How We Can Help You
Here to Safeguard Your Financial Future
Merit Planning NCC is a financial advisory firm dedicated to helping you successfully manage your financial planning needs. We believe good financial advice is key to building and protecting wealth. Our mission is to provide well-researched, clear and straightforward advice to help you make sound decisions, maximise wealth, and reach your financial goals.
We take a holistic approach to ensure your current and future needs are considered. Working with you and your accountant, we’ll create a single integrated financial plan designed to meet your goals and deliver financial freedom.
Whatever your situation, we’re here to provide expert advice to meet your individual needs, now and into the future.
Financial Planning and Investment Solutions
- Cash flow
- Debt management
- Risk management
- Estate planning
We provide expert support, whenever you require it, to help you achieve your financial goals.
We stay up to date with the latest economic, legislative and market changes, and make required adjustments to your portfolio.
We keep you updated, informed and comfortable with the direction of your portfolio, and liaise with you to discuss recommended changes.
We help you make informed decisions by providing resources, economic updates, and financial education.
We regularly analyse the progress of your portfolio, review changes to your situation, and recommend adjustments.
Knowledge You Can Trust
With over 20 years’ experience in the finance industry, our senior financial adviser, Jim Cresnar, provides strategic investment advice to create, grow and protect your wealth. Committed to helping you achieve your financial goals, Jim works closely with accountants to help put you on the path to financial freedom.
With extensive experience in self-managed super funds and complex financial needs of self-employed operators and healthcare organisations, Jim has the knowledge and experience to help you reach your financial goals.
He works hard to deliver solutions to create, grow and protect your wealth. Regardless of whether you want to minimise tax, make your income work harder, establish a SMSF, or plan for retirement, Jim provides effective strategies and advice you can trust.
Our Investment Approach (CARE)
Merit Planning NCC secures your financial future by balancing investments using the CARE investment philosophy. CARE seeks to encourage smart investor behaviour and more informed decisions to minimise losses and maximise returns. The key to the CARE philosophy is diversification, with risk and investments balanced across four conceptual spaces – ‘core’, ‘active’, ‘reserves’ and ‘enhanced’.
Integral to the CARE philosophy is the DALBAR study, which highlighted the impact of investment behaviour on investment returns. The study focused on the long-term performance of the top 500 US-listed companies between 1980 to 2000, revealing the average company return was 8% higher than the average return for investors. This difference was attributed to poor investor behaviour (such as panic selling when markets fell, or rushing in when markets rose), which adversely affected investor returns.
Whatever your financial situation, we can offer you tailored financial planning and investment services that cover:
Want to know more?
Contact us today and we will be in touch as soon as possible.