Kristen Lovett Accountant & Business Advisor

01/07/2026

To all our valued clients,

Another financial year has closed. I know, blink and you miss it!!
And what a year it has been!

We thank you for choosing Findex Tenterfield as your business partner. We congratulate you on your achievements over the past year.

Our team values our relationship with you, and we appreciate being an active part in your business journey. We enjoy being part of how your business operates and grows, and being your valued advisor.

This May and June, we collaborated with approximately 220 businesses for business tax planning. Your proactive approach is what has saved you tax and ensured you are well placed to kick off the new financial year. This cohort included a diverse mix of agricultural and commercial industries all with varying needs, from forced livestock sales to equipment change overs and profits. We saved more than $1m in taxes which we are again very proud of.

We also worked on strategic planning for many businesses as they transition into the 2027 financial year.

The federal budget introduced uncertainty to the business environment. We will provide updates as the government passes legislation. Once passed, we will design clear action plans to ensure your trading and investment structures best suit your needs.

Payday super commences on 1 July 2026. This change requires employers to pay superannuation at the same time they pay wages. Managing cash flow will be vital during this transition. If you require assistance with administering this change or how to best manage your cashflow and budgets, please contact us.

We are preparing budgeting services and scheduling our next intake for structured business management meetings with Kristen. If you require additional business support or a structured management role, please reach out to Kristen to discuss how we can work together and design a service that meets your business needs.

Xero remains our preferred accounting software. The platform continues to release new features to support your business and grow its features and use of smart tech. Key features include:
*Simplified hubs for bill and expense tracking.
*Automated bank feed reconciliation tools.
*Upgraded reporting layouts for clearer financial insights.

This year, we will conduct file reviews and run training sessions to help you utilise these features. For your Xero needs, be sure to reach out to Emily – our Guru.

Our Tenterfield team remains the same, though some are contributing to the population growth.

Kristy Ware (O’Neill) and Jess Tunks are currently on maternity leave. They will return to the office between October and December 2026.

Our team members continue to progress and receive promotions. We congratulate them on their career steps and success. We are noticing a significant increase in capability and technical skills across our team, and everyone is ready to support you.

We are currently recruiting another accountant to support our expanding firm and continue to support our clients.
Here is our direct team directory. You can contact us in the office on02 6736 1145

Kristen Lovett, Partner / Senior Business Advisor
Kristy O’Neill, Client Services Manager
Lauren Lavea, Client Services and Accounting Officer
Belinda Paynter, Corporate Reception and Client Support
Emily Rhodes, Accounting Officer
Jessica Cabrera, Senior Accountant
Bridget Siljac, Senior Accountant
Erika Artus, Managing Bookkeeper and Accounting Officer
Jess Tunks, Accountant

Please remain on the Findex mailing list to receive our regular seminar invites and regulatory updates. If you are not currently receiving these emails, contact Belinda to add you.

Thank you again for allowing our family to work with yours. We look forward to a successful and productive new financial year.

Warm regards,
Kristen and the Findex Tenterfield Team

12/06/2026

Changes to the CGT legislation could mean implications for landowners with assets installed on their land such as Wind turbines, solar panels and mining equipment.
What does this mean for you ?

https://www.crowe.com/au/insights/significant-capital-gains-tax-amendments-are-coming

07/06/2026

📢 WE’RE HIRING | Accountant / Senior Accountant 📢

Looking for more than just a job?

At Findex Tenterfield, we’re building a team that values collaboration, growth, innovation, and making a real difference for our clients and community. Whether you’re an experienced accountant looking to take the next step in your career or a senior accountant seeking new opportunities, we’d love to hear from you.

Why join our team?

✅ Supportive and positive team culture
✅ Clear career progression opportunities
✅ Ongoing professional development, training and mentoring
✅ Exposure to innovative technology and modern ways of working
✅ Diverse and rewarding client relationships
✅ The opportunity to grow your skills while living and working in a fantastic regional community

We’re passionate about investing in our people and creating an environment where individuals can thrive, develop and build meaningful careers.

If you’re looking for a role where your contribution matters and your career can flourish, check out the details below and apply today.

