Who are TJL?

Our Values. Our Team. Our Impact

Securing every aspect of your financial future

Contact Us

About Us

At TJL Business Advisors & Accountants, our mission is to guide you in organizing and managing your finances to secure every aspect of your financial future. Regardless of your age, circumstances, or life situation, we can help you implement strategies and protections to ensure your finances are always working for you behind the scenes.


Founded in 2008 by Tony Lumtin in Sydney's Sutherland Shire, TJL began with a single office and a vision. From these, humble beginnings, we rapidly expanded, adding Financial Planning and Insurance divisions by 2016.


Today, TJL comprises three divisions with six partners and a dedicated team of experienced professionals spanning nearly every financial field. We are committed to helping you build a better financial future.

There is a Plant in a Vase on the Table — TJL Business Advisors & Accountants in Forster, NSW

Securing every aspect of your financial future

Proudly located in the Great Lakes and Hastings regions, TJL combines local expertise with a broad reach, serving a diverse clientele across Sydney and throughout Australia. With a commitment to excellence and personalised service, we offer a range of comprehensive solutions tailored to meet the unique needs of our clients, no matter where they are located.

A Man Is Shaking Hands with Another Man While Sitting at A Table — TJL Business Advisors & Accountants in Forster, NSW

Community Support

Community is at the heart of what we do.


We love where we live and we believe in the importance of giving back to the community.


We are proud to be the Event Partner for the annual Ronald McDonald Family Retreat Charity Golf Day, which is held in October/November every year and is the largest fundraiser for the Forster retreat.


The Ronald Macdonald Family Retreat comprises 4 cabins that are available to families with a sick or injured child, enabling them the chance to escape for a much-needed break away. We believe that this is a vital asset to our community and it deserves our continued support year-on-year.


We are also proud to be the major sponsor for Motorsport 25, a local motorsport team that competes in the Aussie Racing Championship. We are also major supporters of the annual Kristylea Bridge Cup which raises money for local cancer charity Manning Valley CanAssist.


In addition to these major sponsorships, we are also proud to be able to support many other local sports teams and organisations.

Get in Touch

Meet the Team

We take great care in choosing new team members, ensuring a perfect blend of fresh, young talent and experienced industry veterans. Our team is dedicated and driven, combining innovative thinking with expert knowledge to help our clients achieve success.

Tony Lumtin

TONY LUMTIN

MANAGING DIRECTOR / CHARTERED ACCOUNTANT / FINANCIAL PLANNER / JP


Tony is a qualified Chartered Accountant and Financial Advisor with over 25 years’ experience in the accounting and financial advice field, uniquely advising in all facets of small to medium enterprise, ensuring that clients’ goals and objectives are looked at holistically.


Through his background in Business Advisory he is able to identify and provide structuring advice, taxation compliance and planning, management reporting services and wealth creation strategies, working closely with clients to assist in the growth of both their business and personal lives. Throughout his career he has gained experience in small and medium family-based businesses, as well as large listed and non-listed entities.


Tony enjoys working closely with business owners to enable them to achieve both their business and personal goals. Getting back personal time to do what you most enjoy is one of the most important aspects of running a small to medium sized business, and Tony encourages all owners to achieve this. Tony is often approached to become a Non-Executive board member of these businesses, which he thrives on. Despite now residing on the Mid North Coast of NSW, Tony is still able to achieve this with businesses in Sydney or abroad, thanks to the utilisation of technology.


When he’s not in the office telling dad jokes, Tony can be found spending time with his family, out on the boat, or having a quiet (loud) beer watching the Dragons!


Contact details

tony.lumtin@tjlbiz.com.au
Tony Lumtin

Tony Lumtin

SENIOR ACCOUNTANT & FINANCIAL PLANNER / AFP® /DIPFP / FCA / ANZ


Tony is a Chartered Accountant and Financial Advisor with over 25 years experience, offering expert advice in all aspects of small to medium enterprises. He provides holistic solutions, including structuring advice, taxation compliance & wealth creation strategies. Tony excels in helping clients grow both their business & personal lives. Residing on the Mid North Coast NSW, he stays engaged with businesses across Sydney and beyond. Outside work, Tony enjoys telling dad jokes, spending time with his family, boating & cheering on the Dragons.


