About Us — Merit Financial Services

Our Story

From Passion to Practice

Merit Financial Services was born from a desire to do financial advice differently. After years in the industry, we saw too many clients receiving cookie-cutter advice that didn't account for their unique circumstances — especially when it came to tax.

We built Merit to be the practice we'd want to be a client of: transparent, technology-driven, genuinely caring, and always looking at the full picture. Every strategy we recommend considers the tax impact, because keeping more of what you earn matters.

Based in Sydney's Hills District, we serve clients across Greater Sydney and beyond — meeting virtually, in person, or wherever makes sense for you.

Our Values

See it. Secure it. Summit it.

Three principles that guide every strategy we build and every recommendation we make.

🔭

See It

We look at the full picture and plan with clarity. Every strategy starts with where you want to be — then we map the path to get there.

🛡️

Secure It

We protect what matters before reaching higher. Your wealth deserves a fortress, not a fence — safeguarding what you've built so you can reach for more.

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Summit It

We build wealth that lasts, together. One team — you, your adviser, your accountant — climbing together towards your financial peak.

How We Work

Virtually Equipped, Always Personal

Virtually equipped to meet you wherever you are — at home, at work, or face-to-face. Our technology platform means you have full visibility of your finances 24/7, not just when we're in the same room. Most of our clients prefer the convenience of video calls, but we're always happy to meet in person when it matters.

Our People

Meet the Team

A dedicated team of professionals committed to your financial success.

Jim Mills

Principal Adviser & Founder

ASIC Adviser No. 416822

Jim founded Merit with a vision for tax-smart, client-first financial advice. With deep expertise in wealth creation and strategic planning, he leads the practice with energy and purpose.

Sarah Mills

Financial Adviser & Principal

ASIC Adviser No. 378390

Sarah brings both advisory expertise and operational excellence to Merit. She ensures every client receives exceptional service and strategic advice tailored to their life stage.

COMING SOON

Wayne Collis

Senior Financial Adviser, CFP®

We're excited to welcome Wayne Collis, who is currently completing his onboarding to join the Merit team. With over 30 years of industry experience and his CFP® designation, Wayne brings exceptional depth to our wealth management capability.

Tony Hale

Retirement & Centrelink Specialist

Tony specialises in helping clients navigate the complexities of retirement, Centrelink entitlements, and aged care. His expertise ensures clients maximise their benefits and plan with confidence.

Henry Wilden

Insurance Solutions Manager, Merit Insurance

Henry ensures clients have the right levels of insurance cover through education and annual reviews, leading the Merit Insurance partnership.

Important Information: Merit Financial Services advisers are Corporate Authorised Representatives of Paragem Pty Ltd (ABN 16 108 571 875, AFSL 297276). Financial planning and advice services are provided under Paragem's AFSL. Investment execution services described below are provided by Morgans Financial Limited (ABN 49 010 669 726, AFSL 235410) and are not provided under Paragem's AFSL. Lending and finance services are provided by Money Quest (Australian Credit Licence holders) and are not within the authority of Paragem Pty Ltd's Australian Financial Services Licence number 297276.