Looking for the best tax expert in Concord, NH?
NH Tax Advisors provides personal and small business tax services across Concord, NH and the surrounding towns, from an office a short drive south in Bedford
Chris Brown, Enrolled Agent
You work with me directly, start to finish.
How we help Concord individuals and small businesses
NH Tax Advisors is led by Chris Brown, a federally licensed Enrolled Agent. Most of our Concord clients are state and city employees, hospital and finance workers, retirees living on a pension and Social Security, and the self-employed people who work around the capital. We prepare individual and small business returns, plan the retirement and Roth conversion years so they do not cost more tax than they have to, and get people caught up when they have fallen behind on filing.
Chris Brown, Enrolled Agent
You work with me directly, start to finish.
Why Concord taxpayers choose NH Tax Advisors
The first year retirement income replaces a paycheck, the return gets harder in a way nobody warns you about. A New Hampshire Retirement System pension, Social Security, and an IRA withdrawal each withhold on their own, and between them they often do not hold back enough, so April arrives with a balance due and a penalty on top. We set the withholding across your income sources so it lands where it should, read your last year or two of returns for anything that slipped through, and stay reachable when a question comes up in the fall.
- Licensed to deal with the IRS on your behalf
- An office a short drive south in Bedford, in person or by video
- Accurate returns, updated for the 2026 tax law and every year after
- Back taxes and IRS notices, handled quietly and without judgment
- Retirement, pension, and Roth conversion planning, including New Hampshire Retirement System pensions
- Self-employed and small business returns for the trades and one- and two-person shops around the capital
“He was professional, cordial, and efficient. I'm extremely glad I found NH Tax Advisors and chose to work with them.”
How we work with Concord individuals and families
Working with us usually starts with a conversation and a look back at your last year or two of returns, so we see the whole picture before we touch this year. We prepare your federal return and any state return that goes with it, then look for the moves that lower next year's bill, whether that is getting the withholding right across a pension and Social Security or timing a Roth conversion before it costs you a bracket. When the return is done, we go through it with you in plain language so you know what you are signing, and the same person is there when something comes up later in the year.
How we work with Concord businesses
Most of our business clients around Concord run a one- or two-person operation: a tradesperson, a consultant, a shop owner, someone doing 1099 work on the side of a state or hospital job. We start by learning how the money actually comes in, then go back through prior returns for deductions that were missed or expenses put in the wrong place. We prepare your Schedule C, sort out mileage, home office, phone, and equipment, and set your self-employment tax and quarterly estimates so April is not a surprise. If the business ever grows to where New Hampshire's Business Profits Tax or Business Enterprise Tax applies, we will see it coming and tell you before the state does.
How we work with Concord rental property owners
If you rent out property in or around Concord, we get the income, the expenses, and, above all, the depreciation right, which is the part most often skipped or set up wrong on a rental. We keep repairs and improvements on the correct side of the line, carry the passive losses forward so they are there when you can use them, and handle the setups people ask about most, a duplex, a converted apartment, or a place rented short-term. If the property sits in another state, we file that return and keep the out-of-state credit straight so the same income is not taxed twice. Picking up a return where earlier-year depreciation was missed is common, and fixing it can return real money to you.
What we handle for Concord clients
Some people find us by searching for the best tax preparer in Concord or the nearest accountant; others just need one specific problem sorted out and do not much care what the title is. A few are pointed our way by a bookkeeper, which makes sense, since keeping the books and filing the return are two different jobs. Below is what we take on, and who each part is for.
Retirement income and Roth conversions
The first years of retirement are their own puzzle: a pension, Social Security, 401(k) and IRA withdrawals, and eventually required minimum distributions, each taxed on its own rules. We get the withholding set so April is not a shock, then map how much to convert to a Roth in a given year before it pushes you into a higher bracket or a Medicare surcharge.
Individual and family tax returns
Your federal return and any state return that comes with it, prepared and then walked through with you before you sign. Most of our clients are back every year, so we already know the story behind the numbers and what to watch for.
Self-employed and 1099 income
A Schedule C built on a real look at what you spend, with mileage, home office, and the write-offs people leave off, plus the self-employment tax nobody warns you about in year one. We set the quarterly estimates so the bill in April is not a surprise.
Small business and LLC taxes
Single-member LLCs and sole proprietors: Section 179 on equipment, 1099-NEC filing for the people you pay, and a SEP-IRA to shelter part of the profit. We watch the New Hampshire Business Profits and Enterprise Tax thresholds so you see them coming rather than a letter.
Investment income and capital gains
Brokerage 1099s with the messy cost-basis adjustments, capital gains and losses, and the loss carryforwards that get dropped when a return changes hands. For retirees especially, we watch how a large gain feeds into Social Security taxation and your Medicare premiums.
Back taxes and unfiled returns
One missed year or a stack of them. We figure out how many you actually need to file, get them filed, and cut off the substitute return the IRS will otherwise file for you if you wait. No lecture.
