Services

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

  • Structuring
  • Cash flow
  • Debt management
  • Investment
  • Risk management
  • Estate planning

Our Role

01

Support

We provide expert support, whenever you require it, to help you achieve your financial goals.

02

Research

We stay up to date with the latest economic, legislative and market changes, and make required adjustments to your portfolio.

03

Communicate

We keep you updated, informed and comfortable with the direction of your portfolio, and liaise with you to discuss recommended changes.

04

Guide

We help you make informed decisions by providing resources, economic updates, and financial education.

05

Analyse

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.

Delivering Value To Every Client

We guide you towards good financial decisions and help secure your wealth by focusing on the concept of 'respect, protect and reward'.

Our Investment Approach (CARE)

Why 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:

Investing for Today and the Future

We provide you with investment strategies to help you reach your short- and long-term goals.

These strategies are developed from an understanding of your current financial position, your objectives, and your attitude to investment risk to ensure the best match between you and your investment strategy.

Protecting You, Your Family and Your Business

Protecting your wealth, lifestyle and business is as important as building it. You need to ask yourself the hard 'what if?' questions. ​

We have access to a range of fully researched insurance products that balance protection with good value and peace of mind.

Putting Your Superannuation to Work

Superannuation legislation is complicated. ​

We keep abreast of the latest developments through ongoing professional development and access to technical experts. ​

We’ll make sure that your super works as hard as you do.

Managing Your Business Succession

Your business is important to you. It's probably one of your most valuable assets. ​

But what happens if something happens to you or your business partners? You might have succession planning in place, but you need to protect against the unexpected. We can help.

Shaping your retirement starts today

You need to plan ahead for your retirement. ​

The right plan helps ensure that this time of your life is not just comfortable, but enjoyable as well.​ ​

We provide you with tax effective ways to maximise your retirement assets and future income.

Effective Estate Planning: More Than Just a Will

Estate planning is more than just deciding upon the distribution of your assets to your beneficiaries. ​

Our approach considers the best way to manage those assets, how to achieve the best tax efficiency, and the protection of your estate.

Understanding Government Benefits

You've paid your taxes your whole life. When the time comes, you deserve to receive everything you're entitled to.

Our knowledge of social security legislation allows us to maximise your benefits and get the most out of your existing investments.

Making the Most of Retrenchment and Redundancy

Redundancy or retrenchment are often unexpected. We'll help you make the most of a bad situation. ​

We'll advise you on how best to receive your payout and achieve the best tax outcome. When you get to your next job, your adviser will work with you to maximise your remuneration package.

What can your adviser do for you?

In the words of Warren Buffett, "Someone’s sitting in the shade today because someone planted a tree a long time ago".  ​​

Financial planning is about making it easier for you to be who you want to be and live the lifestyle you aspire to. With the help of your financial adviser, you can make you life as good as possible.

Want to know more?

Contact us today and we will be in touch as soon as possible.