Clients & Locations

Families, Individuals, Small Businesses, Nonprofit Organizations

Success in business has a lot to do with the company that clients keep, particularly advisors. A CPA can make a tremendous impact upon each client’s prosperity.

Developing a thorough understanding of the critical aspects of each client’s markets and industry, along with their business and personal goals, is the key to excellence. I take great pride in developing long-term, advisory relationships with clients who know I am always available to assist them wherever possible.

The way I see it, part of my responsibility as your trusted financial advisor is to try to help you to better understand complicated accounting and taxation issues. As a result, you will be able to make better, more informed financial decisions on behalf of yourself and your family, your business and/or your nonprofit organization.

Clients At A Glance

Commercial Business

Families & Individuals

Nonprofit Organizations

Service Locations

Nonprofit Organizations

Service Locations

Commercial Businesses

As their trusted business advisor, I partner with privately held, family-owned companies through the various stages of their business’ life cycle. These business owners, entrepreneurs and CFOs count on me to be there for them with guidance and support through planning, transactions and even life events.

My depth of industry knowledge extends to a wide range of industries, including:

Professional Services

  • Architectural and Engineering Firms
  • Consulting Firms
  • Elder Care & Retirement Communities
  • Health Care
  • Insurance Agents & Brokers
  • Interior Designers
  • Medical and Dental Practices
  • Retail Establishments
  • Veterinarians

Public Sector

  • Nonprofit Organizations

Hospitality

  • Bars, Taverns & Inns
  • Entertainment
  • Restaurants

Real Estate

  • Commercial & Residential Developers
  • Construction and Building Trades

Technology

  • Emerging Technology Companies
  • IT Services
  • Software Development
Handshake | TwardyCPA

Families and Individuals

I cater to family groups and individuals who rely on my extensive knowledge of sophisticated tax issues to minimize their tax liability, assist them with philanthropic planning, and help them provide for future generations.

Specifically, I provide creative, technical expertise in the following areas:

  • Alternative minimum tax consulting
  • Charitable and philanthropic tax planning strategies
  • College tuition savings planning
  • Estate and gift tax planning and consulting
  • Family trust planning
  • Income tax planning and preparation
  • Passive activity loss analysis
  • Rental real estate management and planning
  • Residential real estate transactions
  • Retirement and pension plan distribution designs
  • Stock option (ISOs, NSOs, preferred stock, private stock, restricted stock,
  • Units and Warrants) tax planning
Mother and Child | TwardyCPA

Nonprofit Organizations

As their trusted financial advisor, I help guide nonprofits through the various stages of their organizations’ life cycle. My depth of non-profit experience extends across a variety of charitable organizations, including:

  • Charitable foundations
  • Church and religious groups
  • Community outreach programs
  • Cultural organizations
  • Day care providers
  • Educational foundations
  • Historical societies
  • Homeowner and condominium owner associations
  • Private institutions and schools
  • Professional business associations
  • Sports and athletic associations
Nonprofit Organization | TwardyCPA

Service Locations

TwardyCPA provides accounting, tax planning and tax return preparation services for a variety of clients located throughout New England, including, but not limited to, the following communities:

Massachusetts

Middlesex County

  • Arlington, MA
  • Bedford, MA
  • Belmont, MA
  • Billerica, MA
  • Burlington, MA
  • Carlisle, MA
  • Concord, MA
  • Lexington, MA
  • Lincoln, MA
  • Newton, MA
  • Sudbury, MA
  • Waltham, MA
  • Watertown, MA
  • Wayland, MA
  • Weston, MA
  • Winchester, MA
  • Woburn, MA

New Hampshire

Hillsborough County

  • Hillsborough, NH

Merrimack County

  • Andover, NH
  • Blodgett Landing, NH
  • Bradford, NH
  • Henniker, NH
  • New London, NH
  • Newbury, NH
  • Newmarket, NH
  • Sutton, NH
  • Warner, NH
  • Wilmot, NH

Sullivan County

  • Croydon, NH
  • Eastman, NH
  • Georges Mills, NH
  • Goshen, NH
  • Grantham, NH
  • Hillsborough, NH
  • Newport, NH
  • Springfield, NH
  • Sunapee, NH
Professional | TwardyCPA

"Joe provides clear and thorough responses to questions, and ensures that all reports are submitted on time."

David Pollack - Lexington, MA

"He provides his clients with a thorough review of their situation whether it is for a personal or a business account in a professional manner."

NS, Sunapee, NH

"Joe has been our CPA for several years. He has an incredible eye for detail and never misses any information when putting our tax returns together."

Stu & Betty Schlackman, Richardson, TX

Have a Question? Contact Us Today!

Lexington: 781.274.6600

405 Waltham St., Suite 382, Lexington, MA 02421

Sunapee: 603.763.0350

24 Pine Grove Rd., Sunapee, NH 03782