Contact Tony:

tony.lumtin@tjlbiz.com.au

0410 683 023
Jackie Burley

Jackie Burley

SENIOR ACCOUNTANT / B.BUS / FIPA / JP


Jackie is a Affiliate Chartered Accountant with over 25 years of experience in the industry, excelling in navigating the complexities of the Australian Tax System. She helps clients structure and plan to minimize obligations while staying compliant. With a solid foundation in computer information systems, she designs cost-effective business systems. Outside of work, Jackie enjoys assisting her husband in their local manufacturing company, spending time with family, dreaming of future holidays, and playing golf.


Contact Jackie:

jackie.burley@tjlbiz.com.au

0427 538 533
Geoff Isaacs CFP®

Geoff Isaacs CFP®

SENIOR FINANCIAL PLANNER / BBUS (FINPLAN) / JP


With a Bachelor's in Business and over a decade of experience in helping his clients, Geoff recognises that every client is unique and the only way to advise effectively is to have a deep understanding of their goals both financial and lifestyle based. When away from the finance world, you find Geoff with his young family enjoying the local area or spending time on his family's farm.


Contact Geoff:

geoff.isaacs@tjlbiz.com.au

0420 621 987
Todd Bridge

Todd Bridge

SENIOR ACCOUNTANT / CA / B.COMM


Todd is a Chartered Accountant who joined TJL in 2016 with over 10 years of experience in public practice. Specialising in cloud-based software, financial accounting, and cash flows, Todd excels in all aspects of accounting. His clients appreciate his meticulous attention to detail and unwavering commitment to providing exceptional service. Todd’s expertise and dedication make him a highly valued member of our team.


Contact Todd:

todd.bridge@tjlbiz.com.au

0423 310 626
Brandon Gilmour

Brandon Gilmour

SENIOR FINANCIAL PLANNER / DFP / GDFP


Brandon joined the TJL team in 2016 after eight years in the banking industry. She holds a Diploma and Graduate Diploma in Financial Planning, completed in 2022. As a valued adviser in the Financial Planning division, Brandon also manages compliance and customer relations. Outside of work, she enjoys exploring the beautiful Forster-Tuncurry area with her husband and two busy children.


Contact Brandon:

brandon.gilmour@tjlbiz.com.au

0402 763 834
Rhiannon Isaacs

Rhiannon Isaacs

SENIOR ACCOUNTANT / B.COM. / CA


Rhiannon began her career in the family business straight out of school and pursued external studies through UNE while working full-time, eventually completing her CA. With 25 years of experience, including expertise in SMSFs, she brings extensive knowledge to her role. Rhiannon enjoys sports, particularly tennis and dressage, and loves camping with her husband and son. She also enjoys reading and socialising with friends.


Contact Rhiannon:

rhiannon@tjlbiz.com.au

0421 740 767
Sharon Hailes

Sharon Hailes

ACCOUNTANT


Sharon brings a wealth of experience specialising in comprehensive accounting services, including computer accounting, Business Activity Statements, and payroll obligations. With a deep commitment to her work, she enhances our team’s capabilities through her profound expertise. Outside of the office, Sharon enjoys exploring the region’s natural beauty and spending quality time with her three grandsons. Her dedication and experience make her a valuable asset to our practice.


Contact Sharon:

sharon.hailes@tjlbiz.com.au

0400 044 314
Adam Phillips
Cameron Dunk

Cameron Dunk

CERTIFIED FINANCIAL PLANNER / BBUSBCOMM / BCOMM(HONS) / DFP / GDFP / JP


Cameron is a Certified Financial Planner® who joined TJL in 2019. He holds a combined Bachelor of Business/Commerce degree, a Bachelor of Commerce (Honours) degree as well as a Graduate Diploma in Financial Planning and the Certified Financial Planner® course. Passionate about investing, Cam excels in creating comprehensive financial plans having completed a thesis on the relationship between share prices and dividend payout policy. Raised in Forster, he enjoys sports and spending time with family and friends.


