Your wealth working quietly, leaving you free to live fully.

Super strategies. Investment decisions. Retirement planning.

BOOK APPOINTMENT

Howard Osmond wealth Icon, depicting the H and the O and the Northstar in Gold.

The clarity and confidence to say yes to what you want.

Life moves fast between work, family, and everything else you do.

But a little voice in your head keeps running the numbers: "Will I have enough?” or “Am I making the right decisions?”

Let's turn those questions into clear answers.

GET CLARITY

Know exactly where your finances stand today and what's possible.

Stylized drawing of a human eye with a gold iris and eyelashes on a black background.

GAIN CONFIDENCE

Make life decisions from a position of financial strength.

Shield with a checkmark symbol in the center

FEEL SECURE

Enjoy freedom from constant financial worry.

Four gold-colored picture frames arranged in a circle.

BOOK APPOINTMENT

A woman and a man stand back-to-back in a luxurious hallway with arms crossed. Senior financial planner and principal, Patricia Howard in a blue blazer and Charles Osmond with short, dark hair and is wearing a dark navy suit with a white shirt.

We keep it simple so your life can be exciting.

We often joke that we're probably the most boring advisers in Australia. And honestly, we wear that as a badge of honour.

Because when it comes to your money, “boring” means tried, tested, and focused on what works. It means no gambling on headlines, no chasing fads, and no sleepless nights wondering what’s next.

At Howard Osmond Wealth, we bring four decades of hard-won wisdom to every decision. We’ve guided clients through every market cycle, rule change, and economic headline—and we know what it takes to stay the course.

Our philosophy is simple: keep it clear, keep it steady, and keep it focused on your real life - so your wealth works quietly, leaving you free to live fully.

About us

We're here for life's biggest financial moments.

A young man in a blue checkered shirt, tie, and khaki pants talking on his cellphone outdoors on a sunny day, with trees, a brick building, and Melbourne stairs in the background.

ACCESSING SUPER FOR YOUR FIRST HOME

The rules are complex but the opportunity is real. We help you understand exactly how much you can access and create a strategy that gets you into your own home without jeopardising your retirement.

Grandparents and a young girl gardening in their Melbourne backyard, with plants and gardening tools.

MANAGING AN INHERITANCE

Suddenly having a significant sum brings big decisions. Where should it go? How do you make it work alongside your existing plans? We help you integrate your inheritance into a thoughtful wealth strategy.

Two retired people cycling on a dirt trail through grassy landscape, one wearing a straw hat and striped shirt, the other in a black shirt, both smiling and enjoying a sunny day.

PREPARING FOR RETIREMENT

Five to ten years out, the questions multiply. How much is enough? When can I actually stop working? Should we sell assets or keep them? We create clarity around your retirement timeline and income needs.

A family of four walking down a gravel path in a park during autumn. The grandparents are holding hands with their grandchildren, smiling and enjoying the fall scenery with trees with orange and green leaves in the background.

MANAGING RETIREMENT INCOME

You've made it to retirement but the questions haven't stopped. "Will my money last?" "How much can I spend each month?" We help you create reliable income strategies so you stop worrying about every market movement and change in government rules.