Business Details
9 Years
experience
Trusted Financial Advisors on the Northern Beaches
23 Beaches brings together extensive experience in finance, lending, financial planning, and accounting to deliver tailored strategies focused on simplifying complex financial matters. Our team prioritises proactive, long-term relationships with clients, offering expert guidance in tax minimisation, wealth creation, and mortgage broking. With a commitment to transparency and client-centric solutions, we serve individuals and businesses across the Northern Beaches. Our directors, Chris Malicki and Ben Westcott, combine certifications as Certified Financial Planners and CPA members to provide industry-leading advice.We leverage cutting-edge systems for accurate financial forecasting and compliance, ensuring clients can focus on growth. Our services extend to business start-up structuring, succession planning, and SMSF management, supported by a free initial consultation to assess client needs. Regular media appearances and community involvement underscore our dedication to financial education and local engagement.
Services
Accounting
Financial Planning
Home Loans
Tax Preparation
Business Advisory
SMSF Management
Mortgage Broking
Estate Planning
Wealth Creation
Debt Consolidation
Details
- Year established: 2017
Highlights and features
- We offer over 15 years of combined experience in financial planning and accounting.
- Our team holds certifications including Certified Financial Planner and CPA membership.
- We provide tailored strategies for tax minimisation and wealth creation.
- We serve Northern Beaches clients with local market expertise.
- We offer free initial consultations to assess your financial needs.
Associations and certifications
- CPA Australia
- Certified Financial Planner (CFP)
- Finance Brokers Association of Australia (FBAA)
- Australian Credit Licence 387856
- Australian Financial Services Licence 501527
Services
Accounting Services
Our Northern Beaches accounting team provides tailored financial record-keeping, tax compliance, and business advisory services. We specialise in tax return preparation, payroll processing, financial statement analysis, and ASIC reporting. Our proactive approach helps businesses minimise tax obligations while maintaining compliance with Australian regulations.
Financial Planning
We create custom financial plans for retirement, wealth creation, and risk management. Services include SMSF advice, superannuation optimisation, and ethical investment strategies. Our CFP-certified advisors help clients achieve long-term financial independence through personalised, jargon-free guidance.
Home Loans
As authorised credit representatives, we offer competitive home loan solutions across 20+ lenders. Our services include first-home buyer assistance, refinancing, debt consolidation, and construction loans. We provide tailored mortgage strategies to suit individual financial circumstances and property goals.
Business Advisory
We support businesses with start-up structuring, succession planning, and operational finance management. Our services include cash flow forecasting, KPI reporting, and CFO outsourcing. We help Northern Beaches businesses optimise financial performance while minimising tax liabilities.
Tax Preparation
We handle individual and business tax returns, fringe benefits tax, and taxable payments reporting. Our team identifies legitimate deductions to reduce tax burdens while ensuring compliance with ATO requirements. We also provide strategic tax planning for future financial years.
People
Chris Malicki
Director
Certified Financial Planner and mortgage broker with 20+ years' experience. Regular radio presenter on 2GB and Northern Beaches Community Radio. Specialises in simplifying complex financial concepts for clients.
Ben Westcott
Director
CPA Australia member with expertise in business taxation and advisory services. Focuses on manufacturing, retail, and construction industries. Provides strategic tax planning for musicians and athletes.
Questions
What services does 23 Beaches offer?
We provide accounting, financial planning, mortgage broking, tax preparation, business advisory, SMSF management, and wealth creation strategies.
Are you authorised financial advisors?
Yes, we hold Australian Financial Services Licence 501527 and Australian Credit Licence 387856 through authorised representative arrangements.
Do you offer free initial consultations?
Yes, we provide free no-obligation meetings to assess your financial situation and recommend tailored solutions.
Which areas do you service?
We primarily serve the Northern Beaches region of Sydney, including Collaroy, Dee Why, and Narrabeen.
Reviews (4)
Brent Spencer
Jan 06, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Great Mortgage Broker, very helpful and easy to deal with.
Great Mortgage Broker, very helpful and easy to deal with.
Marc Boros
Jan 02, 2021
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This business will be the main reason I will retire whilst still young enough to enjoy it.
Is helping me set up my future to live very comfortably, through all forms of investments.
Cannot recommend highly enough to anybody willing to listen.
Is helping me set up my future to live very comfortably, through all forms of investments.
Cannot recommend highly enough to anybody willing to listen.
Stephen Mccooe
Dec 21, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Great service , excellent rates and easy to deal with, unlike most mortgage brokers , highly recommended
Great service , excellent rates and easy to deal with, unlike most mortgage brokers , highly recommended
Kimberley Schofield
Sep 08, 2020
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Positive:Professionalism,Quality,Responsiveness
Had a great experience with 23 Beaches when getting a new mortgage recently. Chris listened to what we were looking for, was quick to respond throughout the process and got it all sorted quickly and without any fuss. Great broker, highly recommended.
Had a great experience with 23 Beaches when getting a new mortgage recently. Chris listened to what we were looking for, was quick to respond throughout the process and got it all sorted quickly and without any fuss. Great broker, highly recommended.
