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Microsoft 365 delivers Office apps and services through a cloud subscription. It offers Word, Excel, PowerPoint, Outlook, and Teams along with regular updates. Microsoft 365 accommodates real-time collaboration, file sharing, and OneDrive storage. It enables use on PCs, Macs, tablets, and smartphones. Noted for its flexible and integrated productivity solutions.

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“We were very fortunate in being introduced to Richard Hawkings over 7 years ago and he became our financial advisor. He has demonstrated sound and conservative financial ability, makes regular visits to see us and is readily available by telephone. There have been times when some decisions have needed immediate attention and the advice we have received has been invaluable. His knowledge of the financial marketplace has resulted in establishing a broad based portfolio for us. We do recommend his services without hesitation.”

Tony & Alison Perry

“Richard Hawkings has been my independent financial adviser for the last 10 years. From my experience and dealings with Richard, I can testify that his advice and the service he provides is exceptional. Whether it be mortgages or ISAs, Pensions or Sickness benefit, the advice he provides is not only independent but, over the years, proven to be well judged and only ever with the interest of the client at the core. Richard’s trustworthiness and sound advice are just two of the reasons why I would have no hesitation in recommending him to anyone seeking sound and independent financial advice.”

Mr M Cheung

“Richard has been providing me with sound financial advice and information for the past 7 years, particularly in the areas of pensions and mortgages. He has helped me prepare for my future while enabling me to live now – despite my ever-changing financial circumstances. I have found him to be helpful, personal and prompt and I trust his advice. He has helped me greatly and alleviated the anxiety I feel about financial matters, for which I am very grateful. I would (and have) recommended him to everyone.”

Ms J Dance

“From company pensions and life insurance to property portfolios and mortgage guidance, Richard Hawkings has provided me with more than a decade of friendly, professional and exemplary financial advice.”

Mr J Miller