About Us

Refreshingly straight-talking

We don’t have a crystal ball to predict what the future will hold, and that’s why we’re not going to promise to outperform the stock market or make you a millionaire. But we can promise to deliver a made-to-measure advice and recommendations that will put you confidently in control of your financial situation.

Life-Centred Financial Planning

At Argyll Financial, we’ll always talk to you about yourself and your needs first, and about your money, second. We work that way because we believe that the best return on investment in the world is worth nothing if it doesn’t deliver the life you want to live and the future you want to be part of.

Reassuringly responsible

We firmly believe that the best financial decisions aren’t based on investment products: they’re based on people. But whenever we do recommend investment products, we will only ever select ESG funds: that is, ethical investment products that are committed to responsible practice in terms of their Environmental and Social commitments and their Governance.

By aligning our investment practice with our own values, together with our clients we are playing a part in building a more positive economy for the future.

Principles we live by


The latest new fund or “best” financial product will never change your life: but Life Centred Financial Planning delivered year after year most certainly can. Here are the values that we live and work by.


We will help you get your financial house in order, and to keep it that way: from lifetime income and expenditure needs, through to tax planning, investments, protection, mortgage choices & estate planning.


We help you achieve the outcomes that matter most to you by working with you to prioritise your goals, creating step-by-step action plans, and helping you keep track of your progress towards achieving them.


We don’t do smoke and mirrors: with our transparent, clear pricing, our secure online client portal and our straight-talking expert team, we put the financial facts at your fingertips, whenever and wherever you are.


We work with you to anticipate your life transitions and to be financially prepared for them, regularly assessing what is coming and so we can build action plans to address and manage issues ahead of time.


We empower you to align your money with your values, by recommending only those investment products that are deemed responsible according to environmental, social & governance standards.

Our Team

We are a small team based in Dunoon and Oban, Argyll but our horizons are set as far and wide as yours. We have clients across Scotland and pride ourselves in offering the highest quality service – professional but with the personal touch.

Iain Cairns

Owner, Lead Financial Planner

“I founded Argyll Financial to help people have the best life they can, with the money they have. I’m proud of the fantastic, like-minded team we have at Argyll Financial; all working together to help people live life on their terms.”

After years of working for corporate banks, Iain founded Argyll Financial in 2012 because he wanted to use his financial skills and experience to focus on really helping people by providing advice to suit their circumstances, hopes and dreams – not simply selling financial products. He is a passionate believer that ‘Return on Life’ is more important than ‘Return on Investment’, and at Argyll Financial he has built a team of advisors who share his people-first approach.

Friendly, laid-back and above all, trustworthy, Iain is a family man who loves to be active outdoors. Sporty and determined, you’ll find him golfing, biking, paddle-boarding, biking and running ultra-marathons – he even has a West Highland Way race finish under his belt!

  • CII Diploma in Financial Advice
  • CF8 – Long Term Care Insurance

Connect with Iain on LinkedIn.

Ryan Nugent

Head of Mortgages and Protection

“No matter what your background, I’ll help you find the mortgage finance that’s right for you.”

Determined, ambitious and genuine, Ryan is a natural leader: as well as heading up our Mortgage and Protection department, he runs his own property development company and still finds the time to manage his local football team!

Ryan brings with him years of experience gained in one of the UK’s major banks, and thrives on the relaxed, friendly atmosphere of Argyll Financial, where he enjoys the chance to get to know each client individually. When he’s not at work or on the football pitch, you’ll find him honing his DIY and cookery skills.

  • CeMAP
  • R05 – Financial Protection

Connect with Ryan on LinkedIn.

Ronnie Cairns

Equity Release Specialist

“I specialise in helping our older customers find financial solutions that offer them a better quality of life at retirement age and beyond”

 Ronnie joined the Argyll Financial team in 2021, bringing with him over 30 years’ experience in financial services. Passionate about his work and about his local region, Ronnie is pleased to be part of a growing local business that directly serves the people of Argyll and further afield.

Friendly, outgoing and sociable, Ronnie loves all kinds of Scottish culture, especially traditional music. He is the current Chair of the Cowal Highland Games with over 30 years’ experience of being involved in the event. A keen photographer, he also enjoys traveling the west coast and the islands in his campervan taking pictures.

  • Certificate in Financial Services at advanced level
  • CF6 Qualification in Mortgage Advice
  • ER1 Advanced Mortgage qualification for Equity Release

Connect with Ronnie on LinkedIn.

Chris Carson

Mortgage and Protection Advisor

“As a ‘whole-of-market’ advisor with Argyll Financial, I can help almost anyone to buy their new home, and that means a lot to me. In the words of my seven-year-old, ‘I help people buy the home they love.’”

Chris joined the Argyll Financial team in 2021. Coming from a corporate bank background, he was drawn to our independent, ‘whole of market’ model because it offers him the freedom to help more people find the right plans and buy their dream homes.

Committed, trustworthy and upbeat, Chris spent four years studying for his BA in Business Administration in Texas, where he led the Sam Houston State University Division 1 Golf Team to five team titles. Today, he still enjoys a round of golf, as well as spending time with his young family and following motorsports.

  • BA in Business Administration (Sam Houston State University)
  • CeMAP

Connect with Chris on LinkedIn.

Andrew MacMillan

Mortgage and Protection Advisor

“The thing I enjoy most about being a Mortgage and Protection Advisor, is having the chance to meet new people every day – and to help them find the solutions that are right for them.”

Friendly, honest and reliable, Andrew is a problem solver at heart. He takes a real interest in understanding and overcoming every client’s particular challenges, tracking down the ideal mortgage and selection options for every situation.

When not behind his desk, you’ll find Andrew enjoying the fresh air on the golf course or out walking.

  • CeMAP

Lorna Kinnear, Office Manager

Janice Kirkland, Mortgage administrator