We are Passionate
ABOUT HELPING YOU GROW YOUR WEALTH
Standard accounting merely reports past performance. We go well beyond that by looking to your future and guiding you towards financial success.

At Embrace Accountants our mission is to help you grow your business. Whether it’s through our expert tax and compliance services or our unrivalled business advisory service, we can assist you in reaching your business goals.
But we’re more than just number crunchers and business strategists. We’re investors. We wholly invest in your business journey and objectives, and will go the extra mile to make your future success a reality.
At the end of the day, we believe this: we don’t just work for you, we work with you. We form trusted and long-term partnerships. In fact, after a lot of our meetings, clients feel they are really being looked after and ask for a hug – and that’s where our name comes from!
We truly embrace your business and commit ourselves to a level of service that’s simply unmatched.
Founded by Antoinette Palmer and based in East Gosford, Embrace is a team of hand-picked Chartered Accountants and CPAs who are not only great with numbers but want to make a difference to people’s lives.
To us, it’s more than just a numbers game. It’s about a sound strategy and expert advice that will propel you towards a more profitable future.
Let’s go there together.
WE SHARE AMAZING CONTENT & BUSINESS IDEAS.
JOIN OUR LIST AND WATCH YOUR BUSINESS GROW.
HOW WE WORK WITH YOU
How do we Embrace your business?
We use the below framework to offer a comprehensive service that gives your business every chance of success.
GETTING TO KNOW YOU
We want to get to know your business, inside and out. We also want to know where your vision lies and what success means to you. Only then can we embark on a journey that begins with mapping out how we’ll work together and what we’ll focus on.
THE NUMBERS GAME
We can’t begin to truly look ahead until we look at your numbers as they stand today. We also need to ensure they’re accurate so you can stay on top of your statutory obligations. Only then can we prepare all your financial accounts and tax returns.
IMPROVING YOUR SYSTEMS
No, it’s not all about numbers with us. To be truly successful you need efficient and streamlined systems and processes that will allow your business to grow seamlessly. We advise on and implement state-of-the-art automated systems that will make a big difference to your bottom line.
THE GROWTH SPURT
A thorough business performance analysis, goal setting exercise, strategic planning, budget and cash flow forecasting – all these exercises will hopefully result in the beginnings of overall growth for your business. Strap in and enjoy the ride.
A RESULTS-ORIENTED APPROACH
This is where we see how much of a growth spurt it really was. We monitor business performance and growth against KPIs, we measure and track outcomes and then we hold accountability meetings to recap and plan ahead.
BACK TO THE FUTURE
We then go back and look at your original goals and objectives to plan ahead for you personally. We address things such as estate planning, wealth creation, asset protection and business succession planning. We leave no stone unturned.
Why Choose Us?
Embrace Accountants works closely with you to reach your long-term financial goals. Here’s how we can help you.

WE ARE PARTNERS
That’s right, we don’t just do your books and wish you luck. We form a unique partnership based on trust and understanding to help you reach your business goals.

WE THINK AHEAD
We embrace the future, setting you up with cloud technology that streamlines your financial reporting. This does two things: it increases the efficiency of your business and gives you more time to be with your family.

WE COMMUNICATE
We love to chat. Especially about your business. At Embrace, the lines of communication are always open. When you ask a question, we answer. When you send an email, we respond in a timely manner.

WE SHARE OUR KNOWLEDGE
We believe that education is a key to success. That’s why we frequently offer educational blogs, seminars and webinars filled with handy info to help you understand your finances and plan for your success.

WE ARE TRANSPARENT
What you see is what you get. And what you get is a team of dedicated advisors, personalised attention, and upfront agreed-upon pricing for all services, meaning no surprise invoices.

WE ARE EXPERIENCED
Enjoy compete peace of mind knowing that your business’ numbers are in the hands of our senior accountants who are qualified as Chartered Accountants (CA) or Certified Practicing Accountants (CPA).

MEET OUR team

Antoinette Palmer
DIRECTOR
Founder Antoinette has more than 20 years experience in public practice. Over much of that time she has specialised in assisting clients in the medical, allied health and building and construction industries. Antoinette is Xero certified, an expert strategist and simply gets great pleasure helping families improve their financial position by improving their businesses.
When not at work, Antoinette enjoys spending time with her eleven grandchildren and their families.

Mandy Hartas
ACCOUNTANT
Mandy is a valued member of the Embrace team, with extensive experience in both commerce and public practice. She is passionate about helping clients improve their business and reaching their objectives ahead of time.
Mandy is a self-confessed foodie and an animal lover, especially dogs and horses.

Tracey Dovey
ACCOUNTANT

Patricia Sanfilippo
ACCOUNTANT
Patricia joined the Embrace Team in 2021 and has worked as a public practice accountant on the Central Coast since 2001. Patricia enjoys working with her clients to achieve their business objectives and meet their tax obligations. Patricia ensures her client’s needs are always a priority and enjoys helping them improve their business.
Outside of work, Patricia is busy mum to 3 boys and loves spending time reading, cooking and gardening.

Beth Wheeler
ADMINISTRATION ASSISTANT
Beth met Antoinette as the bookkeeper for her partners small business.
With the potential to be the best admin assistant EVER, Antoinette HAD to hire her.
With 25 years experience in customer service and small business experience, Beth joined the Embrace team in 2020.
Beth enjoys working with clients and learning from Antoinette and the accountants at Embrace.
When Beth is not working she is busy distracting the accountants at Embrace from their work.
Beth has lots of free time because she keeps taking holidays. Beth is also the mother to 4 children.

Renee Padberg
BUSINESS DEVELOPMENT MANAGER
Renee is a jack-of-all-trades with an analytical background. Our in-house excel guru with exceptional database management skills, Renee keeps our internal systems running smoothly and ensures everything integrates seamlessly with our cloud software.
A self-confessed nerd, Renee plays Dungeons & Dragons and board games in her spare time.
ARE YOU READY TO GET YOUR FINANCES IN ORDER AND SEE BETTER PROFIT MARGINS?
Let our highly trained accountants show you how we can help your business.
hello@embrace.email T 02 4322 9044
Suite 5 & 6, 69 Webb Street, East Gosford NSW 2250
“My passion in life is to help someone go from being overwhelmed financially to actually reaching financial goals they never thought possible,”
SAYS ANTOINETTE.