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02 4920 7886Book An Appointment |
Serving Businesses Australia-Wide
Let’s Talk Business Growth
Most business owners work hard but stay stuck. We show you exactly where your money goes, where the leaks are, and how to build a business that grows without burning you out.
More Profit, Less Guesswork
Real Financial Strategy
Accountability That Works
Why Choose 123 Financial Group?
Find Out Where Your Money Actually Goes
We map your revenue, expenses, and margin in plain English—no jargon. You will see exactly where cash is leaking and which parts of your business are actually making you money.
A Pricing & Profit Strategy That Actually Works
Are you undercharging? Are your margins shrinking as you grow? We help you price correctly, cut the waste, and increase take-home profit—without needing more revenue.
A Clear Roadmap—Not Just Advice
You get a written action plan with KPIs you can actually track, quarterly check-ins to keep you on course, and a coach who holds you accountable to the goals you set.
I was turning over good revenue but somehow always stressed about cash. Within three months of working with the team at 123 Financial, I understood exactly why—and we fixed it. My profit is up and I actually pay myself properly now.
Director, Whitfield Building & Construction
How It Works
Getting started is simple. Here is what to expect.
1
Book a Business Strategy Session
We start with a straight-talking conversation about where your business is now, what is working, what is not, and where you want to be in 12 months.
2
We Dig Into Your Numbers
We analyse your revenue, margins, cash flow, pricing, and costs to find the gaps and opportunities your current setup is hiding from you.
3
You Get a Written Action Plan
A clear, prioritised roadmap—what to do first, what metrics to track, and how to measure whether it is working. No vague advice, no fluff.
4
We Coach You Through It
Regular check-ins, real accountability, and expert support every time you face a big decision—so you keep moving forward instead of getting stuck.
Ready to build a business that works for you—not the other way around?
Book your appointment today and get clarity on your financial future. No obligation, no pressure—just honest advice.
What Our Clients Say
Real reviews from real clients in the Newcastle area.
★★★★★
I have been to other business coaches who gave me motivation but no numbers. 123 Financial gave me a real financial plan. Complete game changer.
Owner, Reeves Allied Health, Brisbane
★★★★★
We grew 40% this year and actually had more cash at the end of it. That had never happened before. The coaching completely changed how I think about the business.
Director, McCoy Earthworks, Queensland
★★★★★
For the first time I know my numbers. I know my margins, I know my break-even, and I know what I need to sell each month. It sounds basic but nobody had ever shown me before.
Owner, Simone Park Design, Sydney
★★★★★
They are not just coaches—they are accountants who know business. The advice is grounded in real finance, not just motivation.
Sole Trader, Newcastle
★★★★★
We found $80,000 in wasted spend in our first session together. I wish I had done this five years ago.
Co-Founder, Torres Hospitality Group
★★★★★
The quarterly check-ins keep me honest. Knowing I have to report my numbers to someone who understands them keeps me focused all year.
Owner, Fisher Mechanical, Central Coast
Frequently Asked Questions
What makes this different from normal business coaching?
Most business coaches focus on mindset and motivation. That matters—but without real financial analysis, it is just guesswork. We are accountants first, so our coaching is grounded in your actual numbers: your margins, cash flow, pricing, and tax position. You get strategy and accountability backed by genuine financial expertise.
My business is doing okay. Do I still need coaching?
Okay is not the same as optimised. Most business owners we work with are already busy and profitable—but they are leaving money on the table, taking on risk they do not need to, or not paying themselves properly. Coaching finds and fixes that gap.
How much does business coaching cost?
We offer transparent fixed-fee coaching packages based on the level of support you need—from quarterly strategy sessions to monthly deep dives with unlimited advice access. Book a call and we will recommend the right level and give you a clear price upfront.
Do you work with businesses across Australia?
Yes. We work with business owners right across Australia via video call. If you are local to Newcastle and Kotara, you are also welcome to meet us in person at our office.
What kinds of businesses do you work with?
Trades, professional services, retail, hospitality, healthcare, construction, and more. The common thread is business owners who are ready to get serious about growth and stop flying blind on their finances.
What will the first session cover?
The first session is a business strategy review. We look at where you are now—revenue, margins, cash flow, pricing, team, and goals—and identify the biggest opportunity to move the needle fast. You will leave with clarity and a clear next step, even if you decide not to continue.
Do I need to have my accounts in order first?
No. We can work with whatever you have. If your books are a mess, we can clean them up as part of the engagement. The coaching is most powerful when paired with accurate numbers, and we can help you get there.
How long does it take to see results?
Most clients identify tangible wins—cost savings, pricing improvements, or cash flow gains—within the first 60 to 90 days. The bigger structural changes to profitability and growth take 6 to 12 months to fully play out, but the momentum starts immediately.
123 Financial Group vs. Typical Accountant
See the difference for yourself.
| Feature | Us | Them |
|---|---|---|
| Coaching Backed by Real Accounting Expertise | ✓ | ✗ |
| Deep Dive Into Your Actual Numbers | ✓ | ✗ |
| Written Action Plan With KPIs | ✓ | ✗ |
| Pricing & Margin Strategy | ✓ | ✗ |
| Cash Flow & Profit Improvement Focus | ✓ | ✗ |
| Fixed-Fee Coaching (No Hourly Surprises) | ✓ | ✗ |
| Quarterly Accountability Check-Ins | ✓ | ✗ |
| Tax & Structure Advice In the Same Meeting | ✓ | ✗ |
🛡
Our Business Coaching Guarantee
We back our coaching with a 30-day satisfaction guarantee. If you complete your first session and do not feel the engagement is the right fit, we will refund your fee in full—no questions asked. We are confident in what we do, and we only take on clients we genuinely believe we can help.
Get In Touch
Connect with us by phone, email, or the form below.
Visit usSuite 24, Level 1, OTP House, 10 Bradford Close, Kotara NSW 2289
Call us02 4920 7886