Ergowealth

Independent Financial Adviser Ergowealth Ltd, Unit 1, Derwent House, Dedmere Road, Buckinghamshire, Marlow, SL7 1PG

First meeting at adviser's own cost

Response rating

10/10

10th December 2018

We’re a Chartered firm of Independent Financial Planners, working with private clients, business owners, professionals and trustees across Buckinghamshire.

We can advise you on

Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Financial planning
- Wealth management
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
Long term care
- Long term care
Mortgages
- Bad credit
- Buy to let
- Commercial for individuals
- Equity release
- First time buyers
- Flexible
- High loan to value
- Home reversion
- Overseas
- Remortgage
- Residential
- Right to buy
- Self build
- Self employed
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning

Meet our advisers

Nick Hutchings

Financial Planner

Qualifications & Accreditations Hide qualifications

J02 - Trusts (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

AF1 - Personal Tax and Trust Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

AF3 - Pension Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

AF4 - Investment Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

J05 - Pension Income Options (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

R01 - Financial Services, Regulation and Ethics (CII)

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

R02 - Investment Principles (CII)

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

R03 - Personal Taxation (CII)

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

R04 - Pensions and Retirement Planning (CII)

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

R05 - Financial Protection (CII)

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

R08 - Pensions Update Programme

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

CF8 - Certificate in Long-Term Care Insurance (CII)

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

ER1 - Equity Release (CII)

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

CeMAP - Certificate in Mortgage Advice and Practice (LIBF)

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

CF2 - Investment and Risk (CII)

This examination assesses a knowledge and understanding of investment products and the risks involved.

Dip PFS - Personal Finance Society Diploma (PFS)

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

What our clients say

Fifteen years ago, we faced a large Inheritance Tax bill since our parents had done little financial planning. We did not want to make the same mistake and, although we were reasonably financially aware, we needed professional help. The Ergowealth team helped us to organise our affairs by setting up Trusts, investing in a ‘care’ policy for our later lives and by setting up insurance policies that will help with any future Inheritance Tax bills. We now maximise our financial position with a minimum of worries, enabling us to enjoy our retirement to the full whilst also assisting in developing our grandchildren. We are delighted with the job they have done for us - and are very pleased to endorse Ergowealth.

Mr and Mrs W, Frimley Green

After a very messy divorce, I needed some honest advice about how to invest a substantial amount of money for me and my family’s future. Ergowealth guided me through the process in a calm and knowledgeable manner. I feel very safe in their hands and know that they will do what is right with my money in order that our future will be bright.

Mrs P, Christchurch

I needed financial advice after my husband died. We would have needed advice about pensions when he retired but that was some years away. I found Ergowealth through the FCA, and met Nick, one of their advisers. He comprehensively assessed my financial position and took a lot of time and trouble to find out what was important to me for the future. I knew very little about finance but Nick takes the time to explain the options and I’m learning. I feel confident in his knowledge and experience, and that he gives the best advice in the light of what I tell him. There’s no way I could have known the best way to manage my money without his help, and I feel as financially secure as anyone can in an unpredictable world.

Miriam, Buckinghamshire

I have been very happy with the help I have received from Ergowealth, in particular, Nick Hutchings. I needed help with my various pensions and what I should do with them and how I could set up a new pension moving forwards as I have been self-employed for a number of years. I am not a 'finance' person and Nick gave me the appropriate advice and guidance as I requested. He also helped me set up Income Protection cover which I didn't think would be possible. I now feel very comfortable with the steps taken for my current financial needs. Nick has been very professional and easy to deal with. Ergowealth has a friendly office atmosphere and everyone I have spoken with has been very professional. I have no hesitation in recommending Ergowealth.

Gill, Buckinghamshire

Where to find us

Ergowealth Ltd, Unit 1, Derwent House, Dedmere Road, Buckinghamshire, Marlow, SL7 1PG

About us

We’re a Chartered firm of Independent Financial Planners working with people across Buckinghamshire and further afield.

Ergowealth was founded in 2014 by a group of financial professionals with a common vision: to provide a truly integrated financial planning service, working to the highest professional standards, to deliver the best possible outcomes for our clients.

Over the years, we have developed a specialism in working with the following types of people:

• People who are planning for retirement. We’ll help you plan for your desired retirement lifestyle and assess your current pension provision.

• People who are retiring now. We’ll help you gain clarity on your financial position and ensure you can live the lifestyle you want throughout retirement.

• People who are already retired. We’ll help you fulfil your retirement aspirations, ensure your finances are sustainable and enable you to leave a financial legacy for your family.

• Business owners. We’ll ensure the financial side of your business complements your personal finances, then help you plan for your future exit and retirement.

• Professional advisers. We’ll provide bespoke financial solutions that address the needs and challenges of both your employees and your clients.

Our services

There are many things which separate us from other firms, including:

• We are Chartered. We’re proud to be a Chartered firm of Financial Planners, as awarded by the Chartered Insurance Institute (CII). Chartered status positions our firm amongst the UK’s leading practices.

• We are independent. Our independent status means we can recommend products and providers from the entire market. This gives our clients access to the widest possible range of financial solutions.

• We are experts. Our Financial Planners are experienced, qualified professionals, each of which is supported by a dedicated Technical Analyst and an Administrator.

Compliance

Ergowealth Ltd is an appointed representative of Sanlam Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Company registered in England number 08302405. Registered office: Derwent House, Dedmere Road, Marlow, Buckinghamshire, SL7 1PG.

We can advise you on

Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Financial planning
- Wealth management
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
Long term care
- Long term care
Mortgages
- Bad credit
- Buy to let
- Commercial for individuals
- Equity release
- First time buyers
- Flexible
- High loan to value
- Home reversion
- Overseas
- Remortgage
- Residential
- Right to buy
- Self build
- Self employed
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning

Advice methods

Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£100,000

Minimum pension value

£100,000

Compliance

Contact options

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