Are your financial issues making you feel boxed in?

Don't go loco, contact COCO.

At COCO we get excited about money matters and have a fun and flexible attitude to work and life. We believe everyone can achieve financial freedom to enjoy the lifestyle they want.

Our dynamic team is headed by highly qualified and experienced professionals who are able to discuss complex financial issues in everyday terms.

If you're seeking financial success for yourself or your business, contact the COCO team to organise a meeting with us.

What services are you after?

Chartered accountants Australia + New Zealand
Meritum Financial Group

Check out what our clients have said about COCO...

The efficient team at FSG Shellharbour/COCO is led by the very personable, capable and knowledgable Luke Crockford. He has always been very generous with his time to personally answer any queries that pop up.
Martin Doyle & Anthony McMenamin

Luke's accounting skills, experience and understanding of how small businesses operate have been a great help to us, and we have always appreciated and enjoyed the friendly, honest and reliable service that he and his staff provide.
Nick and Jayne Hartgerink
Accounting & Financial Services
From the beginning Luke came across as a genuine man of honesty and integrity. Since our first meeting when Luke said "Bring it all in and we'll get it sorted for you" we have enjoyed the support of Luke and his team who are more than happy to help.
Wayne Anderson
Luke told us more about our tax affairs in the first 30 minutes of our meeting than our previous accountant had explained in the past two years. We can ring or email anyone in the office at any time and get a prompt, professional response.
Rob Hoffmeister and Karen Johnston
When I met with Luke he investigated all my options thoroughly and obtained further financial advice through his network where necessary. Luke made me feel comfortable and confident with the advice he had given me.
Danielle Sharman

Latest news...

10th January, 2017COCOs completed the E.G.P.
Accounting & Financial Planning Services
We've completed the Economic Gardening business development program, created and provided FREE of charge by Shellharbour City Council, Kiama Municipal Council and Wollongong City Council. Luke is pictured here receiving his certificate with Mayor of Shellharbour, Marianne Saliba.
This program has proved invaluable to COCO in re-evaluating all aspects of our business operations and the services we offer to businesses and individuals. We encourage all our small to medium business clients to apply for the next intake of the Economic Gardening Program by clicking on the link below.

16th December, 2016We're getting festive and restive for a while.
Financial Planning Services Australia

We'll be taking a break over Christmas and the New Year. Our office will be closed from 15th December to 15th January so that we can rest up, enjoy time with loved ones and get back to doing our best work for you in 2018.
We wish you all a safe and fun festive season and look forward to talking soon.

Bookkeeping Services Australia
20th November, 2016COCO has set up our COCO Travels gallery.
Financial Planning Services
We've added some FUN to our website because we like to keep up with where you're at and hear about your adventures. Send us your COCO Travels pics to and receive 5% off your COCO bill for the 2017 financial year. See some examples from our COCO Community by clicking on the button below and scrolling down.
11th November, 2016We've added an Online Payment page.
Accounting & Tax Services
We're moving ahead in the digital age and have added an online payment facility to our website. This will make it easier for clients to pay their invoices from the comfort of their own home.If you'd like to check it out click on the Online Payment button below.
14th September, 2016COCO is in the Economic Gardening Program.
We've been invited to take part in the Economic Gardening Program run by Shellharbour City Council, Kiama Municipal Council and Wollongong Council.

This valuable program operates on the concept that in order to increase business opportunities and employment in your local area, the best practice model involves tending the "garden" that you already have in place. The Shellharbour, Kiama and Wollongong councils are investing in the further development of local businesses in order to facilitate economic growth in our area, as we expand into other markets.
So what does this mean for COCO and our clients?

In participating in the Economic Gardening Program, the COCO Team will be able to access expertise in professional business assistance. The program will allow for a structured review of all of our services and procedures, ensuring that as we move forward all operations are in line with our base philosophy.

We are super excited to be allowed this opportunity and are looking forward to the hard work it will entail over the coming months!
7th September, 2016We've changed our brand.
After more than 18 months in the planning and implementation stage we have changed our name to COCO.Financial Synergy Group has been a great brand for us in the past and FSG has summed up the base philosophy behind our working model - to have all facets of your finances working together to create cohesion in the processing and forward planning of your financial matters. COCO continues on with this core aim, but is expanding our culture to encompass a more people-oriented approach.

While our over-arching business name is COCO, we have three different divisions to separate our various service areas:
  • COCO Accounting & Tax
  • COCO Systems & Books
  • COCO Financial Planning
We've made it easy for you in making sure you can access all your accounting, bookkeeping and financial planning services in the one place.

    Why COCO?
    It's all about the person.

    We understand that accounting and financial planning are intrinsically personal processes that touch on the deepest areas of peoples lives. Because our focus is on the people, we've chosen COCO for two reasons:
    1) COCO represents the working together of two parties.
    • Our team and the client COordinating together to complete financial processes and to improve the client's financial standing,
    • The Accountant or Financial Planner COacting with relevant institutions such as the ATO, the TPB, the ICAA, Meritum Financial Group and any others in order to maintain the highest levels of accuracy and professional standing and also to gain the latest information and strategies to help our clients plan for their financial future.
    Financial Planning Services
    2) COCO represents our core person.

    Our founding Owner and Director is Luke Crockford (aka Finance Ninja), whose nickname has been COCO for more than 2 decades. We set the starting point of developing our new brand around Luke as a person. His laid-back nature, strong set of values and keen ability to communicate with people form the axis point of our business culture at COCO.
    COCO Accounting & Financial Planning Services
    Accounting & Tax Services

    Upcoming events...

    Wed, 7th JuneSeminar: Young Families - Getting into the housing market.
    5:30pm - 7:30pm

    Limited numbers so bookings essential
    This seminar is designed to assist young families or couples starting out to find their way into the housing market. We'll give you a overview of the steps you can take in establishing your financial plan to achieve and manage your mortgage. Craig from Be There Financial Services will assist you with specialised information relating to the best loan to suit your needs. You'll be able to ask any of those tricky or awkward questions within a small and supportive group setting or one-on-one with Luke and Craig.

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