What We Offer
Financial Planning & Investment Advice
Getting what you want out of life means identifying your objectives and making sure you have the financial strategies in place to achieve your goals.
So, it is important that we get to know you, before we present you with a financial plan for your consideration.
Your objectives may include the purchase of a business or property, a special fund for educating children, overseas travel, or the financing of a fulfilling and happy retirement.
Professional financial planners consider matters of superannuation, insurance, budgeting, debt management, retirement planning, tax-effective strategies, and ensuring that wealth passes on to where it is intended, through wills, estate planning and powers of attorney.
How Does it Work?
Your financial adviser will meet with you to discuss your current financial situation and what goals or targets you would like to achieve.
This means that information about your age, family, employment status and hopes and aspirations for the future, will be discussed and considered. Your adviser will also want to know what combination of return and risk you might be comfortable with.
Consideration will be given to your total financial situation, including opportunities to create wealth through investments, tax-effective strategies and superannuation, insurances to protect your wealth, and retirement and succession planning.
Following your meeting, your adviser will consider the best possible strategies for you to achieve your goals, and protect and enhance your future. As RCL is not aligned to any bank or insurance company, these recommendations will be based on no other consideration than what is best for you.
These strategies will be presented to you in a Statement of Advice, which your adviser will explain to you in detail and give you to take home to consider.
The basis for our advice is explained, along with the expected benefits of the advice, associated levels of risk, and any costs or fees.
Should you decide to accept our advice, your portfolio is put into place and regularly reviewed by your adviser.
As a minimum, we provide an in-person annual review, every year, for personal clients.
At your review, you will meet with your adviser, who will discuss the progress of your portfolio, and make further recommendations, depending on your latest circumstances.
Investments (Managed Funds or Direct Share Purchase)
Our RCL specialist team are constantly tracking the performance of funds, status of financial markets, and the wide range of factors in the financial world that might affect their clients' investments. Our advice is non-aligned, up-to-date and well informed.
RCL offers a wide range of investment options to our clients, based upon each individual's financial situation, goals and personality profile.
We advise on the most appropriate mix of managed funds, domestic and international shares and other investment options, including property, cash and fixed interest.
In developing the most appropriate strategy, your funds may be spread across several classes of investment, to take advantage of capital growth, liquidity and fluctuating markets.
Regular reviews of your investment portfolio enable us to not only track progress and explain performance to our clients, it also allows for adjustments to the mix that will optimise results.
Tax-effective Strategies
Taxation involves all aspects of our personal and business finances, and we ensure that RCL clients benefit from legitimate tax-effective investment strategies.
One of our major goals is to assist our clients reduce their tax, by examining their tax exposure and implementing reduction and deferral strategies. Additionally, we provide our clients with advice on how to appropriately maximise the potential of their investment strategies.
RCL has competency in the following areas of tax minimisation and gearing:
- Protected Equities
- Property Investment
- Infrastructure Investment
- International Investment
- Margin Lending
- Salary Packaging
- Tax-effective Superannuation Strategies.
Margin Lending is one of several tax-effective strategies that has proved effective for our clients.
Essentially, margin lending is borrowing to invest in shares or managed funds, using your existing investments as security.
RCL Accounting can set up salary packaging arrangements, particularly for not-for profit organisations, to give employees access to more favourable income tax treatment.
Specialised Private Client Services
All RCL clients receive dedicated, personal, professional service, with regular reviews - according to the client’s individual needs and situation.
Some clients require a level of service which offers more frequent reviews, comprehensive strategic plan upgrades, private briefings and special information seminars.
For these Private Clients, RCL offers a Platinum service. You may qualify for Platinum membership if you are a major investor.