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.
How much stamp duty could homebuyers pay depending on where they live? This article from MoneyWeek looks at average stamp duty costs across different regions of England and highlights how property prices can affect the amount buyers pay. Read this article for more information. ... See MoreSee Less
Average stamp duty by region: How much will you pay?
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Most people buying their next home will have to pay stamp duty. But how much you need to fork out varies, and where you are in the country can have an impact.Comment on Facebook
Nationwide says a free online tool has identified £115 million in additional annual financial support for households since it launched last year. The Better Off Indicator helps people discover benefits and other financial support they may be entitled to but are not currently claiming. Read the full article. ... See MoreSee Less
Nationwide identifies £115m in extra support for households missing out on benefits
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Nationwide says its Better Off Indicator has identified £115m in potential annual financial support for households since launching in 2025.Comment on Facebook
Are workplace pension rules set to change? The DWP has provided an update on plans that could extend automatic pension enrolment to more workers and alter contribution requirements. For more information, read this article from Mirror. ... See MoreSee Less
DWP issues statement over major change to pensions policy
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According to research an increasing number of property hunters are searching for a “forever home” with more than a third of recent first-time buyers stating their intention to buy a property they’d live in for at least 10 years. In this helpful article from the Telegraph, find out the most common mistakes when buying a forever home and how to avoid them. ... See MoreSee Less
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For many people in their 30s and early 40s, life can feel like a constant balancing act – managing a mortgage, building a career, raising a family and trying to keep up with day to day costs. With so much focus on the here and now, thinking about long-term protection can easily fall down the priority list which could leave many financially exposed to unexpected events. Have a read of this eye-opening article from The Herald to learn about the importance of protection. ... See MoreSee Less
Life insurance and income protection: What millennials need to know
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Many millennials are juggling mortgages, careers and family costs. Here’s why life insurance and income protection could provide a vital financial…Comment on Facebook
Families can be hit with unexpected inheritance tax bills years after an estate is settled with pensions having been flagged as particularly tricky to track down if this is the case.
Adam Cole, of wealth manager Quilter, said: "This is another reminder of the value of keeping clear records of pension arrangements and, where appropriate, consolidating pots during retirement planning to make them easier for families to identify and administer."
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Families face surprise inheritance tax bills years after estates settled
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‘Practical flaws’ in pensions raid could lead to family disputes and administrative delays, experts warnComment on Facebook
There are a lot of things to take into consideration for someone thinking about gifting their property including inheritance tax rules.
Tax and financial planning expert at Quilter, Shaun Moore, explains: “If you gift a property but still benefit from living there, HMRC will treat it as a 'gift with reservation of benefit'. This means the property would still be counted as part of your estate for inheritance tax purposes.”
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Should I give my property to my grandchildren before I die?
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Grandparents keen to help grandchildren onto the property ladder may consider gifting their own home before death. Here are inheritance tax rules to consider.Comment on Facebook
July saw the slowest annual growth on house prices since 2023. Karen Noye, mortgage expert at Quilter, said: “During the summer months many households swap house hunting for holidays, naturally softening activity levels and taking some momentum out of price growth.” ... See MoreSee Less
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More people are living to 100 — is your pension ready? There's no knowing exactly how long your retirement will last, making it hard to plan your finances. New statistics show that more people are living to the age of 100 which could mean you'll need to live off your pension savings for several decades. As the average retirement period increases, so too does the risk of running out of money later in life. Here, Which? explains how you can make your retirement savings go the distance. ... See MoreSee Less
More people are living to 100: will your pension savings last? - Which?
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Living for longer may mean your retirement pot needs to work harderComment on Facebook