with financial knowledge is crucial for their future success. The financial demands of parenthood often intensify significantly as children mature, transforming the parental role from primary caregiver to, increasingly, the "bank of mum and dad". Discover practical advice on teaching kids about money without bankrupting yourself in this informative article by The Independent.
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Experts explain how to help your adult children with money without going broke
sprou.tt
Experts on how to help your children with big expenses - without bankrupting yourselfComment on Facebook
Investing can be intimidating, but understanding the common reasons why people hold back is the first step to overcoming those fears. Britain is a nation of savers but many still shy away from investing, despite the potential for better long-term returns. The Daily Mail's This is Money looks at some of these worries, and asks if they stack up. Learn more in this eye-opening article.
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This is why people say they don't invest
sprou.tt
Britain is a nation of savers - but many still shy away from investing, despite the potential for better long-term returns.Comment on Facebook
Due to the two bank holidays coming up in May some state pension payments, as well as other benefits, may change. Find out if you're affected.
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State pension payment dates change in May - 2 new dates
sprou.tt
Important to know if you receive the state pension or other benefitsComment on Facebook
Scammers are looking to target runners hoping for a last minute place to take place in the London Marathon on Sunday. Find out how the scam works in this article.
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‘London Marathon place for sale’: fraudsters chase after runners’ cash
sprou.tt
As excitement mounts for the 2026 event on 26 April fraudsters are cashing in by trying to persuade disappointed hopefuls they can run after allComment on Facebook
The latest data from Rightmove suggests that the average house price went up by almost £3,000 month on month in April. Find out how the average asking price has changed across Britain in this article.
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Average price tag on a home jumps by nearly £3,000 in April – Rightmove
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House price growth is proving strongest in parts of the market less exposed to higher borrowing costs, Rightmove saidComment on Facebook