Whether you're just starting out or have been in business for years, one thing stays the same: you need clarity, confidence, and the right financial support.
Based in Newcastle and working with clients right across Australia.
Whether you're just starting out or have been in business for years, one thing stays the same: you need clarity, confidence, and the right financial support.
Based in Newcastle and working with clients right across Australia.
Whether You’re Just Starting Out or Scaling to Seven Figures (and Beyond), We’re With You Every Step of the Way
Simple, practical financial support for business owners who want more clarity, more profit, and less stress.
At 123 Financial Group, we help you understand your numbers, set up strong systems, and make confident business decisions—no fluff, no jargon, just real advice that gets results.
Running a business can feel like flying blind. You’ve got the drive, the passion, and the product — but when it comes to cashflow, tax, or profit, you’re not sure where to start (or what’s actually working).
That’s where we come in.
Because no one teaches you this stuff — and it’s way too important to wing it.
We’ll get your return sorted quickly, accurately, and with the advice you need to make the most of your money.
We’ll help you understand your numbers, plan for profit, and take control of your business finances.
Looking to refinance, buy a home, or invest? We make the process simple and stress-free—so you get the right loan and a clear plan.
Learn what tax deductions you can claim—tailored for different industries and professions.
At 123 Financial Group, we partner with business owners at every stage of their journey—from first ABN to first employee and beyond. Whether you’re launching, stabilising, or scaling, we’ll help you create a clear path forward.
Because knowledge is power, and every business owner deserves to feel financially empowered—not financially stressed.
We’re here to help business owners feel confident, in control, and financially strong—so you can build a business and life you’re proud of.
You deserve more than just someone to ‘do the books’. You deserve a partner who understands your goals, speaks your language, and gives you the tools to grow with clarity and confidence.
We take the stress out of the numbers and replace it with strategy, structure, and support—so you can make smarter decisions, increase your profit, and finally feel on top of your business.
Because knowing your numbers isn’t just good business—it’s the key to your freedom.
I started my career in my 20s working in some of the big-name accounting firms. The work was solid, the clients were successful — but something always felt off. I kept seeing passionate, hardworking small business owners being overlooked. And the ones just starting out? They were often left to figure it all out on their own.
That never sat right with me.
I believe every business owner — no matter their size, experience or stage — deserves access to clear, practical financial advice and great service. You shouldn’t have to be turning over millions to get the right support.
Starting a business is one of the most exciting, yet stressful things you’ll ever do. And those early years? They’re crucial. That’s why I created 123 Financial Group — to be the partner small business owners need from the very beginning, through the messy middle, and beyond.
And for those who aren’t in business, we also look after individuals who just want their tax returns done right — no jargon, no judgement, just helpful advice and a process that actually makes sense.
Because with the right help, your business (and your finances) can give you the freedom, income and confidence you deserve.
Expert support to help you manage your tax, loans, and business with confidence.
She got our refinance approved and saved us thousands with a lower interest rate.
Bec Morrow from 123 Financial Group helped us immensely when trying to refinance our existing home loan. We didn’t know where to start, but she provided us her knowledge and expertise which resulted in us having our home loan refinance approved & giving us a much lower interest rate. Would recommend Bec Morrow 100%, she never gave up on us!
Nothing is ever too much trouble and they always go the extra mile.
Jenny and the team 123 Financial Group have been doing our accounting and taxation for over a decade and we have always received the most professional, timely and superlative service. Nothing is ever too much trouble and they always go the extra mile. I highly recommend 123 Financial Group
123 Accounting has been consistently reliable and helpful with everything from BAS to tax matters.
I have found 123 Accounting to be very reliable and helpful with all my accounting dealings from BAS’s to taxation and everything in between. Jenny and all the staff from 123 are very prompt with all dealings. I would highly recommend 123 to anyone for personal or business transactions.
123 Accounting has been consistently reliable and helpful with everything from BAS to tax matters.
I have found 123 Accounting to be very reliable and helpful with all my accounting dealings from BAS’s to taxation and everything in between. Jenny and all the staff from 123 are very prompt with all dealings. I would highly recommend 123 to anyone for personal or business transactions.
They’ve been all-in on finding the best fit for us since day one.
After switching to 123 Financial Group for our mortgage needs, we experienced a significant decrease in our monthly payments.
Their commitment to finding the best options for us was evident from day one. We couldn’t be happier!
Their support and advice helped me make smart, informed investment decisions.
I appreciate the transparency and thoroughness of the 123 Financial Group team. They guided me through the investment process, answering all my questions and providing valuable advice that helped me make informed decisions. Fantastic experience!
