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:
-
-
Wealth Management;
-
Retirement Planning;
-
Mortgages;
-
Annuities;
-
Personal Protection & Business Protection;
-
Private Medical Insurance;
-
Group Personal Pension Schemes.
-
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:
-
Short-term or long-term illness;
-
An accident;
-
A serious illness;
-
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:
-
A specific goal;
-
A rainy day fund;
-
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:
-
First time buyers;
-
Re-mortgages;
-
New homes;
-
Buy to let;
-
Capital raising for home improvements;
-
Second homes;
-
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:
-
Get ready for Retirement;
-
Understand how to best maximise your tax allowance;
-
Navigate the choices.
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
A Land Value Tax has been suggested as an alternative to the current dissatisfaction around stamp duty. Andy Burnham gave his first major speech on Monday as he prepares to enter No 10 and become the new prime minister.
His stance on property tax reform in particular is well-documented and, given time, Brits could see one of the biggest changes in generations across this area of their financial lives. Have a read of this interesting article from The Independent for more details.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Will Burnham cut stamp duty? Here’s what PM hopeful could change to property taxes
sprou.tt
A Land Value Tax has been suggested as an alternative to the current dissatisfaction around stamp dutyComment on Facebook
Could a new ISA help you get on the property ladder sooner? A new First Time Buyer ISA is being proposed to make saving for your first home simpler and more flexible. For more information, read this article from MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How new First Time Buyer ISA would work – would you ditch the Lifetime ISA?
sprou.tt
The government has revealed plans for its new Lifetime ISA-style product aimed solely at first-time buyers.Comment on Facebook
Trying to lower your tax bill but not sure where to start? You’re not alone - many people miss simple steps that could make a real difference. From understanding allowances to making the most of tax-efficient savings, knowing what to avoid is just as important as knowing what to do. For more information, read this article from Which?
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
4 mistakes to avoid when trying to lower your tax bill - Which?
sprou.tt
HMRC's income-tax revenue has risen 53% since thresholds were frozen in 2021Comment on Facebook
If you've been searching for a lost pension, you're not alone. It’s estimated that there are 3.3 million lost pension pots in the UK, worth a combined total of £31.1 billion. Learn about a new innovative tool that can assist you in locating your missing retirement savings. Find out more by reading this article from The Mirror.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
New way to find missing pension pots launches today - as millions left unclaimed
sprou.tt
It’s estimated that there are 3.3 million lost pension pots in the UK, worth a combined total of £31.1 billionComment on Facebook
With the school summer holidays fast approaching it can be a daunting time for parents, especially with rising costs. But families are expected to get cheaper access to theme parks, zoos and museums as well as kids' meals as a temporary VAT cut comes in to force today for the school summer holidays. Ticket prices at various attractions are among the activities where VAT will be reduced from 20% to 5% in what the government said would help with the cost of living. Have a read of this article from BBC News for all the details.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Price cuts on family summer days out come into force with VAT cut
sprou.tt
The government is reducing VAT from 20% to 5% on attractions and kids' meals as schools begin to break-up.Comment on Facebook
The Treasury has announced Isa reforms in regards to tax on savings in cash, and a new first-time buyer account to replace the Lifetime Isa. Rachael Griffin, tax and financial planning expert at Quilter, said the proposed first-time buyer Isa “marks a clear step towards creating a savings product that better reflects the realities facing aspiring homeowners, but there are issues still to be ironed out”.
Learn more in this article.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
HMRC announces 22% tax on cash interest held in stocks and shares Isas
sprou.tt
Treasury also promises a new first-time buyer Isa with no upper age limit, as the ‘age at which a first home is bought is rising’Comment on Facebook
Andy Burnham is widely considered a frontrunner to become the next prime minister following the resignation of Keir Starmer. But what would him stepping into the role mean for your finances? This article takes a closer look.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What Andy Burnham as prime minister might mean for your money
sprou.tt
The Makerfield by-election winner has spoken out on income tax, stamp duty and more – so what might change?Comment on Facebook