I’ve spent nearly 40 years in the financial services industry—and if there’s one thing I know for sure, it’s that small business owners are the backbone of our communities, yet they’re so often left behind. Overlooked by the big firms. Spoken to in jargon. Made to feel like they should already know it all. I’ve never been okay with that.
I’ve always been a champion for the small guys—the tradies, the solo mums, the dreamers and doers who just need someone in their corner who gets it. Someone who will cut through the noise, give honest advice, and help them grow a business that gives them freedom, not burnout.
I believe life’s too short to stay in the dark about your finances or your potential. You should feel empowered, not overwhelmed. Focused, not flustered. Whether I’m helping you sort out your cash flow, set up a better business model, or finally feel on top of your personal money goals—my mission is the same: to help you live a life of financial freedom, on your own terms.
At 123 Financial Group, we exist for one reason:
To help you take control of your finances and build a life that actually works for you.
Whether you’re a small business owner juggling all the hats, or someone just trying to make smarter money moves—we’re here to cut through the confusion and give you real, practical advice that makes a difference.
We know that money can feel overwhelming, but here’s the truth: Money is a tool. When you know how to use it, you can shape your future, reduce stress, and make confident decisions that serve you and your family.
Qualified accountant, adviser and straight-talking financial coach with nearly 40 years of experience
We’re not your typical accounting firm. We’re warm, approachable, and genuinely invested in your success.
We offer end-to-end financial services—accounting, tax, business coaching and advice, loans, money coaching and more. But what we really do is help you plug the leaks, get clarity, and move forward with purpose. We believe in smart systems, better margins, and more profit in your pocket.
There’s no magic wand, no silver bullet.
Just clear, honest advice, a whole lot of experience, and a team that actually cares.
Financial freedom isn’t a dream—it’s a plan. And it starts right here. Welcome to 123 Financial Group.
When I became a mum to three little boys, I knew the corporate world wasn’t where I wanted to be anymore. I wanted to be present for my family—but I also knew I still had so much to offer.
So, I took a leap. I stepped away from the traditional path and started offering personalised financial advice from my home office. No cookie-cutter templates, no talking over people’s heads—just real conversations and practical solutions.
What began as a handful of loyal clients quickly grew, simply because people were craving something different: down-to-earth, expert advice from someone who genuinely cared.
Over time, that little home office became 123 Financial Group—a full-service firm with a powerhouse team behind it. We now support business owners, individuals and families with accounting, tax, loans, bookkeeping, and money coaching.
But no matter how much we’ve grown, one thing has never changed: you’re at the centre of everything we do.
If you’re looking for straight-up advice, more profit, and less financial stress—we’re here, ready to help.
Let’s talk about where you’re heading, and how we can help you get there.
We know that when it comes to your money, trust is everything. We earn it by showing up, following through, and always acting in your best interest.
We know that when it comes to your money, trust is everything. We earn it by showing up, following through, and always acting in your best interest.
We’re all in—for you, your business, and your goals. We treat your success like it’s our own.
We’re a family-run business, and we treat our clients like part of the crew. Relationships matter here.
We’re here to help you grow—your knowledge, your profit, and your confidence. Because standing still isn’t the plan.
I’ve spent nearly four decades in the financial services industry—starting at one of the world’s biggest firms and eventually building one of Newcastle’s most trusted financial groups. But truthfully? My biggest motivation has always been helping real people make sense of their money.
When I became a mum to three little boys, I knew the corporate world didn’t fit anymore. I wanted more time with my family, but I didn’t want to give up doing what I love—helping people feel in control of their finances and confident in their decisions.
So, I started my own practice from a home office with a simple goal: give people the kind of honest, personalised advice I’d want for myself.
That one decision grew into 123 Financial Group—a full-service team that supports individuals and business owners with straight-talking advice and practical strategies that actually work.
What sets us apart?
We don’t just know the numbers—we know how to help you use them. Because money is a tool, and when you learn how to use it, it changes everything.
Whether you’re trying to grow your business, increase profit, or just feel less overwhelmed by your finances—my team and I are here to help you take the next step.
Expert support to help you manage your tax, loans, and business with confidence.
Welcome to 123 Financial Group, where our mission is simple: to help you achieve financial freedom and live life YOUR way. Our core values of trust, confidence, timeliness, and the importance of family are the guiding principles that shape everything we do.
At the helm is Jen Richardson, the brains behind this operation and a true Newcastle financial guru. Our team is cut from a different cloth – we're approachable, down-to-earth, and genuinely excited about helping you and your family take control of your finances. Plus, we've got the experience and knowledge to back it up, with a stack of awards and reviews that speak to our excellence.
Consider us your all-in-one financial hub. We cover it all, from accounting and taxes to business advice, retirement strategies, loans, bookkeeping and money coaching.
Whether you're a business owner or an individual, if you want practical, personalised advice without the sales pitch, you've come to the right place. Welcome to 123 Financial Group.
A few years back, we noticed there was a gap in Charlestown that needed to be filled. People were searching for an accounting service that combined the expertise of a large firm with the personalised and authentic approach of a small one.
And so, 123 Financial Group was born.
Our journey began from humble origins, operating out of a home office with just a handful of loyal clients. But word quickly spread.
As our client base expanded, so did our team, evolving into the professional and dedicated group we are today. Throughout this growth, our core focus has remained unchanged. You.
We deeply value the trust you place in us to manage your finances, and we carry this responsibility with the utmost care.
If you're seeking financial clarity, striving to understand your business's financial landscape, or looking to simplify complex money decisions, we're here to guide you.
At 123 Financial Group, we're not just financial experts; we're your partners on the road to financial success. Let's have a conversation about your goals and how we can help you achieve them.
A few years back, we noticed there was a gap in Charlestown that needed to be filled. People were searching for an accounting service that combined the expertise of a large firm with the personalised and authentic approach of a small one.
And so, 123 Financial Group was born.
Our journey began from humble origins, operating out of a home office with just a handful of loyal clients. But word quickly spread.
As our client base expanded, so did our team, evolving into the professional and dedicated group we are today. Throughout this growth, our core focus has remained unchanged. You.
We deeply value the trust you place in us to manage your finances, and we carry this responsibility with the utmost care.
If you're seeking financial clarity, striving to understand your business's financial landscape, or looking to simplify complex money decisions, we're here to guide you.
At 123 Financial Group, we're not just financial experts; we're your partners on the road to financial success. Let's have a conversation about your goals and how we can help you achieve them.