👇 Follow the link for more information and to apply.

https://careers.findex.com.au/ /sites/CX_1001/job/5348

04/06/2026

❤️ 20 years of memories ❤️

04/06/2026

✨ 20 Years in Business ✨
Anything worth doing is hard work, and there is no truer statement than that when it comes to business.
Twenty years ago, as I sat down and prepared a business budget for a loan application to buy office furniture, I never imagined I would still be here two decades later. Yet here we are. While the wrinkles suggest I've earned every one of those years, my love for what I do is still as strong as it was on day one.
As I've spent this week looking back through photos and memories, one thing stands out above everything else — the people.
The incredible people who have been part of this journey.
My amazing team, both past and present. The mentors who guided me, challenged me, encouraged me and believed in me. The people who backed me when it mattered most. And, of course, my clients.
The clients who became family.
The ones who stopped by just to make a cup of tea. The ones who delivered meals when I had my babies or bought their first gifts. The ones who checked in, shared stories, sought advice, celebrated wins and helped carry the load through life's challenges. Many started as clients and became lifelong friends.
To my team, thank you. Together we've experienced the highest highs and the lowest lows that business can bring. Through it all, you've shown up with loyalty, camaraderie, resilience and spirit. You have stood beside me every step of the way.
To my mentors, thank you for helping shape not only my business, but me as a person. Your guidance, trust and encouragement have been part of every milestone along the journey.
One of the greatest joys has been watching the KLAS kids grow up before our eyes. Babies becoming teenagers, and teenagers becoming young adults. What a privilege it has been to be part of that story.
To my family — my parents, sisters, parents-in-law, brothers-in-law, sisters-in-law, aunts, uncles and cousins — thank you for being my biggest supporters. You've cheered me on, picked up the slack when needed, and celebrated every achievement as if it were your own.
And then there is my husband, Ben.
My incredible and endlessly patient husband who gave me the courage to start, the confidence to keep going, and the strength to persevere. He has stood beside me through every hard day, every great day, every decision, every celebration and every plan. He has been my rock and my greatest supporter while running his own successful business at the same time. I simply couldn't have done it without him.
To my children, Reagan and Beau — you are my why.
You have always been my greatest motivation. I wanted to show you that life is what you make it. That goals can take you places. That hard work pays off. That dreams are worth chasing. After once being told I may never have children, being blessed with you both has been one of life's greatest gifts. You have been my biggest supporters and my proudest achievement.
Over the last 20 years, I have been fortunate to witness so much change. We've supported charities, run fundraisers, sponsored community events, and given back wherever we could. We've navigated economic highs and lows, weathered tough seasons, celebrated incredible successes, and adapted through monumental changes — from COVID, cloud technology and Xero, to now embracing AI.
Through it all, the constant has been supporting our clients and making a genuine difference in their lives and businesses.
As I reflect on the past 20 years, I am incredibly proud of what we've built, the relationships we've formed, the community we've supported, and the legacy we've created.
To everyone who has been part of this journey — thank you.
Thank you for your support, your trust, your friendship and your belief in me.
Here's to 20 years of memories, lessons, laughter and growth.
And here's to the next 20.
❤️

02/06/2026

The change you’ve been waiting for is in the link !!
What are you waiting for ??

https://careers.findex.com.au/ /sites/CX_1001/job/5348.

01/06/2026

📢 WE’RE HIRING | Accountant / Senior Accountant 📢

Looking for more than just a job?

At Findex Tenterfield, we’re building a team that values collaboration, growth, innovation, and making a real difference for our clients and community. Whether you’re an experienced accountant looking to take the next step in your career or a senior accountant seeking new opportunities, we’d love to hear from you.

Why join our team?

✅ Supportive and positive team culture
✅ Clear career progression opportunities
✅ Ongoing professional development, training and mentoring
✅ Exposure to innovative technology and modern ways of working
✅ Diverse and rewarding client relationships
✅ The opportunity to grow your skills while living and working in a fantastic regional community

We’re passionate about investing in our people and creating an environment where individuals can thrive, develop and build meaningful careers.

If you’re looking for a role where your contribution matters and your career can flourish, check out the details below and apply today.

👇 Follow the link for more information and to apply.

https://careers.findex.com.au/ /sites/CX_1001/job/5348.

24/05/2026

What does the budget mean for you, your investments, your business and your future tax picture?

The 2026 Federal Budget delivers major tax reform. Our specialists unpack every key announcement, what’s changed, and what it means in practice for Australia.

24/05/2026

It’s Tax Planning Time!! My favourite time of year (apart from Christmas of Course) and we are well into getting everyone ready for 30 June and a successful 2026/2027. Here’s our tips as you steam into the end of Financial Year.

EOFY 2026 is approaching. Discover key tax planning steps for business owners and family groups, from trust resolutions to CGT concessions and Division 7A.