PRIVATE BANKING @ Investment @ Finance Services. We provide exclusive investment-related advice and goes beyond managing investments

CORPORATE FINANCE & BENEFITS MANAGEMENT as follows: Corporate Finance & Business Services and Insurance Benefits & Risk Management. CORPORATE FINANCE & BUSINESS SERVICES are as follows: Cash management & treasury services, Commercial real estates, Employers services, Stock brokerage & investment funds, Transactions & capital management services (Private & investment banking services). INSURANCE BENEFITS & RISK MANAGEMENT: Corporate Benefits Insurance, Risk Management Consulting & Software.

ADVISORY & HUMAN CAPITAL CONSULTING as follows: ADVISORY & ACTUARIAL SERVICES are as follows, Advisory Services: Develop findings, conclusions and recommendations to be considered and decided by clients (strategic planning, etc.). Actuarial Services: Accounting & actuarial services, pricing, reserving, asset & liability management, dividend & capital management. Financial & Insurance Training Services. HUMAN CAPITAL CONSULTING are as follows: Human Capital Advisory, Compensations & Benefits consulting, Group Retirement Plans solutions, Outsourcing, Investment consulting.

Managing Director

Mr. Ricky Leonard S. QIP., FSAI., AAAIJ., WAPERD. is Managing Director RLS Financial Services (Royalty Lyon Sedjahtera Financial Services). He is investment insurance professional & actuary. He has experience, capability, and integrity in the field of Financial Insurance & Consulting Services for 23 years including in the following Companies: 

Financial Insurance & Consulting Industry   


  • LYONHAAN BENEFITS MANAGEMENT (Partner Insurance & Risk Management Solutions Belgium Germany Companies)-Director


  • RLJ CONSULTANTS (Advisory, Actuarial Services, and Human Capital Consulting)-Commissioner


  • RLS FINANCE (Business Finance and Transactions & Capital Management Services)-CEO


  • ING Life Insurance (subsidiary of ING Bank Group plc Netherlands WW) and AJBN Life Insurance-Division Head.


  • Astra Jardine CMG Life Insurance (JV of Commonwealth Bank Group plc Australia and Jardine Astra International plc Singapore) and Maskapai Reasuransi Indonesia plc Indonesia-Supervisor.


He has advance/master's degrees in the field of Financial Insurance Management & Actuarial:

Master of Financial Insurance Management: 


  • Qualified Insurance Practitioner-QIP (from AAMAI Management Institute of Insurance Office of Indonesia)
  • Investment Funds Management-WAPERD (from APRDI)
  • Associate Life Management Institute-AAAIJ (from AAMAI Management Institute of Insurance Office of Indonesia)

Master and Qualified Actuary: 


  • M & A or Appraisal & Embedded Valuation for Life Insurance Company (from IAA The Institute of Actuaries of Australia)
  • Actuarial & Software Solutions (from Prophet FIS Sungard plc USA WW)
  • Actuarial & Software Solutions (from TAS Tillinghast Towers Perrin plc England WW)
  • Fellow of Society of Actuaries of Indonesia-FSAI (from PAI The Society of Actuaries of Indonesia)

Are the highest degrees and currently only a limited number of people in the world (in Indonesia no more than 250 people).

He completed his studies in banking insurance management in 1996.  He has attended in various seminars, trainings and workshops as speaker or participant for Banking Insurance & Finance and Risk Management & Actuarial as well.


Consulting Energy

By Utama Kreatif