Patricia Howard Financial Planning


Patricia Howard Financial Planning


orking as a senior finance journalist for The Age newspaper taught me two important lessons.

Firstly, there will always be rogues in the financial planning industry. Individual planners who are happy to accept fees-for-no-service, through to directors of financial institutions who walk away untroubled, while trusting clients lose everything in failed financial products. There will always be a need to be cautious.

Secondly, everyone has a story. No matter who you are, rich or poor, young or old, everyone has an interesting life with their own dreams, hopes and ambitions. It’s simply a matter of taking the time and creating the right space to listen to people and learn about them.

These two lessons have shaped the financial planning advice I give clients and the planning practice I have created.

Few people run out of money in retirement. When they do, it’s usually avoidable. They may have taken financial risks that were wrong. They may have listened to bad advice, or loved ones have found a way to take advantage of them.

What I provide clients is down-to-earth, sensible financial advice that will ensure their precious retirement savings are invested in a way they understand as safely as possible while generating a reasonable level of income.

It’s a simple process of working through where you are now, what you hope to achieve in retirement and then putting together a comprehensive financial plan to help you do just that. I can easily work with you using Zoom or via simple telephone conversations and all information is stored and handled on-line. It’s a very simple process.

I also love getting to know my clients. In fact, this is the most rewarding part of being a financial planner. Sharing their hopes and dreams for the future and helping clients put together the financial foundations to let them live life to the full in retirement.

It’s what gets me out of bed every morning and happily go to work.

Importantly, you should know just how qualified your financial planner is. So yes, I have a Commerce Degree from the University of Melbourne and I’ve recently upgraded this with a Graduate Diploma in Financial Planning. I’ve successfully passed the Financial Adviser Exam and I own my own Australian Financial Services Licence.

All of this has helped provide the foundations to build a successful financial planning practice and enable me to write the simple, easy-to-read book, The No-Regrets Guide to Retirement, which will help every Australian plan a better retirement.

However, if you would like a more detailed conversation with me, I would love to hear from you and learn exactly what you want to achieve in retirement. If what you’re after is peace of mind in retirement, I know I can help you.

Patricia Howard,

Financial Planner, Journalist and Author

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AFSL Details

Patricia Howard

Senior financial planner and principal of

 Patricia Howard Financial Planning,

a boutique financial planning practice

and corporate authorized representative of

Howard-Osmond Financial Services

ABN 79 127 238 144

Australian Financial Services Licence Number


P.O. Box 2175, Rosebud, VIC. 3939

Tel: 0427 429 817

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