We have moved! Our new address is Suite 24, Level 1, OTP House, 10 Bradford Close, Kotara NSW 2289.
Most of the business owners and tradies who come to us have had the same experience: an accountant who lodges the tax return and not much else. No conversation about structure, deductions, or whether the business is actually performing the way it should be.
“I started 123 Financial Group because I got tired of watching capable people make expensive decisions without the right financial information. Thirty years in accounting, financial planning, and mortgage broking, and the pattern is always the same. The advice exists. It just wasn’t reaching the people who needed it most.
When you come to 123 Financial Group, you start with me. From there, you are looked after by our senior accounting team — qualified, experienced, and genuinely available when you need them. We work with electricians, plumbers, builders, hairdressers, consultants, and sole traders across Newcastle and all of Australia.”
There’s a difference between a tax return that gets lodged and a tax return that’s been properly looked at. The first one costs the same every year. The second one finds what you’re leaving on the table.
We are Xero Gold Partners. If your bookkeeping is on Xero, or you want it to be, we can make that work properly.
Good bookkeeping is not just keeping the records up to date. It’s knowing what to set aside for tax before the ATO asks for it. It’s having your BAS done before it becomes urgent. It’s cash flow that tells you what you can spend this month, not just what you spent last month.
Our founder
Most accounting tells you what happened last year. We are also interested in what happens next.
Explore pricing, cash flow and growth with someone who understands your business.
Talk to us about your businessA practical program for small business owners who want clearer pricing, stronger cash flow and a plan for growth.
Want to hear when it launches?
Register your interestWe are accountants and mortgage brokers, not licensed financial advisers. If you need help with investments, super, insurance or retirement planning, we can refer you to a qualified adviser we trust.
Ask us about a referralAs your accountant, we already understand your income, business structure and tax position. Our mortgage broking team helps you explore suitable options for your next property or refinance.
Accountant, mortgage broker and founder of 123 Financial Group. With 30 years in financial services, Jen helps small business owners and tradies make sense of their numbers.
Based in Newcastle. Working with clients across Australia.
Tax, bookkeeping or your home loan — a conversation can help you work out the next step.
Book an appointmentKotara, Newcastle • Working with clients across Australia