Contact Cameron:

cameron.dunk@tjlbiz.com.au

0432 106 826
Melinda Temple

Melinda Temple

CLIENT SERVICE OFFICER


With over 19 years in the banking and finance industry, Mel brings strong expertise in customer service. Passionate about helping people, she has built great rapport with both customers and colleagues. Mel works hard behind the scenes to ensure everything runs smoothly in the Financial Planning division and takes pride in helping customers achieve their financial goals. Outside of work, she enjoys quality time with her family, including her beloved fur babies.


Contact Mel:

melinda.temple@tjlbiz.com.au
Rebecca Arkle

Rebecca Arkle

ACCOUNTANT / BBUS (ACC)


Bec completed her Bachelor of Business, Majoring in Accounting and is currently completing her Chartered Accountant Certification She joined TJL in August 2022, bringing five years of experience from a Coffs Harbour firm and a background in personal lending. Bec specializes in tax and GST matters with extensive experience in accounting software. Outside work, she enjoys time with family, deep-sea fishing, watching sports, and planning trips with her partner.


Contact Bec:

rebecca@tjlbiz.com.au
Meleena Katuwal

Meleena Katuwal

ACCOUNTANT


Meleena joined our accounting team in December 2021, bringing with her a Master’s degree in Professional Accounting from Charles Sturt University and a strong passion for the field. She plays a key role in assisting clients and client managers with all tax matters, specialising in individual tax returns. When she’s not working, Meleena enjoys spending time with her friends and family, indulging in her love for reading, and traveling to new destinations.


Contact Meleena:

meleena.katuwal@tjlbiz.com.au
Sean Guerin

Sean Guerin

ACCOUNTANT / BBUS / LLB


Sean holds degrees in Business and Law and has a diverse background that includes experience with Big 4 Accounting firms and the Commonwealth Government. With a strong foundation in both business and legal disciplines, Sean brings valuable insights to his role. Outside of work, he is passionate about the outdoors, enjoying activities like camping and hiking. Sean embraces every opportunity to connect with nature and explore new adventures.


Contact Sean:

sean@tjlbiz.com.au
Alex Alikhani

Alex Alikhani

ACCOUNTANT


Alex relocated from Dubbo to enjoy a coastal lifestyle. With a strong background in accounting, Alex is skilled at helping clients navigate their financial needs with precision and insight. Outside of work, Alex enjoys exploring the coastal surroundings with his family and embracing the relaxed lifestyle the region offers. 


Contact Alex:

alex@tjlbiz.com.au
Jacqui Hallett

Jacqui Hallett

Jacqui brings loyalty, commitment, and a contagious sense of humour to the TJL team. Known for her bubbly personality and keen attention to detail, she excels in providing accounting support, including corporate compliance, bookkeeping, payroll, and BAS preparations. Holding a Certificate IV in Accounting, Jacqui returned to the workforce after raising her children and a 14-year career in banking. Jacqui enjoys spending time with family, reading, cooking, and savouring good food and wine.


Contact Jacqui:

jacqui@tjlbiz.com.au
Nicole Cox

Nicole Cox

GENERAL INSURANCE BROKING - ACCOUNT EXECUTIVE


Nicole brings over 15 years of experience in administrative roles and 2 years in the insurance industry. She is Tier 1 qualified in General Insurance Broking and is dedicated to helping clients find the best coverage for their needs. Recently relocated to the Mid North Coast with her two children, Nicole enjoys exploring the local area and discovering new places with them. Her extensive background and commitment to client service make her a valuable asset to our team.


Contact Nicole:

nicole@tjlins.com.au

0490 414 091
Danielle Evans

Danielle Evans


Danielle grew up in Laurieton and brings a passion for customer service and organisation to our administration team. With 10 years of experience running her own business, she understands the importance of efficiency and attention to detail. After taking two years to focus on raising her son, Danielle is excited to return to the workforce. She enjoys photography, op shopping, and baking - and is always happy to lend a helping hand.


Contact Danielle:

danielle@tjlbiz.com.au
Jodi Lane

Jodi Lane


Coming from a background in Strata management, Jodi brings over five years of customer service experience. Local to Forster, Jodi is dedicated to providing exceptional service with a friendly, professional approach.

When she’s not making your customer experience as smooth as possible, Jodi can be found running or enjoying quality time with friends and family.


