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A refreshingly clear approach to your financial planning

The Four Financial Spheres

We have identified four main financial areas, or financial spheres, which have to be in balance in order to best achieve your financial objectives. The balance between these spheres changes according to:

  • the objective itself,
  • the timeframe over which it is to be achieved and
  • where you are with respect to life’s journey.
  • Cash Reserves: A specific reserve of money for immediate needs to meet an emergency or take advantage of an opportunity. It is always cheaper to 'borrow' from yourself than from somewhere else! This is part of the money you use for daily living.
  • Interest-Earning Investments: Money invested where the main objective is interest, with an emphasis on stability of the original capital. This is the part of your portfolio best suited to shorter term aims and objectives where the capital growth will be reduced – but so will the investment risk.
  • Equity Investments: Equities are used to provide growth potential and also to hedge against inflation. However, they can fluctuate in value and are therefore best suited to your longer term aims and objectives. We carefully balance these to suit your individual attitude to investment risk and timescale.
  • Adequate Protection: This deals with the financial implications that could result from a premature death or a prolonged disability, where your potential to earn an income is threatened. This is money to replace the things you treasure and cannot afford to lose. We call this Adequate Protection because, whilst it is vitally important, there is no point spending more money on insurances than you need to.

Whether you are working or retired, a family or a business, your financial security and future plans depend on these four financial spheres of influence being balanced to suit your circumstances.

When constructing a personal money-management strategy for you we will strike the appropriate balance between these four areas – and clearly explain how they work together.

The balance of these four spheres will change over time, as you progress through life as well as in-line with the general economic environment. Our on-going services will keep you abreast of these changes in order to maximise your return.

Box 1 How we think about your money

Dealing with Change

""Change is everywhere. Our environment changes, the financial world changes, and your goals may well change too as time goes on. Our Investment and Wealth Management Services will help you to adapt to these changes and keep you on track through regular reviews and regular personal contact with your adviser.  

A fundamental philosophy of Arcaria is our commitment to superior service, and our client annual reviews maintain that tradition.

Dealing with Risk

""Investing is the only realistic way that most of us can make money grow. There are risks of course but our role is to help you to:

  • understand investment risk and the need for it
  • define your attitude to investment risk and,
  • determine your ability to tolerate possible losses.

Take a look at our Investment Philosophy or, better still, call us to discuss your needs.

  • 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.