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A refreshingly clear approach to your financial planning


Integrity is the essence of everything sucessful."

R. Buckminster Fuller

Independent Financial Advice - Colchester

From our office in Wivenhoe, Colchester, we provide clear understandable independent financial advice to private clients, businesses and trustees in Colchester and throughout Essex, Suffolk, Norfolk and East Anglia - and occasionally even further afield. Our first class, personal, financial planning service can provide you with advice on Investments, Pensions, Insurances and Mortgages and our clients span all age groups from those just starting out in life to others seeking Equity Release, Inheritance Tax or Long Term Care advice.

You are our focus

Whether you are seeking complex investment advice or just wish to discuss your life insurance, your needs and aspirations are at the centre of everything we do. You will always take centre stage.

"... the service you have provided us has been exceptional, not only in terms of the quality of advice you have given us, but also in the way that nothing has ever been too much trouble…"

Mr & Mrs H, Soham


Our Approach

We enjoy working with our clients and our approach is of course professional, but also relaxed. Our relationship with you will be underpinned by our clarity and integrity ... we do what we say we will, when we say we will.

Clarity in all things is our aim. That is why we have a glass sphere as our emblem.

When working with us you can expect the following three aspects to our relationship:

  • Advice:  Clear and Understandable

  • Service: Professional and Friendly

  • Fees:     Transparent and Fair

Whatever plans or aspirations you have, our services are helping people just like you to manage their day-to-day finances better, protect what they have and work towards achieving their dreams.

The next step

""We offer an initial discussion meeting at our expense and with no obligation at all. We will explain who we are and how our independent financial advice services work. We will then focus on your goals and priorities and explore how we might be able to help you. There is no clock ticking in the background at any of our meetings. You will have all the time you need to ask questions so that you can decide what is right for you.

Our meetings will normally be held in the comfort of your own home or office. This is part of our service commitment to you.

If you wish to continue, and engage our services, we will agree the fee for the work with you at that meeting.  If you decide not to proceed then we will politely leave you alone. If you do not want our help we still wish to leave you feeling that our meeting was of value.

Call us on 01206 823953 or This email address is being protected from spambots. You need JavaScript enabled to view it. to arrange a free introductory meeting


Scamproof your savings

Scammers are after your pension pot! They will try to lure you with promises of one-off investments, pension loans or upfront cash. Most of these are bogus.

Read more ...

10 Rules for Successful Investment

Successful long-term investment is not just about buying low and selling high - although that is always a good principle to bear in mind.

Read more ...

Pension Death Benefits

Clients hoping to leave a flexible legacy to family members from their pension need to check that they have everything in place to make that happen. Trying (your executors) to achieve this after your death may be impossible if you were stuck in a pension scheme which doesn't offer the new freedoms, or with an outdated death benefit nomination.

Read more ...

Twitter Feed

Polly is in her new apartment now! You should be able to tune back into tomorrow sometime. She loves it!(posted yesterday)

Watch out for scammers! Over 55's report an increase in cold calls from unregulated investment companies @Citywire . Always use a proper IFA(posted yesterday)

Brexit is once again the focus of our Weekly Market Commentary. Even Eurovision hasn't displaced it! 11 days ago)

@Nationwide - Upper age limit for mortgages has gone up to 85. This makes so much sense - provided affordability is there of course.(posted 17 days ago)

RT @FE_Global: Six investment themes more important than Brexit via @katjdenham at the @FTAdviser(posted 20 days ago)

RT @GPathVentures: Weather set to be good for our Volunteer Training this Sunday! Bring the sunblock guys. We're running didgeridoo & knife…(posted 20 days ago)

@Wtcccricket @wivenhoetown_fc @ThurlowNunn fantastic news and something for the under 12s to aspire to. Well done.(posted 20 days ago)

@wivenhoetown_fc @ThurlowNunn(posted 20 days ago)

Tesco sells mortgages - now Sainsburys is getting in on the act. Will we have low cost Aldi mortgages too? Where will it all end?(posted 22 days ago)

We are proud to sponsor the Lexden Arts Festival , for the second time. Lots of good events. Do try to come along.(posted 27 days ago)

Do insurers pay out? Of course they do! @avivaplc has announced they paid out 98.9% of protection claims last year. Protect your family now(posted 30 days ago)

@wivenhoetown_fc under 12s. A great win in arctic conditions! You really played as a connected team - well done!(posted 31 days ago)

Here's our latest market commentary - Great entertainment from Obama and Boris! 31 days ago)

Swindon Town FC has been fined £22,900 for workplace pension failures. Is yours in place? ... The Pensions Regulator doesn't accept excuses!(posted 35 days ago)

We wish Her Majesty a very happy birthday today. I only hope I am so spry and active at that age. Happy Birthday Ma'am.(posted 35 days ago)

@wivenhoetown_fc Under 12s. Don't worry boys - you can learn more from a defeat than a win. I'm sure you'll bounce back in style as always.(posted 38 days ago)

Here is our Weekly Market Commentary. Brexit and China seem to be regular topics! 38 days ago)

Corbyn misses pension income from tax return & Cameron's father had some offshore investments - so what? People in glass houses etc.!!(posted 43 days ago)

FCA says some banks confuse customer understanding and satisfaction. As IFAs however, we pride ourselves on our understandable advice.(posted 43 days ago)

Happy New Tax Year! Consider investing in your ISA at the start rather than the end of this tax year. More time in the tax free market.(posted 44 days ago)

  • Clear Understandable Advice
  • Professional and Friendly Service
  • Fair and Transparent

CII Code of Ethics                                     Privacy Policy

 © 2015 Arcaria Financial Solutions Ltd.

Arcaria Financial Solutions Ltd. is authorised and regulated by the Financial Conduct Authority
Registered office: Warden House, 37 Manor Road, Colchester, Essex, CO3 3LX
Company registered in England and Wales. Registered No. 8048391

Website by Footsteps Design



If you wish to register a complaint, please write to or telephone Arcaria Financial Solutions Limited, 14 Westlake Crescent, Wivenhoe, Colchester, CO7 9RZ.  Tel: 01206 823953

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4 567.