Contact Jodi:

jodi@tjlbiz.com.au
Sarah Alliston

Sarah Alliston

GENERAL INSURANCE BROKING - ACCOUNT MANAGER


Sarah brings over 24 years insurance broking experience to TJL, with a Strong focus on Operational Excellence and Relationship Management. Sarah has a niche ability to create and deliver tailored solutions to customers, by utilising her knowledge in both the sales and networking aspect of her role.

Sarah has a firm interest in the Health and fitness space, often found in the water free diving and spear fishing… or participating in long distance running, weightlifting and Physical Culture competitions.


Contact Sarah:

sarah@tjlbiz.com.au

0422 203 255

ACCOUNTING TEAM

Jacqueline Burley

JACQUELINE BURLEY

DIRECTOR/CLIENT MANAGER/ACCOUNTANT/JP


Jackie is a Partner of the firm and as a fellow member of the Institute of Professional Accountants, she maintains a high level of professional development. Over the 25 years she has worked in the industry, she has developed a deep understanding of the complexities of the Australian Tax System, and uses this knowledge to assist clients to structure and plan in such a way to minimise their obligations while ensuring they stay on the right side of the law.


She has a solid foundation in computer information systems and loves to design cost-effective cohesive business systems using leading edge computer accounting and associated technologies. Decades of experience with MYOB and Xero provides outside-of-the-box thinking on the best way to relieve business owners from the “boring parts” of running their business.


Jackie’s spare time is divided between assisting her husband with their local manufacturing company, spending time with family and dreaming of future holiday destinations.


Contact details:

jackie.burley@tjlbiz.com.au

TODD BRIDGE

DIRECTOR/CLIENT MANAGER/ACCOUNTANT


Todd started with TJL in 2016 and in July 2022 became a partner of the business. He became a full member of institute of chartered accountants in 2019 and has over 10 years’ experience working in a public practice. He enjoys all aspects of accounting and particularly enjoys working with business clients to help them grow and expand. Todd has a variety of skills, including cloud-based software, financial accounting and cash-flows, and his clients will attest to his attention to detail and commitment to providing the highest level of service at all times.


Todd is an avid sports fan and loves to watch and play most sports, especially golf and rugby league. When not working or playing sport, Todd spends much of his time with his wife trying to tire their three young children out in any way possible.


Contact details:

todd.bridge@tjlbiz.com.au

SHARON HAILES

CLIENT MANAGER/ACCOUNTANT


Sharon has worked in the practice since July 2001 and specialises in assisting clients with all their accounting needs including computer accounting, preparation of Business Activity Statements and Payroll Obligations. Sharon is also responsible for the preparation of Financial Statements and Tax Returns for Individuals, Partnerships, Companies, Trusts and Self Managed Super Funds.


When away from the office, Shaz enjoys exploring our beautiful outdoors and spending time with her three gorgeous grandsons.


Contact details:

sharon.hailes@tjlbiz.com.au

ADAM PHILLIPS

CLIENT MANAGER/ACCOUNTANT


Adam joined our team in January 2022, coming from 10 years in the Public Accounting industry advising small and medium businesses with his vast knowledge from many accreditations, including; Advanced Diploma of Accounting, Bachelor of Business, Certificate in Financial Services, CPA, Certified Xero Advisor, Registered Tax Agent.


Prior to his career in Accounting, Adam's background in landscaping, farming, retail and 10 years in the pub industry has provided him with a unique ability to relate to his clients both on a personal level and provide a deeper understanding of their business’s needs.


Adam enjoys fishing, fitness and spending time with his family outside work.


CONTACT DETAILS:

adam.phillips@tjlbiz.com.au

LORA HINTON

ACCOUNTANT


Lora joined our Accounting team January 2021. She has completed her Diploma in Accounting and is currently studying a Bachelor of Accounting with Southern Cross University.


Lora returned to the local area in 2019 after working with respected firms in the Newcastle region and gaining vast experience in taxation. Lora is Xero certified and is a motivated and passionate worker who always puts her clients’ best interests first.


Lora loves the outdoors and spends her spare time at the beach with her husband, kids and little dog.


Contact details:

lora.hinton@tjlbiz.com.au

MELEENA KATUWAL

GRADUATE ACCOUNTANT


Meleena joined our accounting team in December 2021. She earned her Master’s degree in Professional Accounting from Charles Sturt University and always has had an interest in Accounting.


