Our Approach: The Steady Path Framework.
We keep things clear, steady, and strategic. No jargon. No flashy shortcuts. Just a proven process that’s helped hundreds of Australians move from money worries to financial confidence.
We call it the Steady Hand Framework — because when it comes to your money, you want a safe pair of hands guiding every step…
The Steady Path Framework
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60-minute consultation - $495
A one-hour conversation where we look at your situation and answer your most pressing questions. You’ll walk away with clear direction and practical next steps with general advice that is specific to you
If you do become a client, we'll deduct this fee from your financial plan cost.
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Letter of engagement
We'll outline exactly what we'll do for you, how long it will take, and what it will cost. Everything is transparent from the start so you can make an informed decision about moving forward.
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Statement of Advice
We present you with your Statement of Advice — your personalised plan that covers super, investments, property, retirement income, and more. Every recommendation is explained in plain English so you know what we’re suggesting and why.
$4,400 for Statement of Advice
($3905 + GST with the clarity consultation fee applied) -
Implementation
This is where plans become reality. We handle all the paperwork, coordinate with super funds and investment platforms, and deal with the technical details. You don't need to become a financial expert - that's our job.
We keep you informed at every step without drowning you in details. When something needs your attention or signature, we'll explain exactly what it is and why it matters.
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Ongoing support & reviews
Life changes. Markets move. Rules get updated. We stay on top of it all so you don't have to.
Regular reviews ensure your plan stays on track, but we're also here for the unexpected moments.
You'll have direct access to us, not a call centre. When you have a financial question, we're your first call.
What's included:
Annual strategy reviews
Ongoing portfolio management
Market update communications
Direct access for questions
Proactive contact when rules change
Coordination with your accountant and other professionals
Annual fee: From $3,600 (minimum $300 per month)
Financial planning fees can be paid direct or via your superannuation fund
What to expect from Howard Osmond Wealth
Boring advice that builds wealth
No hype. Just proven approaches that quietly build wealth.
Straight talk
We’ll always tell you the truth, even when it’s not what you hoped to hear.
Clarity, not jargon
We explain everything in plain English. If it’s complicated, we’ll make it simple.
A steady hand
We’ve guided clients through every market cycle, rule change, and panic headline. Many of our clients have been with us for decades.
What we're definitely not
Not gamblers
We don’t chase hot tips or the latest fad. That’s not how you build lasting wealth.
Not fair-weather advisers
When markets wobble or life gets messy, we don’t disappear. That’s when we matter most.
Not intimidating
Money is personal. We’ll never make you feel silly for asking questions.
Not one-size-fits-all
Your plan should match your life, not your neighbour’s.