IRS notices and payment plans
We read what the notice is actually saying, tell you whether it is even right, and respond to it. If you owe more than you can hand over at once, we set up an installment plan or look at whether First Time Abatement can lift the penalties.
Massachusetts commuter returns
Concord is a long way from the state line, but if you or a spouse works in Massachusetts, that state taxes only the days actually worked there, not your whole salary. We apportion the wages by day count so a commuter is not quietly overpaying year after year.
Rental property
The Schedule E, income in and expenses out, with depreciation set up correctly and repairs kept apart from improvements. Passive losses get tracked so they are waiting when you need them, and a rental where depreciation was missed early on is usually worth fixing.
Amended returns
A return already filed that came out wrong, whether you did it yourself or paid someone who did. We find what was missed, amend it, and go after the refund if one is owed.
What New Hampshire taxes, and what it doesn't
New Hampshire does not tax the wages you earn and has no sales tax, so a Concord paycheck, whether it comes from the State House, the hospital, or a private employer, has no state return sitting on top of it the way it would in most other states. For a city built around government and institutional payrolls, that is the whole shape of the state picture on earned income.
The one piece that still catches retirees is older. New Hampshire used to tax interest and dividends on the DP-10, and for a town with a lot of investment and retirement income, that mattered. The tax was repealed starting with 2025, so the form is gone going forward, but it still applied through 2024. If we are filing a back year or amending a 2024 or earlier return, a little New Hampshire tax on that investment income may still be in play.
You don't have to be in Concord to work with us
The office is a short drive south in Bedford (ZIP 03110) and open by appointment whenever you would rather sit down, but most of our Concord clients never make the trip. Your documents come to us through a secure portal instead of loose email, we go through the finished return with you by phone or video, and you sign electronically. Someone downtown in 03301, out by the hospital, or up in Penacook gets the same attention, and the same care with their information, as a client sitting across the desk. We work the same way with clients in Bow, Hooksett, Pembroke, Loudon, and down toward Bedford and Manchester.
Frequently asked questions
How do I choose a good tax preparer in Concord?
Start with the credential. An Enrolled Agent or a CPA can represent you before the IRS; a preparer without one has limited standing the day a notice arrives. Ask whether you can still reach them after April, because a lot of tax questions, a pension that started mid-year, a house sale, a letter from the state, come up in the summer and fall. Ask whether they have done your kind of return before, since a state pension and Social Security, a couple of unfiled years, and a small side business are all different work. And be wary of anyone who sets the fee as a share of your refund or promises a bigger refund than the next person before seeing a single document.
I just retired from a state job. How does my pension get taxed, and does New Hampshire take any of it?
New Hampshire does not tax your pension, your 401(k) or IRA withdrawals, or your Social Security, and it has no wage or income tax, so there is no state return on any of it. The federal side is where the work is. A New Hampshire Retirement System pension is taxable on your federal return, and how much of your Social Security is taxed depends on your other income that year. The piece that trips people up in the first year or two is withholding: if the pension and the IRA distributions are not withholding enough between them, April comes with a balance due. We set the withholding across your income sources so it lands where it should, and plan the years before required minimum distributions start so a large one does not push you into a higher bracket.
How hard is it to switch to you from an accountant I've used for years?
Easier than most people expect, and it does not mean starting over. We get a copy of your last year or two of returns, which carry your depreciation, your carryovers, and anything unusual about your situation, and we take it from there. Plenty of our clients came to us when a longtime preparer retired or when the relationship stopped feeling like anyone was really looking at the return. You keep the history and lose none of it.
What does it actually mean that you're an Enrolled Agent?
An Enrolled Agent is licensed by the IRS to represent you before it, for any kind of return, in any state, including audits, notices, and collections. It is the same representation right a CPA has, but the entire focus is tax. In plain terms: if a letter shows up after your return is filed, you are not on your own, and you are not handed off to someone who has never seen your file.
How much does it cost to have you do my taxes?
It depends on what the return involves. A straightforward individual or retiree return costs less than one with a business, rental property, and more than one state. You get a clear price before we start, and we never base the fee on the size of your refund. If your situation is simpler than last year, the price should reflect that too.
What clients say
Real reviews from real Southern NH clients
“I truly cannot say enough good things about my experience with Chris & Maria at NH Tax Advisors! I came to them with a rather daunting & messy self-employed tax situation, needing resolution for some previous years' filings.”
“We had an unexpected situation this tax season when our original accountant suddenly became ill and had to retire. My husband and I were scrambling to find someone new, especially so close to the deadline.”
“I had a great experience working with Chris Brown. He was incredibly easy to work with and always very reachable. He would respond within minutes or at most a few hours whenever I had a question.”
Talk to your tax professional today
Call to talk through your tax situation with a licensed tax pro who’ll remember you next year.