Meet the Principles

Adam Pappalardo, CPA, MST.


Adam Pappalardo is a fierce advocate for all the clients of his firm. He focuses on helping people maximize their profits and pay the minimum taxes as allowed by law. He takes personalized service to a higher magnitude than other accountants because he understands that true service involves a working knowledge of a client’s financial status and a rich understanding of a client’s future plans.

As a Certified Public Accountant, Adam knows his numbers and understands the bottom line.  More importantly, he understands that there’s a story behind those numbers.  Those numbers are a product of your dreams.  Your hard work.  They are your future – a business expansion, a retirement home, your child’s college tuition.  He will work with you to make those numbers add up to financial growth and security for you and your business.

“It really doesn’t matter to us,” Adam says, “whether you are a business or an individual taxpayer. We want to trim your tax liability down to the barest minimum the tax code allows. After all – it’s what all savvy people do, from a single tax payer to a Fortune 500 CFO.”

As far as business owners are concerned, Adam has one over-arching goal: to use the extraordinary insights of accounting and financial planning to help make that business more profitable.

Adam takes great personal pride in meeting the various needs of all of his clients. He sees himself – and the aim of his firm – as being an advocate of the people who have put their financial trust in him. “No career,” he says, “requires more trustworthiness and skill than the individual who works among the numbers of your finances. These numbers are the lifeblood of who you are as a money-earning person.”

As an accountant and financial advisor, he provides such service by superb performance in:

  • preparing your annual and interim financial statements
  • preparing your year-end income tax planning
  • assisting with your bookkeeping system, where he specializes in various cost-saving techniques and procedures
  • working with you to develop powerful long-term strategies to meet your financial and personal goals.

Adam has a wealth of wide-ranging experience, both with individuals and with clients in a variety of industries, including construction, manufacturing, insurance, real estate, and professional service companies.

Adams holds a Masters in Taxation from Bentley College and is a Quickbooks Professional Advisor.  He is a member of the New Hampshire and Massachusetts Society of Certified Public Accountants and the American Institute of Certified Public Accountants.

Frederick Merrill, EA

Fred has spent the past 29 years providing accounting solutions to small businesses.  He understands that you have more on your mind than taxes and financial statements.  With that in mind, he will visit your workplace to gain a clear understanding of your business, your goals and the challenges you face.

“I came to the accounting field right out of UNH,” Fred says. “It is the only professional career I’ve ever had.”

And those ever-changing tax codes?  Fred will make sense of it all and notify you of any changes that affect the way you do business.  That way, you can do what you do best – run your business.

As an Enrolled Agent, Fred is certified to practice before the Internal Revenue Service.  That means he is well qualified to negotiate and represent your best interest with the IRS.   He is a member of the National Society of Accountants and a former member of the Derry Rotary Club.

His vision for P&M online is that clients can treat his firm like an on-call Chief Financial Officer. “Someone,” Fred says, “that they can call on for a variety of finance and planning issues, not just accounting and tax work.”

Whether you’ve been in business for years or are just beginning a business plan, Fred will help you jump over the often convoluted financial hurdles required for your success.

Your Full Service Accounting/Tax Firm

At Pappalardo & Merrill, our mission is to provide unparalleled service and expertise to both our business and individual clients. We achieve this by employing the most knowledgeable and service oriented professionals we can find and offer them every opportunity to learn and grow in their positions. By supporting the career growth of our employees, we provide continually expanding service and value to our clients.

Pappalardo & Merrill is a CPA firm that provides a wide range of personal income tax, corporate accounting and small-business consulting services in New Hampshire and Massachusetts. With many years of experience in tax planning and business strategy, Adam Pappalardo, Fred Merrill and the capable Pappalardo & Merrill staff work very closely with each client. We make sure that our clients’ business and/or personal income tax returns are done properly and filed on time, and that each client gets every deduction allowed by the IRS tax code.

Our business clients value our accounting services, tax advice, and strategic business consulting services. But whether you’re a large corporate client or just want some help with your personal income taxes, our goal is to improve your financial situation.

For additional information regarding our services both individual and business please contact us via email or by phone 603.382.8867.

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