What We Offer
Superannuation - Corporate and Personal
Personal, Corporate or Self-Managed superannuation is a great wealth-building investment. Yet, keeping up with constant changes to the legislative and regulatory environment is not always easy.
At RCL, we ensure that, as the environment changes, our clients super arrangements are updated, to provide maximum benefit.
Your superannuation package is a major investment in your own, and your employees', financial future. Our specialist team is constantly reviewing super changes and how they impact on our clients - from retirees, to those nearing retirement, Baby Boomers and Generation X.
We will keep you abreast of this dynamic area of investment, and provide you with timely reviews and advice, informative seminars, news and information.
Personal Superannuation
Superanuation is one of the largest single investments any of us will make, and a tax-effective way to save for retirement.
Your RCL adviser can help you choose from a range of carefully selected superannuation investments, for which potential return-versus-risk data is available.
Your super package can be adjusted to meet changing personal and economic conditions. It can also offer favourable life insurance provisions.
Salary sacrifice arrangements may also be organised.
Investors can choose this type of regular-contribution, wealth-building investment for themselves, their families and employees.
Corporate Superannuation
Employers are requiring greater reliability, utility and return from their Corporate Super than ever before. At RCL, we specialise in finding the ideal super solution for our corporate clients.
We have experience in matching the size, scale and complexity of your business with the ideal choice from a broad selection of super products.
We cater for a range of small to medium business needs, as well as enterprises with more than 200 employees, who are looking for a complete super solution. Your RCL specialist has access to a wide and comprehensive range of investment funds.
Self-Managed Superannuation
Self managed superannuation enables you to control your super investments and decide how your fund will operate.
You can roll-over your existing superannuation funds into your self managed fund, and have up to four members who do not need to be related.
Your Maddern Financial adviser can assist you with every stage of the fund establishment process, and establish insurance under your super scheme.
Retirement Planning
Romad Capital Limited has considerable experience in helping people make the transition from working life to retirement. We understand the issues our clients face and those they haven’t yet considered.
Your RCL adviser can develop medium and long-term retirement strategies that maximise wealth and income, and minimise taxation, regardless of how close you are to retirement. The same result can be achieved if you have already left the workforce, and want to improve your situation.
Throughout your retirement, we work with you to ensure that you are best positioned to meet your financial objectives.
Lifestyle Planning
The lifestyle you desire is a matter of choice and good planning.
While RCL Capital has a strong focus on comprehensive financial planning, all client strategies include a variety of options, such as buying a new home or holiday house, taking an extended holiday, or pursuing hobbies or interests. We understand the need for a balance between lifestyle and your long-term financial wellbeing.
Estate Planning
Careful and far-sighted estate planning benefits our clients today, and their beneficiaries tomorrow. At Maddern Financial Advisers we take the time to ensure our clients fully understand estate planning recommendations and strategy. We can work in conjunction with your legal advisers when they develop your wills, powers of attorney and other legal matters.
Financial Modelling
Understanding your future will give you peace of mind and confidence in making decisions. In our financial modelling, we begin by focusing on two important issues - cash flow and accumulated wealth. We then factor in your lifestyle objectives and give you a snapshot of your future. Alternative strategies are considered and recommendations formed.
We model the impact of variables such as higher interest rates, buying a new house, or early retirement, and work with you to create a strategy that meets your ultimate objectives.
Taxation Planning
Two important considerations for an investor, are taxation and inflation. RCL recommendations include strategies to reduce your tax liability, which can be developed in collaboration with your accounting and taxation advisers. Portfolio Management
Considering after-tax results is critical in constructing and managing an efficient portfolio. We will advise you on available investment options, taking into account your existing portfolio and objectives. Portfolios are constructed for your changing lifestyle patterns over the coming years, and are consistent with the cash flow and accumulated wealth positions derived from our financial modelling analysis.
We will meet regularly with you to discuss financial markets, legislation, taxation and other issues and provide you with comprehensive reports and valuations.