Our Story: From Reactive to Proactive

TTAM Ltd. was founded on the belief that financial management should fuel your life—not drain it.

Tervel Mihaylov – Director & Founder (MAAT)🏆

"I don't want clients to fear their accountant. I want them to call us first when they have a question, not last when they have a crisis."

Tervel is a Member of the Association of Accounting Technicians (MAAT) and the driving force behind TTAM's client-first philosophy. With years of experience across accounting, tax planning, and business advisory, he's seen firsthand how traditional firms fail their clients—and he's committed to doing better.

What makes Tervel different:

• He actually answers the phone. Clients aren't routed through gatekeepers or left waiting days for responses.
• He plans ahead, not just backward. Every client conversation includes "What's coming up?" not just "What happened last quarter?"
• He explains, never confuses. No jargon. No condescension. Just clear answers to your questions.

Outside of TTAM: Tervel is passionate about helping Bristol's small business community thrive. He regularly mentors start-ups through local enterprise networks and believes that accessible, proactive accounting can genuinely change lives.

Professional credentials:

• Member of the Association of Accounting Technicians (MAAT)
• Authorised Corporate Service Provider (ACSP) for Companies House
• HMRC ASA – Tax Agent (Payroll, Corporation Tax, Self-Assessment)
• Qualified in Xero, QuickBooks, Sage, and FreeAgent

Trayana Mihaylova – Operations & Client Experience Director✨

"Our clients shouldn't have to chase us. We chase them—with updates, reminders, and support before they even know they need it."

Trayana is the reason TTAM feels different from the moment you first get in touch. While Tervel handles the technical expertise, Trayana ensures every client interaction is seamless, responsive, and genuinely supportive.

What Trayana does for you:

• Proactive communication: You'll get reminders about upcoming deadlines, not last-minute panic calls.
• Smooth onboarding: Migrating to cloud accounting or switching from another firm? Trayana handles the logistics so you don't feel overwhelmed.
• Always responsive: Email, phone, or portal message—you'll hear back quickly, with clear next steps.
• The human touch: She remembers your goals, your challenges, and what matters most to you. You're not a file number.

Why this matters: Many firms treat "client experience" as an afterthought. At TTAM, it's the foundation. Trayana's organizational systems ensure nothing falls through the cracks—no missed filings, no forgotten follow-ups, no confusion about "What happens next?"

Background: With experience in operations management and client relations, Trayana applies systems-thinking to accounting—ensuring TTAM runs efficiently so clients experience professionalism without bureaucracy.

Our Commitment to You
When you work with TTAM, here's what you can expect:

No phone tag. No gatekeepers. No "your accountant is in a meeting." If we can't answer immediately, we'll call you back the same day.
                                                                                                                                                                                                                               We'll Answer When You Call   

Accounting has enough jargon. We'll translate everything into plain English and ensure you genuinely understand your financial position.
                                                                                                                                                                                                                               We'll Explain, Not Confuse     

Tax planning happens throughout the year, not on January 30th. We'll proactively identify opportunities to save you money legally.
                                                                                                                                                                                                                               We'll Plan Ahead With You     

Cloud migration, HMRC submissions, Companies House filings, payroll processing—we handle the technical details so you don't have to.

                                                                                                                                                                                                                              We'll Handle the Complexity     

If something's not in your best interest, we'll tell you—even if it means less revenue for us. Your success matters more than our billing.
                                                                                                                                                                                                                              We'll Be Honest                         

Your goals. Your challenges. Your preferred communication style. You're a person, not a file number.
                                                                 

                                                                                               We'll Remember What Matters to You