Stem Rural Accountants Limited

Welcome to Stem Rural Accountants Limited, located in Te Puke, Jellicoe Street, New Zealand. As an accounting and finance institution, Stem Rural Accountants is a point of interest for individuals and businesses seeking professional financial services.

At Stem, our team of accountants comes from rural backgrounds, and we aren't afraid to get our hands dirty. We believe in rolling up our sleeves and getting on with the work, which includes going beyond the office walls to understand our clients' businesses better. By getting under the bonnets of our clients' businesses, we can determine the best tools and strategies to provide effective assistance.

We are firm believers in proactive approaches, just like maintenance, to achieve the best results for your business. Our dedicated team is always on the lookout for opportunities that other accountants may have overlooked. If there's a better way to optimize your business, we'll find it for you.

No matter what your objectives are, whether it's taking care of business, achieving exponential growth, or anything in between, the Stem team is ready to roll up our sleeves and get busy.

One of our standout services is our No Surprises tax service, which utilizes the Accounting Information Method (AIM) for paying income tax instead of the traditional Standard provisional tax method. With AIM and Xero, we can calculate your income tax every two months, allowing you to pay it along with your GST. This means you only pay tax when you make a profit, and if you've overpaid, you can receive a refund immediately.

To qualify for our No Surprises tax service, you need to have an annual turnover of under $5m, be an individual or a company (no Trusts or Partnerships at this stage), and use approved accounting software, such as Xero. We currently have over 100 clients benefiting from our AIM method, and they all agree that it's the best decision they've made, with no surprises.

Our commitment to innovation and efficiency has gained recognition, including being finalists in the 2020 Diversity Awards NZ in the Work Life Balance category, as well as winning a small organization excellence award. We implemented a successful six-hour workday for our team, inspired by Stephan Aarstol's book, "The Five Hour Workday," with our own twist.

At Stem, we understand the unique needs of different industries. For dairy and drystock farmers, we utilize Figured, which seamlessly integrates with Xero. This enables you to confidently plan and re-forecast with real-time information, especially when conditions change. We can also automatically update your forecasted income for Fonterra suppliers when dairy price changes are announced.

Our team goes above and beyond for our clients, such as when PSA hit Trudi's Kiwifruit clients in Te Puke. Trudi worked tirelessly to ensure a law change that made the costs to the growers fully tax deductible. You can learn more about this in our informative video.

Additionally, we provide valuable resources on various topics, such as the difference between employees and contractors and which business expenses you can claim against tax.

If you feel that your current accountant isn't quite cutting it and it's time for a change, Stem Rural Accountants Limited is here to provide the professional financial services you need. Contact us today to experience the Stem difference.