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A refreshingly clear approach to your financial planning

Pensions and Retirement Planning

Retirement is the time we have to become ‘financially independent’ because, for most of us, our earned income will have ceased and we will be living mainly on our pension. We enjoy providing our clients with the independent pension advice they need to work towards planned financial independence.

The Arcaria definition of financial independence is: …

“that time when you have sufficient assets to make work optional with no change to your lifestyle”.

Creating and maintaining financial independence takes thoughtful planning. With our independent financial advice you can be assured that both your present and future needs will be carefully balanced.

"...I am delighted with the service and advice I have received. The adviser really listened to what I wanted from a review of my pension provision and has provided a report that meets these expectations perfectly …"

Miss A, Chelmsford


Pension planning naturally falls into three distinct segments depending on where you are in your pension journey. These are

Our Independent Pension Advice services will guide you through these stages to help you make true financial independence a reality. However, retirement planning is not just limited to pensions. Pension advice and Investment advice both work best when they work together. Whether you are just starting out in life or are about to retire we can guide you through the maze of choices that are before you.

We will enjoy helping you to work towards your financial independence and our on-going services will help to keep you on track.

The earlier you start the greater the benefits. Remember that …
“Procrastination is the Thief of Dreams"

Call us on 01206 823953 or This email address is being protected from spambots. You need JavaScript enabled to view it. to arrange an initial discussion

The Road to Retirement

""There are three distinct stages we all go through in our retirement planning.

On average when people retire it means their income will fall.

You don't have to accept second best.

Call us - we can help wherever you are on this road.

The Right Vehicle

""There is more than one investment vehicle available for retirement planning.

Pensions usually underpin retirement planning because of their tax advantages. But ...

  • should you save with a traditional pension company or should you use a platform?
  • could you use you ISA allowance?
  • is offshore investing a good idea?

and how do you pull it all together when you actually retire?

Call us - we can help you find the right vehicle at the right time.

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

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 © 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

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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.