I had the honour of awarding Howard his MFAA Certified Mentor qualification last month. Howard was an outstanding participant in this rigorous, intensive course and will make an outstanding Mentor of new talent to our industry. Howard is unique in that he combined Accounting, Financial Planning, Taxation, Cashflow, Commercial and Residential Mortgage Broking Skills. He is also an astute and successful business owner in his own right. And no-one can match Howard’s passion and enthusiasm for what he does.

Therese O’Neill,
 Principal Mentor, Alphabroker Mentoring.  April 16, 2012

Howard it is a joy to have you on board as a MFAA Certified Mentor. Your passion and optimism is a breath of fresh air. With your successful background anyone would be blessed to be mentored by you. Your approach to business will assist new to industry entrants grow their mortgage businesses. I highly recommend you.


Karen Hambleton-O’GradyProprietor, Simply Mentoring.  April 17, 2012

In my role as Professional Standards Manager at Patron Financial Advice, I had many dealings with Howard. In assessing his compliance standards and professional practices, it was evident that Howard always put his client’s interests at the forefront of any advice he provided. With a broad spectrum of expertise in taxation, finance and financial planning, he has provided and continues to provide true holistic advice to his many clients.


Michael SchembriTechnical & Professional Standards Manager, PATRON Financial Advice (colleague) worked directly with you    April 17, 2012

Howard is a professional Financial Planner and is licensed through PATRON Financial Advice. As the General Manager for PATRON I have come to know and understand the empathy and passion he has for his clients and the objectives they want to achieve. Howard also runs an Accountancy and Finance Broking business and together with Lifestyle Planner, has built a client value proposition that can truly look after most of the financial services needs of his clients. I have no hesitation in recommending Howard to any client or business that may have need of financial services advice.


Robert McCannGeneral Manager, PATRON Financial Advice.   April 18, 2012

Howard has been a great help to our company. I have no hesitation in recommending him to clients who need his planning or accounting services.


Andrew Hewitt, CEO, Arafura Pearls Holdings Ltd.   November 2, 2010

Howard and the team at Lifestyle Financial Planner have gone the extra mile in developing a practical solution that offers real financial and lifestyle benefits to clients whilst also enabling financial planners to really understand their clients financial and lifestyle behaviours. Howard’s knowledge and his continual research into the Gen X & Y markets really shows through in his lateral thinking and strategic approach in building a process and solution that is cost effective, online and easy for clients and that reduces administration and compliance costs for financial planners.

Linda Pickering
, General Manager, Funds Management, Elders Limited.  September 29, 2010

I have worked with Howard in the field of cashflow management services for intermediaries and for investors, both in my 8 years as Head of Distribution for Macquarie CMT and more recently in my present role as Head of Intermediary Cash Services at CBA. His business, Lifestyle Planner P/L, offers a very powerful cashflow managing service for the intermediary market which enables advisers bring significant value to their clients through genuine cashflow management strategy and advice. Most services in the market rely on client’s estimates on cost of living and free cashflow to form the basis for investment strategies. Lifestyle Planner analysis extracts exact inputs enabling advisers know the exact free cashflow to drive successful investment strategies and coach clients on the balance between lifestyle and investment prioritisation. In my experience Howard possesses strong understanding in this field and is capable of bringing effective value to his clients.

Grant Mccorquodale
, Head of Cash Services, Core Equity Services, Commonwealth Bank of Australia.   April 13, 2012

I was thoroughly amazed to see the extensive work that Howard has put into the Lifestyle Financial Planning software. The Lifestyle software is perfectly placed to assist advisers keen in targeting the Gen X / Gen Y clients within their business. What a way to simplify the “know your client” rule!

Sean McGrath
, Key Account / Business Development NSW / SA, Gunns Plantations Ltd.   November 18, 2010

Howard is a colleague of mine and we have worked together on certain strategies and I highly recommend Howard as a man of creativity and foresight with an entrepreneurial spirit. Howard is definitely a person you can trust to do business and is a highly competent financial planner and is making a difference to the next generation with his Lifestyle Planner.

Bakous Makari
, CEO of Makari & Co.  October 12, 2010

Howard is a passionate financial planner who believes that knowing his client is important in order to provide them with appropriate advice. He has developed a cash flow management tool to assist his clients to provide information and to get to know themselves. Any potential client who really wants to get to know their true financial profile should consider using the Lifestyle Planner software and arranging a consultation with Howard.

Ian St. Vincent,
Lead Consultant, Lifestyle Financial Coach.  October 26, 2010

Before I met Howard I was not achieving my life’s financial goals.  Howard was recommended to me by a friend and it’s the best move  I’ve ever made!  Howard’s service is unbeatable.  Honest, open and efficient.  Wish I’d met him years ago.  I no longer dislike tax time and I feel comfortable now that my money is working for me.  It would have been impossible for me to achieve my goals without him.

Andrew Stewart –
Medowie, NSW