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.
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.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What rights is the government proposing for co-habiting couples?
sprou.tt
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.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
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
Thinking about your pension options? Thousands of retirees who rushed to withdraw tax-free cash from their pensions ahead of last year’s Budget now regret doing so, according to wealth managers, including Quilter. There were concerns prior to Reeves’ Budget that the 25% tax-free lump sum could be reduced or capped. Many providers saw a surge in people taking out their cash, although, no changes were announced. In this article from i News, Jon Greer, head of retirement policy at Quilter shares his comments. Learn from others' experiences and avoid potential regrets by understanding the implications of withdrawing tax-free pension cash. Check out this informative read.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Most retirees who withdrew tax-free pension cash regret it - what you can do now
sprou.tt
Prior to the Budget, a number of people took money from their retirement pot, worried about what could happen if the rules changed. But now they regret itComment on Facebook
Want to get the best value for your home in a slow market? The housing market is slowing to a halt, and finding a buyer is becoming increasingly difficult. Property website Zoopla found three in five homes listed for sale since January are still yet to find a buyer. While you can’t fix what’s happening in the wider economy, you can take action to make sure your home has the best chance possible of selling. Take a look at these valuable tips from The Sun on boosting the chances of selling your home.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Six easy ways to boost your house price and bag a sale in sluggish market
sprou.tt
HOME sellers got some unwelcome news today: the housing market is grinding to a halt, and finding a buyer is becoming increasingly difficult. Property website Zoopla found three in five homes liste…Comment on Facebook
Blended families can bring complications, whether around presents or planning holidays. But what happens when the stakes are higher? If you’re widowed or divorced and have found love again, the last thing you might want is to start thinking about the end. Yet imminent inheritance tax (IHT) rule changes coming in April 2027 mean more families may need to do exactly that. Have a read of this eye-opening article from Money Week to learn how to protect your assets and loved ones.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How can you avoid an IHT ‘minefield’ if you remarry?
sprou.tt
With pensions set to attract inheritance tax (IHT) from April, some families will need to plan carefully to avoid unintended disinheritanceComment on Facebook
According to Zoopla three in five homes listed for sale in January remain on the market. Find out more in this article.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Homes harder to sell as high mortgage rates frustrate buyers
sprou.tt
Three in five homes listed for sale since January remain on the market, says property portal Zoopla.Comment on Facebook