Michael Hawthorne

//Michael Hawthorne
Michael Hawthorne 2018-03-20T11:10:29+00:00

Project Description

FPFS, Chartered Financial Planner
Areas Covered: Lancashire and Cheshire

Michael advises across a broad range of areas including pension and retirement planning, investments, inheritance tax and helping company directors with the many opportunities which are present.

Michael has built up a vast financial knowledge and experience since 2001 with both Santander and more recently Prudential.

Michael takes immense pride in his work. He strongly believes that money should offer people freedom, lifestyle, and peace of mind and should not be something which causes worry. In order to do this he builds trusting long term relationships with his clients. This allows him to implement bespoke financial plans tailored to their individual circumstances and needs.

Importantly, the financial services industry is incredibly complex, always changing and often communicates in jargon. Michael believes his job is to truly understand his clients’ goals, help them create a plan for these to be achieved, communicate in plain English and keep the plan on track.

He joined True Bearing in 2017. He was delighted to be offered the opportunity to work for the firm after meeting them and seeing that they share the same values. Like True Bearing, he truly believes in putting clients at the heart of everything he does. In his past work experiences he has been tied to a single or restricted number of product providers, meaning he was unable to fully meet the needs of his clients in all circumstances. Working for True Bearing, who are totally independent, means he now has no ties to any investment firm, insurance company, mortgage provider or bank. This enables him to deliver unbiased and objective based recommendations to his clients.

Michael is a Chartered Financial Planner and a Fellow of the Personal Finance Society.  These titles are the most widely accepted ‘gold standard’ qualification available for professional financial planners in the UK. The qualification promotes the highest standards of integrity, technical competence and business capability.

Outside of work, Michael loves the outdoors. Golf and angling are his favourite sports; he says there is nothing better than being sat next to the water for a few hours taking in all that Mother Nature has to offer!

He also enjoys travel both in the UK and abroad. New Zealand is his favourite place to date, but he is looking forward to trying to find somewhere that is even better!

For Advice:

Corporate Financial Planning
Retirement Planning/Options
Protecting Income
Shareholder Issues

Inheritance Tax
Life Assurance


Advanced Diploma

AF1 – Personal Tax and Trust Planning
AF3 – Pension Planning
AF4 – Investment Planning
AF5 – Financial Planning Process


J01 – Personal Tax
J02 – Trusts
J10 – Discretionary Investment Management

R01 – Financial Services, Regulation

R02 – Investment Planning
R04 – Pensions
R08 – Pensions update


CF1 – UK financial services, registration and ethics
CF2 – Investment and Risk
CF3 – Financial Protection
CF4 – Retirement Planning
CF5- Integrated Financial Planning
CF8 – Certificate in Long Term Care
ER1 – Equity Release

“From my initial enquiry and contact with  True Bearing, namely Michael Hawthorne (Mike), I was treated with courtesy and respect.

I found my initial meeting with Mike, informative and professional, and I felt immediately that I was in safe hands. I am far from a large client or investor, but this did not effect the service and advice I was given.

It was made clear to me at the beginning of the process what I could expect, and what was expected of me. I would have no hesitation in recommending Mike to any potential client, that is looking for a first class service.”

Gary Connolly

“We gave Mike a challenging target for our retirement plan, which he has worked to deliver in the most tax efficient way possible.

He calmly, and clearly explains everything that requires consideration and action, and has regularly reviewed and presented his updates to us in a clear and helpful manner. He is clearly highly knowledgeable and has a high level of expertise coupled with high standards and expectations.  He inspires confidence in his proposals, it has been a pleasure to have Mike work on our plans.

I have no hesitation in recommending Mike for retirement planning.”

Stewart Kirk

Michael Hawthorne
Michael HawthorneChartered Financial Planner
Office: 01257 260011
Mobile: 07720 636581
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