About Us

Andrew Carter is a Chartered Accountant, writer, editor, owner and general dogsbody of the website Financial Memos. Andrew brings over 20 years of experience in the fields of financial reporting, accounting policy, corporate governance, auditing and fiscal policy.


After post-graduate studies, Andrew worked across a variety of fields in the public and private sectors. Initially cutting his teeth as a government auditor, Andrew moved into accounting policy. This work involved the interpretation and application of accounting policies and conceptual frameworks to a government’s financial reporting.

After his final contract with a government department, he decided to retrain and moved into the world of commercial airlines, becoming an airline pilot for a major national flag carrier. Now flying long haul operations around the world on the Boeing 777, he decided to reapply himself to his knowledge and skills from his previous career. The many hours sitting in hotels and cafes around the world could perhaps be better utilised.

With professional Chartered Accountant recognition in New Zealand, Australia, the United Kingdom and the United States, Andrew brings a broad and interesting view to the blogging side-hustle. Although much of the initial writing is in accounting and helping people with a better understanding of the basics, his interest really lies in how we can better handle our money to better our own lives, and those around us.


With a goal to put more letters after his name than to have in it, Andrew’s been busy over the years. His current bragging list includes:

  • National Certificate in Business Studies
  • Bachelor of Business Studies (Accountancy)
  • Diploma of Accountancy
  • Master of Business Studies (Accountancy)
  • Chartered Accountant
  • Airline Transport Pilot Licence
  • Fellow Chartered Accountant