Jenny and her team are professional and compassionate.
123 Financial Group will have my business into the future. Recommended by my husband and never looked back.
I have nothing but praise for 123 Financial Group.
They have been there for my son and I in a difficult situation in our lives as we run our business. The staff have been our saviours and wonderful friends. I would not hesitate to recommend this company to anyone.
Thank you so much 123 Financial Group
Great, no nonsense service.
Been going here for almost a decade and have always found it to be efficient with staff that get it done with no hassle.
Always great support with Tax, I’ve been going to 123 for years now and can highly recommend!
Harpers Health provide expert Occupational Therapy and Psychology support for children and teens. They are medicare & NDIA approved. family owned and operated, They aim to provide affordable and quality services to our local community.
Jenny, the principal and founder of 123 Accounting, has prepared my tax returns for over 32 years.
This alone tells you the trust I place in 123 Accounting
We have been working with 123 Financial Group for many years now for both our personal and businesses taxes and financial advice.
Their advice is highly valued and communication is excellent.
1300 Skip Bins is Newcastle and Lake Macquaries’ premier mobile skip bin company. They are proudly owned and operated by local Novocastrians, not a franchise like many other other skip bin companies. 1300 Skip Bins will assist you to dispose of your waste in the most economical and environmentally friendly manner possible.
Very different to any other accountant I have gone to. Since I found 123 Financial Group, I’ve gotten all my family to become clients.
They’ve helped my brother with his business, helped by dad get a loan and helped my mum with financial planning.
Literally a one stop shop for every financial need.
Thank you to 123 Financial for the professional attention to my Taxation Returns.
This is my first year at 123 Financial Services I was impressed with the courteous and prompt attention I received from all team members.
Shane, who I choose to be linked in with at 123 Financial Group, has shone on so many fronts.
He has patiently walked me through (in a one-on-one tutorial) the parts of Xero I want to understand, he is a fabulous communicator when I send him through questions I have, and he has found creative ways to solve things that have come up.
I value his insight and love having him on the Love Parenting support team.
Love Parenting are a family counselling service in Newcastle. With Mel’s professional and dedicated support, you can create a Parenting Roadmap to pinpoint problems and troubleshoot solutions to suit the needs of you and your family.
Great friendly staff with a very professional approach to business.
Tasks were taken care of in a timely manner, questions answered promptly even in the uncertain times of the covid crisis.
EleCrisity is a local Newcastle Electrical Services Contractor specialising in Air-conditioning, surveillance installation and servicing, and other advanced electrical solution services.
Very helpful and accomodating for me and my business, came out and saw how we operate on a day to day basis, understood what we needed and helped reach our goals.
Definitely not the standard accounting firm, they spoke to me in terms I understood and didn’t try to bury me in accounting terms just to overcharge me.
They were also able to help me with refinancing my home loan, it was great not having to go all over town.
Definitely Recommend Jenny and her awesome team, in their fantastic new office. Great job!!!
I have found 123 Accounting to be very reliable and helpful with all my accounting dealings from BAS’s to taxation and everything in between.
Jenny and all the staff from 123 are very prompt with all dealings.
I would highly recommend 123 to anyone for personal or business transactions.
Licensed and insured roofing tradesmen provided by Newcastle Roofing Professionals have been part of the roofing industry in Newcastle for over three decades. Trusted and committed, they pride themselves on quality workmanship and excellent customer service.
Most business owners feel overwhelmed by the financial side. You’re not bad with money — you just haven’t had the right guidance yet.
We give you the tools, support, and straight-talking advice to feel calm, clear, and in control.
So you can stop flying blind and start building a business that actually works.
Let’s talk about where you’re at, where you want to go, and how we can help you build a business that supports the life you want.
We're not your average number-crunchers – we're your financial dream weavers. From turbocharged tax strategies to mortgage mastery and business brilliance, we're rewriting the rules of finance with you in mind. Let's turn your aspirations into achievements, and make finance exciting, not ordinary.
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Why complicate things? We provide a range of services that cover everything you need. No more running around, no more confusion. Just straightforward solutions that work for you.
We're not your typical financial folks. We're down-to-earth, genuine, and caring. Our clients often say they feel like they're talking to a friend, not just an adviser. Your success is personal to us.
Our award-winning team is the best in the business – and they're real people, too. No jargon, no nonsense. Just experts who understand your goals and help you achieve them.
If you're a business owner in the Hunter Valley, we're here for you. We're not just number crunchers; we're partners in your growth. Whether it's one-on-one coaching or group workshops, we help you overcome challenges, boost cash flow, and reach new heights.