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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

Check out our weekly market commentary No great shocks last week. Putin and Corbyn re-elect… 4 days ago)

Annuities are a guaranteed income for life. Don't write them off! @CanLifeInvsUK has just increased their rates.(posted 8 days ago)

Polly now has some new friends, although they are very small. See them on 11 days ago)

Mark Carney gets a bit of a spanking by Parliament - see our Weekly Market Commentary. 18 days ago)

We rarely stray into politics but ... is Trump serious about Putin? How can you compare him with Obama? Frankly this is scary rhetoric.(posted 22 days ago)

House prices have fallen by a little under 1% since June. Average price is now £213,390. Still a huge amount of money for many people.(posted 22 days ago)

Foreign goods are getting more expensive - so, buy more British! Here is our weekly market commentary. 25 days ago)

Give us a call to find out about friendly and effective business networking. 30 days ago)

Our market commentary for last week. EC wants £17bn in unpaid tax from Apple. Is that the image they really want? 31 days ago)

See our weekly market commentary - Will China's support for its manufacturing swamp us with goods near Christmas? 39 days ago)

# matthewhudson-smith. Just saw you on TV. You ARE good enough! You were in an Olympic final - that makes you the 8th best in the world. WOW(posted 42 days ago)

Apologies for being a bit late but here is our Commentary on Last Weeks Markets. 45 days ago)

Here is our latest weekly market commentary. Don't underestimate the effect of the weather - India needs rain badly. 53 days ago)

@ColchesterZoo is open late tonight (till 8:30). We're going along to hear the wolves howling - its a great place for a day out, evening too(posted 55 days ago)

Calling all athletes! @avivaplc has got brilliant Physio cover as part of its health insurance. Call us to discuss before the twinges set in(posted 56 days ago)

Inheritance tax receipts have reached record levels under the current system, as HMRC gathered £4.6bn during 2015/16. Call us for IHT advice(posted 57 days ago)

Just had a day's training on @OandMSystems. We now have a 'state of the art' pensions research system. Call us and benefit from it too.(posted 57 days ago)

Bank rate cut to 0.25%! Do you have more cash than you really need? You might think about investing some of it instead. Call us to discuss.(posted 57 days ago)

A Warren Buffet quote for the week - "Do not SAVE what is left after SPENDING but SPEND what is left after SAVING". No wonder he's rich.(posted 61 days ago)

159,000 people have flexibly taken £1.7bn from pensions since April Let's hope they use it wisely and don't run out of money before they die(posted 63 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.