The most common and most likely answer to this crossword clue is the 11 letter word RESPECTABLE
I've seen this crossword clue in The Daily Telegraph
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More clues leading to the result RESPECTABLE
Buddy explains!

The straight part
We know that "Fairly well-to-do" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case fairly well-to-do = respectable.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does RESPECTABLE mean?
RESPECTABLE adjective- Deserving respect.
- Decent; satisfactory.
- Moderately well-to-do.