Meleena assists our clients and client managers with all tax matters and specialises in individual tax returns.


When she’s not working, Meleena enjoys reading and travelling with her friends and family.


Contact details:

meleena@tjlbiz.com.au

REBECCA ARKLE

ACCOUNTANT


Bec completed her Bachelor of Business majoring in Accounting in 2017 at Southern Cross University when she lived in Coffs Harbour with her family and is currently completing her studies to become a Chartered Accountant. She joined our team in August 2022 after spending 4 years working as a personal lender, followed by 5 years at a local accounting firm in Coffs Harbour gaining valuable knowledge in taxation. Bec assists our clients with all tax and GST-related matters, including having vast experience with accounting software, especially QuickBooks.


When away from the office, you will find Bec out deep sea fishing with her partner, walking their dogs at the beach, playing golf, clay target shooting or watching NRL and the F1s.


Contact details:

rebecca@tjlbiz.com.au

MITCHELL SCHUBERT

ACCOUNTANT


Mitch started with TJL in March 2023 after completing a Bachelor of Accounting at Charles Sturt University and a few years’ experience with another practice. His experience in taxation legislation, especially through the COVID 19 Pandemic, has equipped him with many skills to benefit our clients; he has extensive knowledge ranging from tax returns and financial statements for all entities to working on self-managed superannuation funds.


Mitch is continuing his qualifications further by aspiring to successfully becoming a member of the Institute of Chartered Accountants.


He enjoys helping his clients with all their taxation needs and spending his free time with his young family.


Contact details:

mitchell@tjlbiz.com.au

INSURANCE TEAM

Shaun Davison

SHAUN DAVISON

Insurance Broker


Shaun joined TJL when the Insurance division was established in 2016. With more than 25+ years’ insurance industry experience, Shaun holds a Diploma in Financial Services (Broking) and enjoys the diversity of managing the insurance needs of both personal and business clients. Like Matt, Shaun is widely known for his exceptional service and commitment to finding solutions for his clients. Shaun relocated to Forster in early 2013 and is married with three young girls. His wife was born and raised in Forster and Shaun is heavily involved with many community activities, helping him feel like a true local himself.


He spends his time on the committees of Southern United Football Club and the Forster Tuncurry Mudcrabs and can often be seen teeing off at Forster Tuncurry Golf Club.


Contact details:

shaun.davison@tjlbiz.com.au

MATT MCQUILLAN

INSURANCE BROKER


Matt has been in the insurance industry for more than 10 years, quickly moving up the ranks before joining TJL Insurance in 2016. Matt offers our clients advice in all facets of business, personal, and general insurance, and is well known for his exceptional level of service and willingness to go the extra mile. The many testimonials we get from happy clients affirm Matt’s commitment to ensuring every claim is handled quickly and professionally.


Matt was a chef in a former life, and in his spare time, he loves nothing more than being in the kitchen or at the BBQ cooking up a storm, spearfishing, and having a yarn with his friends and family.


Contact details:

matt.mcquillan@tjlbiz.com.au

KYM VISSER

Insurance Agent


Kym embarked on her journey in the Insurance industry in 1989, partnering with the longtime insurance broker, Graham Herring. Following an extensive collaboration of over two decades with Graham, and the sale of his business’s, Kym remained deeply entrenched in the insurance industry as an agent in Taree for an additional 6 years.


Kym is looking forward to sharing her extensive knowledge with our clients, many of whom she has collaborated with previously throughout her years of experience.


During her leisure hours, Kym takes pleasure in engaging with her community and cherishing the role of a caring babysitter to her ever-expanding brood of grandchildren.


We are excited to welcome Kym to our team, her expertise and dedication will undoubtedly enrich the service we provide to our valued clients.


Contact details:

kym@tjlins.com.au

FINANCIAL PLANNING TEAM

Geoff Isaacs CFP®

GEOFF ISAACS CFP®

SENIOR FINANCIAL PLANNER / JP


Geoff joined the TJL group in June 2020 as a senior financial advisor and became partner in July 2022.


Geoff has completed a Bachelor of Business (Financial Planning) from RMIT and holds the Certified Financial Planner® designation.


After completing his schooling on the Mid North Coast, Geoff spent almost 5 years living in the UK where he played cricket with a handful of home county sides. Geoff returned to Australia in 2010 then spent close to a decade working in advice firms across Sydney.


