I didn’t move to Argyll to take over—I moved here to belong.
After years working as an accountant and running my own business, my wife and I made a decision in late 2024 to relocate to Argyll-finding a loch side property we could make our own. We were drawn by the landscape, yes—but also by the people. There’s a sense of community here that you don’t find everywhere. And when I spoke to local business owners, I kept hearing the same thing:
- “It’s hard to get hold of my accountant.”
- “They used to be good, but now it’s like they don’t care.”
- “I just want someone who actually understands my business.”
That’s why I started Cowal Accountants.
That’s me along with the furbabies. In the top right, Munro when he was just a wee pup, happily planting his paw right on my eye. In the middle, Nevis, the youngest, is stretched out enjoying a belly tickle. And at the bottom, Daisy—the real boss of the house—keeps a close eye on me as I sneak a cocktail sausage.
A Different Kind of Accounting Practice
I’ve been in this profession since I was a teenager, starting as a modern apprentice and eventually qualifying as a Chartered Management Accountant. I’ve worked in tax, payroll, and compliance, and passed all my exams on the first attempt—completing my chartered qualification in 97 days, thanks to earlier qualifications that let me fast-track.
But the truth is, none of that matters if I don’t use it to help people like you.
I don’t see myself as just an accountant. I see myself as a business owner who happens to be good at numbers. And that perspective matters—because it means I understand that behind every invoice, every tax return, and every budget line is a person making decisions, taking risks, and trying to build something that lasts.
It’s Not Just About Filing Tax Returns
Yes, I do the technical stuff—accounts, tax, payroll, VAT. But the real work happens in-between.
The real value comes from a conversation in August that prevents a mistake in December. From knowing how you keep your records. From remembering that you were thinking of hiring someone—and checking in before you do. From making sure that what’s tax-efficient is also aligned with what you’re trying to build.
That’s the kind of relationship I want to have with every client.
I don’t outsource. I don’t hide behind a receptionist. When you email me, you get me. When we speak, it’s me. And if you want to meet for a coffee and talk things through, I’ll make the time.
A Fairer, More Personal Model
I keep my client base small so I can do the job properly. I don’t lease fancy offices. My overheads are low, my pricing is fair, and I don’t believe in charging for things that don’t add value.
I’m not trying to compete with the biggest firms—I’m here to offer something better. Something more personal. Something more honest.
If that sounds like the kind of accounting relationship you’ve been looking for, I’d love to talk.