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Cinda Lovato

Owner / Accountant

I have a bachelor of science degree in accounting and I have over 20 years of accounting experience, in both public (CPA and non-CPA firms) and private company accounting. Past experience includes industries such as land development (including St. Cloud, MN's largest housing development), nurseries & landscape, commercial building construction, daycares, auction houses, cottage food producers, service, retail and wholesale businesses.


I have experience in all facets of running a business including A/R, A/P, payroll, multi-state sales & use tax, 1099 compliance & reporting, work comp & yearly audits, income tax, financial statement preparation, reconciliations, depreciation/amortization,  inventory management, monthly and yearly closing, risk management, human resources and more.  I have extensive experience working with construction companies who need to bill WIP with retainage using AIA documents, collect and submit lien waivers, pay prevailing wages, etc.  Although I enjoy working with all businesses, I particularly enjoy working with the self-employed, construction and land development companies. I have a passion to help companies succeed whether they are a start-up or a long-time multi-million dollar company.  I'm well organized and love turning chaos into an organized & efficient system.  With a commitment to excellent customer service and accurate & useful financials, we make sure our clients are always booked and balanced.


I was top in my class in many subjects including various accounting courses, economics, business & individual tax and others.

*  AAS Degree, Northland & Community College, 1999
*  Bachelor of Science Degree in Accounting, Saint Cloud State University, 2001

*150 semester hours of college coursework, eligible to sit for the CPA exam

*  President's List - NCTC - 1998 & 1999

*  Academic Excellence Award - NCTC 1998 & 1999
*  Phi Theta Kappa Honor Society Member

*  Recipient of American Legion Scholarship (1999)

*  College Tutor - Principal of Economics

*  Past Advisory Board Member of TRF Early Childhood & Family Education Program

*  Past Long-Range Strategic Planning Committee Member - Private School

*  Past Girl Scout and Boy Scout Troop Leader

*  Former tutor for homeschooled students in a variety of subjects including Latin, math, debate, logic and many others

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