Howard-Osmond Financial Services Pty Ltd trading as Howard Osmond Wealth, ABN 79 127 238 144, is the holder of Australian Financial Services Licence number 412820. General Advice Warning: Any advice on this site is general advice only and does not take into account the objectives, financial situation or needs of any particular person. It does not represent legal, tax, or personal advice and should not be relied on as such. You should obtain financial advice relevant to your circumstances before making any decisions.