Your local First Class Accounts bookkeeping expert.

We lift the burden of bookkeeping with expert advice at every turn so you never feel alone.

We have the latest training in Australia’s MYOB and Xero software so you receive the most accurate bookkeeping.

Focus on running your business and we’ll focus on running your books.

We make dealing with us easy so you can worry less and focus on your business.

Summer To – Terrigal

At First Class Accounts Terrigal, where expert bookkeeping meets personalised service.

Led by Summer To, First Class Accounts Terrigal brings seasoned expertise in commercial accounting, project management, and industry support. With a background spanning health and hospitality sectors, we understand the diverse needs of businesses across various industries.

Our commitment to excellence is unwavering. We offer a comprehensive range of services, from streamlined payroll processing to in-depth business analytics, and from outsourced finance functions to serving as a remote CFO.

At First Class Accounts Terrigal, integrity and professionalism are our cornerstones. We prioritise building strong client relationships, delivering accurate and compliant reporting promptly.

Our mission is simple: to empower our clients to work smarter, grow faster, and thrive. Serving the wider community, we extend our professional and responsive services to SMEs.

First Class Accounts Terrigal is here to lighten your workload. Let us handle your books, while you focus on what you love.

Summer To of First Class Accounts Terrigal is a registered BAS Agent

BAS Agent Number 26207313

Specialist in Bookkeeping services

Weekly, monthly, quarterly and annual accounts

Reporting the earnings of a business by stating all relevant income and all expenses that have been incurred to generate that income.

Payroll Services inc PAYG Withholdings, and STP setup

Ensure your staff are paid the correct rates and paid according to the correct hours worked.

Management reporting, consolidations and analysis

Key information about the financial state of your business in language you can understand.

Set up and maintenance of accounting systems

Including Inventory & Payroll and keeping all reconciliations up to date.

Software Training

Training and support in all Accounting Software products (MYOB, Reckon, Intuit and Xero) and associated app/addon training.

Bank Reconciliation

Key information about the financial state of your business in language you can understand.

Cost analysis and controls

Generating profit and loss reports as well as balance sheet to be informed at all times.

Data input manual or automated processes

Making sure all information is entered and bank reconciliations are up to date.

Debt Management

Making sure receivable accounts are monitored and collected on time.

Cash Flow Management

Monitoring income and expenditure to establish your immediate cash flow.


Setting up budgets to help you run your business.


  • Successfully completed the First Class Accounts Accredited Training Program
  • Fully trained in accounting software
  • Fully registered and authorized to trade as a First Class Accounts professional bookkeeper
  • Member of Australian Bookkeepers Association (ABA), CPA Full member
  • Bachelor of Commerce – Accounting

Trusted by Businesses across Australia

Serving clients in Terrigal, Central Coast and beyond

  • 2260 Terrigal
  • 2257 Umina Beach
  • 2256 Woy Woy
  • 2251 Kincumber
  • 2260 Wamberal
  • 2257 Ettalong Beach
  • 2251 Green Point
  • 2251 Avoca Beach
  • 2251 Saratoga
  • 2251 Copacabana

Contact us for a free initial consultation

Book an appointment using our online system.