Having developed a significant knowledge base across the financial planning spectrum, Geoff strongly believes the basis for quality advice is a deep understanding of a clients’ goals, both financial and lifestyle-based. Geoff works with a wide range of clients and understands that each client’s situation is unique and requires tailored outcomes to help them achieve their objectives.


Geoff is a keen sportsman and although his playing days are fast fading, he still enjoys watching almost all sports. Away from work you’ll find Geoff testing his resolve with few rounds of golf, enjoying the coastal walks of the local area with his wife Deb or spending time on his family’s farm.


Contact details:

geoff.isaacs@tjlbiz.com.au

CAMERON DUNK CFP®

FINANCIAL ADVISER / JP


Cameron is one of TJL’s highly qualified Financial Planners and holds the Certified Financial Planner® designation.


He joined the TJL Financial Management team in 2019 after completing a combined Bachelor of Business/Bachelor of Commerce, followed by a Bachelor of Commerce (Honours) at the University of Newcastle. Cam has also completed a Diploma of Financial Planning through Monarch Institute and a Graduate Diploma in Financial Planning through the University of New England.


Cam likes to look at the big picture and enjoys working with people to create plans to better their financial situation. He is truly passionate about investing having completed a Research Thesis on the relationship between share prices and dividend policy in Australia for his Honours degree where he received Class I Honours.


Cam was born and raised in Forster and likes to spend his spare time with his family and friends enjoying the beautiful area we live in. He also enjoys his sports and has involvement in the local touch football and rugby league clubs.


Contact details:

cameron.dunk@tjlbiz.com.au

BRANDON GILMOUR

FINANCIAL ADVISER / COMPLIANCE OFFICER


Brandon joined the TJL team in 2016 after branching away from 8 years in the banking industry.


She holds a Diploma in Financial Planning and a Graduate Diploma in Financial Planning which she completed in 2022. Since joining the team she has become a valued adviser in the Financial Planning division while also handling compliance and customer relations.


Brandon likes to spend her free time enjoying the beautiful Forster Tuncurry area with her husband and 2 young children.


Contact details:

brandon.gilmour@tjlbiz.com.au

MELINDA TEMPLE

CLIENT SERVICES OFFICER


Melinda has worked in the banking and finance industry for over 19 years with strong expertise in mortgage writing and customer service. Melinda loves working with people and has a great rapport with customers and colleagues. She gets great satisfaction in helping customers achieve their goals.


Melinda and her family have lived in the area for decades. She loves spending her spare time with them and her animals.


CONTACT DETAILS:

melinda.temple@tjlbiz.com.au

ADMINISTRATION TEAM

Jessica Jugovac

JESSICA JUGOVAC

Office Manager/Administration


Jess joined our administration team in December 2015.


She completed her Diploma of Business Management and with over 14 years experience in customer service, Jess still enjoys learning new skills and teaching others.


She enjoys spending her spare time with her young family being outside and exploring our beautiful area.


Contact details:

jessica.jugovac@tjlbiz.com.au

SUE MAY

OFFICE MANAGER / ADMINISTRATION


Sue relocated to our lovely area from Sydney to enjoy the beaches and lifestyle Forster has to offer.


With over 30 years of administrational experience with the past 9 years in accounting firms, Sue’s knowledge in accounting operations and procedures is a great asset to our office and staff. She oversees the smooth running of our business, providing guidance and support to our administration team.


Sue enjoys spending her weekends with friends and family, gardening or relaxing watching a good movie.


Contact details:

Sue@tjlbiz.com.au

Supporting Our Local Community

At TJL Business Advisors & Accountants, we are passionate about supporting our local community and fostering growth and success for businesses around us. We believe that thriving local businesses create a stronger, more vibrant community for everyone.


Our commitment to local support extends beyond our professional services. We actively engage in sponsorships that benefit the community, contributing to local events, educational initiatives, and charitable causes. Through our sponsorships, we aim to uplift and empower the people and businesses that make our community unique.


Whether it's sponsoring local sports teams, participating in community events, or supporting local charities, TJL is dedicated to making a positive impact. Our investment in the community reflects our belief that when we all work together, we create a brighter future for everyone.