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 Limited & Quilter Mortgage Planning Limited (17/01/2024).
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 latest trends in the housing market? The housing market is set to slow after the biggest price rise for two years. The value of a typical home hit £269,000 in January, up 4.9 per cent on a year earlier, according to the Office for National Statistics. Check out this article from the Daily Mail discussing the significant price rise that's on the horizon.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Housing market set to slow after biggest price rise for two years
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The value of a typical home hit £269,000 in January, up 4.9% on a year earlier, according to the Office for National Statistics.Comment on Facebook
Yesterday Rachael Reeves announced her spring statement speech in the House of Commons. The Chancellor used her speech to reaffirm the government's promise not to raise personal taxes, and also provided more details about planned benefits reforms. A possible shake-up of the ISA system was also hinted at. In this article, Which? takes a closer look at what was included in the spring statement, and how the announcements could affect your finances.
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5 things we learned from the Spring Statement - Which?
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No personal tax increases, a squeeze on benefits, and hints of a future Isa shake-up were among the key announcementsComment on Facebook
Planning for the future means safeguarding your income today. The only certain thing about life is how uncertain it can be. Right now, financial stability is more important than ever, and we should take advantage of every opportunity we have to ensure we are protected against challenging times. One way we can ease our minds about life’s uncertainties is income protection insurance. Have a read of this feature for more insights.
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Battling Times Of Uncertainty With Income Protection Insurance - Deadline News
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The only certain thing about life is how uncertain it can be. Right now, financial stability is more important than ever, and we should take advantage of every opportunity we have to ensure we are pro...Comment on Facebook
Want to understand the ins and outs of lifetime mortgages? Lifetime mortgages are by far the most popular type of equity release plan. They are loans secured against your home that are repaid when you die or move into care and can be useful if you need extra funds in retirement. Get expert insights and guidance on this financial tool in this informative article from The Times Money Mentor.
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What is a lifetime mortgage? - Times Money Mentor
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Free to read: Lifetime mortgages are the most popular type of equity release plan. We explain how they work - and their pros and cons.Comment on Facebook
Explore the potential impact of a wealth tax proposed by Labour in our latest article. How could this affect your financial plans?
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Could Labour introduce a 2% wealth tax?
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As the chancellor puts the final touches to next week’s Spring Statement, there are growing calls for a 2% wealth tax to be introduced. Campaigners say it would tackle economic inequality and raise ...Comment on Facebook
Take control of your financial future by understanding where your pension funds are invested. Find out more in this informative article.
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Do you know where your pension is invested? - Which? News
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63% don't know if their pension savings support UK businessesComment on Facebook
Websites such as Vinted, eBay and Airbnb now tell HMRC how much their customers are making – but does that mean you need to fill in a self-assessment tax return on your side hustle? Stay on top of your tax responsibilities with this helpful guide. The Times takes a look into how it all works and whether you have to pay tax.
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'How much can I earn on my side hustle before paying tax?'
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Free to read. Websites such as Vinted have started sharing seller details with HMRC. We explain when you need to start paying tax on your side hustleComment on Facebook
Don't let misinformation impact your savings strategy. From switching issues to poor rates, Which? dispels common misconceptions about the popular tax-free savings accounts Check out this article to debunk 7 common ISA myths.
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7 of the biggest Isa myths debunked - Which? News
sprou.tt
From switching issues to poor rates, we dispel common misconceptions about the popular tax-free savings accountsComment on Facebook
Chancellor Rachel Reeves will deliver her Spring Statement on 26 March and there are plenty of rumours about what could be announced. These include reducing the cash ISA allowance, cutting government spending, increasing taxes and changes to pensions. Have a read of this article from Money Week, that delves into what we might see next week.
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Spring Statement: what could Rachel Reeves say about pensions?
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The chancellor will deliver her Spring Statement on 26 March. We look at whether there will be any announcements on pensions that could affect savers or retireesComment on Facebook