Michael Hawthorne

//Michael Hawthorne
Michael Hawthorne2019-07-31T10:53:43+00:00

Project Description

FPFS, Chartered Financial Planner
Areas Covered: Nationwide

Cheshire based Mike, aims to bring the very best financial planning advice and service to his wide variety of clients – consultants, business owners, senior level employees and executives.

Mike is a Chartered Financial Planner and was amongst the first financial advisers in the UK to receive the qualification before the age of 30. The title Chartered Financial Planner is the most widely accepted “gold standard” qualification available for professional financial planners and advisers in the United Kingdom. Awarded by the Chartered Insurance Institute, the qualification promotes the highest standards of integrity, technical competence, and business capability.  He is also a Fellow of The Personal Finance Society.

Mike’s Experience

He first developed his financial knowledge at Abbey National, which then became Santander, and latterly at the Prudential, spending his last few years providing specialist advice and support to advisers and their clients on financial matters of greatest complexity. He joined True Bearing in July 2017 to provide truly independent and tailored solutions to his clients.

Mike operates predominantly in Cheshire and the surrounding counties but does have clients throughout the UK. Mike is committed to delivering exceptional service to his clients.  Mike believes strongly in having a financial plan and regularly reviewing the plan to ensure his clients can live the best life possible. His clients benefit from a good understanding of their financial affairs over the short, medium and long term which in turn, has allowed them to make fully informed decisions about their finances without fear and regret, including decisions about large purchases, early retirement and leaving a legacy. He describes himself as a lifestyle financial planner and spends a lot of time with his clients ensuring they live the life they want without fear of running out of money. His professional and can-do attitude has helped build long-term relationships with many of his clients.

In his spare time, Mike enjoys travel in the UK and afar, golf and fishing. He describes himself as ‘better with a calculator than a golf club’ but ‘enjoys the long walk with good company’.

For Advice:

Corporate Financial Planning
Retirement Planning/Options
Protecting Income
Shareholder Issues
Inheritance Tax
Life Assurance
Taxation Planning


Advanced Diploma in Financial Planning
Diploma in Financial Planning
Diploma in Insurance
Financial Planning Certificate
Certificate in Equity Release
Certificate in Life & Pensions

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

CF1 – UK Financial Services, Regulation and Ethics
CF2 – Investment and Risk
CF3 – Financial Protection
CF4 – Retirement Planning
CF5-   Integrated Financial Planning
CF8 – Long Term Care Insurance

ER1 – Equity Release

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

R01 – Regulation and Ethics
R02 – Investment Principles
R04 – Pensions and Retirement Planning
R08 – Pension Update Programme

“On Monday 8th July 2019, Michael Hawthorne came to see me at home to discuss my NHS pension. I cannot thank him enough for the help he gave. He was courteous, listened and completely made me feel respected. He didn’t blind me with numbers. He made my financial position on retirement very clear and gave me sound advice that allayed my worries and is already saving me money.

“There wasn’t any change needed to the plans which I have in place so I hope that I can at least repay him for his time by feedback. I would happily recommend him and already have to colleagues.”

J Mannion, Derby

“May I take this opportunity to thank your company and in particular your adviser Mike Hawthorne.

“Following the loss of my wife, I needed advice with my finances and pension. Mike acted in a truly professional manner with a calming, knowledgeable attitude, he patiently explained everything, taking time to ensure I understood all the best options available to match my needs. I now believe with Mike’s help I have a perfect product going forward.

“I would gladly recommend Mike to any person looking for good sensible advice.”

Mick Lawlor

“I found the meeting very helpful as Mike listened to what I was hoping to achieve with regards to a time plan for retirement and then in a methodical and impartial way set out the options available to me. It was very useful as he was able to point out things that I had been unaware of or had not considered and has consequently given me lots to think about. I found him to be well informed and professional throughout the meeting.”

Mary from Derby

“Huge thank you to Michael Hawthorne for his professionalism and his clear and calm explanations regarding my recent retirement. I first met with Mike in 2017 and explained my goal of retiring with an income that met my needs despite being below the state retirement age.  Mike has enabled me to take early retirement at 59, something I never thought possible. He listened to my concerns and delivered a retirement plan that suited my financial needs. I would have no hesitation in recommending Mike to anyone looking for retirement and investment advice.  He is thorough and professional and very knowledgeable about the finance industry.”

Maria Smith

“Having attended a pre-retirement course at work, and after hearing the presentation by Mike Hawthorne, I thought we should probably do some financial planning for retirement, not something we’d ever done before.

Mike, came along to our house and asked questions, listened to us and what we needed to be able to retire in a couple of years, he went away and came up with some proposals to make the most of our savings and tax benefits. We found the whole process straightforward and uncomplicated.  Mike explained everything very clearly, and we didn’t ever feel under pressure to do anything we weren’t comfortable with. It’s reassuring to know we will be in a good position for retiring and will have ongoing support if there are any changes in our circumstances.”

Anne Kember 

“I have dealt with Mike Hawthorne for nine years now.

Mike has helped by giving me organisation and direction.  He initially provided a well-researched plan and then systematically adjusted my pensions and investments to ensure they were in the right place to achieve my goals and has continued to do so each year.

Mike has helped me to truly understand my finances, and I now feel like I am in complete control.

I would recommend Mike’s services and that of True Bearing for financial planning, investments, and pensions.”

Derk Wardle

“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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