Strategic. Considered.
Built to last.

Howard Osmond Wealth "Northstar" brand asset, offering financial guidance, hope, direction, constancy, and purpose in cream.
Howard Osmond wealth Icon, depicting the H and the O and the Northstar in Gold.

Why we do
what we do

We've seen how anxiety about money robs people of enjoying their wealth. Too many Australians reach retirement with decent super balances but spend their golden years checking account balances instead of booking holidays.

That’s why our mission is simple: help Australians stop worrying about money and start living with confidence.

Three photographs of Senior financial planner and principal, Patricia Howard, at different ages, including a black and white portrait and two colour portraits in modern settings.

Our story

Howard Osmond Wealth was born from 45 years of hard-won wisdom in Australian finance. Patricia started as a finance journalist for The Australian, Financial Review, and The Age - back when financial planning was just beginning in Australia. She was the go-to person for translating complex economic news into advice people could actually use.

What started as an accounting practice on the Mornington Peninsula evolved into Patricia Howard Financial Planning and now Howard Osmond Wealth - a family-owned financial planning business built on the simple belief that money is a tool to fuel a fulfilling life.

This approach has built something remarkable - a practice where clients refer their children, siblings, and closest friends. We manage multiple generations of the same families because trust, once earned, gets passed down.

Meet the Team

  • JAZZ

    CLIENT SERVICES ADMINISTRATOR

    MEET JAZZ
  • Young woman with long black hair, smiling, sitting in an office environment, wearing a beige blazer over a black and white striped shirt.

    ROSE

    CLIENT SERVICES ADMINISTRATOR

    MEET ROSE
Senior financial planner and principal, Patricia Howard in a blue blazer, smiling with arms crossed. Charles Osmond stands beside her in a dark suit. They are in a hallway with a potted plant behind them, with framed mirrors and ceiling lights.

Brilliantly simple

We don’t chase fads or headlines. In fact, we often joke that we’re the most boring advisers in Australia — and we wear that as a badge of honour. Because boring means strategic. Considered. Built to last. We’ve guided clients through every market cycle, every rule change, and every panic in the press.

What makes us different is not a flashy strategy, it’s our steadiness. We’ve seen it all before, and we know what works. We focus on clarity, confidence, and building wealth that quietly supports the life you want, without fuss.

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