01206 823 953   |   This email address is being protected from spambots. You need JavaScript enabled to view it.

A refreshingly clear approach to your financial planning

About Arcaria

We all have many things that we treasure.

Most often our greatest treasures are the people we are close to, but we also have other treasures including, of course, our financial assets – and it is these which tend to provide our security, and underpin our dreams for the future.

At Arcaria we believe that you should be properly equipped to be your own Treasurer so our advice is aimed at helping you to understand your position and take control of it.

To create a future where our dreams can become reality we need to grow our wealth and protect our existing treasures – both the people we love and our financial assets. Arcaria Financial Solutions was formed to do just that by providing individuals, families and businesses with clear and understandable independent financial advice with totally transparent charging.

With Arcaria you will truly take centre stage

Director, Martyn Woodland BSc MBA DipPFS

martyn woodland directorAfter working in industry for many years in operational and financial management, Martyn was awarded a Master’s Degree in Business and Administration (MBA) with Distinction by the University of Essex in 1993. Since then he has enjoyed a successful career in financial services gaining a number of further qualifications including the Personal Finance Society Diploma in Financial Advice. Martyn holds a Statement of Professional Standing from the Chartered Insurance Institute, which is renewed annually, and ensures that the company strictly adheres to its code of ethics.

In addition to helping his own clients Martyn also gives seminars on a wide range of financial issues. He is passionate about providing workable and realistic solutions to help clients achieve their dreams and protect their future and has many long-standing clients as a result; but above all he has strong ethical principles concerning the fair treatment of clients – especially with regard to the transparency of charging for Arcaria’s services.

His main business aim is to have the name of Arcaria Financial Solutions Ltd. regarded as synonymous with integrity, fairness and a truly client-centred approach.


Investment Adviser, Stephen Horrey DipPFS

SJH IMG 4171 2 about usStephen is a very experienced investment and estate planning adviser. He voluntarily left his career in banking in 1991 to become a financial adviser, and still has many clients who "came on board" with him during the early years. He has been an independent adviser specialising in investments, pensions and estate planning since 2003 and, having worked with Martyn since 1996, was pleased to join him at Arcaria soon after the company was established.

Stephen gains much personal satisfaction from helping clients to define and then work towards their objectives and, whilst trying to reduce his working hours as opposed to increasing them, still enjoys meeting new people.

He also holds the PFS Diploma and a Statement of Professional Standing which he maintains through a programme of structured continual professional development to keep his technical knowledge, understanding of changing legislation and current thinking as regards investment markets up to date.

Stephen very much enjoys living on the Suffolk/Norfolk border, although his client base is predominantly in Suffolk, Essex and Hertfordshire. He shares Martyn's ethical principles and positively contributes to the corporate culture of clarity, transparency and fairness.


Investment Adviser, Ian Carruthers MBA Dip PFS

Ian Website

Ian has some 20 years experience of advising individuals and businesses. He enjoyed a successful 15 years working in the UK, Europe, the Far East, the Middle East, and South America for the HSBC banking group, achieving UK banking qualifications and gaining a rounded experience in commercial and personal banking before deciding to become an independent financial adviser specialising in investments, estate planning and pensions.

Ian holds the PFS Diploma in Financial Advice and, in addition, at the age of 36, he invested an entire year to study on a full-time basis for a Masters Degree in Business and Administration (MBA) at Cranfield University.

Ian, in concert with both Martyn and Stephen, maintains his Statement of Professional Standing through a programme of Continual Professional Development, including regular attendance at seminars, to ensure his professional knowledge remains up to date and to seek to understand how developments in investment markets and changes in legislation affect his clients.

Ian’s focus is in complete harmony with the overall ethos of the firm and our aim to help clients to live the life they want. He aims to understand each client’s needs, and then to make them wealthier by recommending financial solutions that match those needs, along with strategies to reduce taxation. His considerable background experience, technical qualifications and empathic approach work effectively together to convert his client’s aims into reality.

Ian lives in rural north Essex and his main client base is London and Essex, although he is happy to help clients farther afield depending on circumstances. Ian has a strong ‘moral compass’ and shares the ethical principles that underpin our corporate culture of clarity, transparency and integrity.

Contact us today to discuss how we might work together to protect, nurture and grow the things you treasure.

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


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

CII Code of Ethics                   Cookies                    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 www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.