Choosing an accounting firm can feel risky. Money, trust, and your time are all on the line. You need clear answers before you sign anything. This blog gives you five direct questions that cut through confusion and help you see if a firm fits your needs. Each question focuses on what matters most. You will learn how to judge experience, fees, communication, security, and support during stressful moments like audits or sudden tax letters. You might be looking for an accountant in Monrovia, MD or checking if your current firm still works for you. Either way, these questions help you protect your income and your peace of mind. You deserve straight talk, not vague promises. Start with these questions, and you will know who is in your corner and who is not.
1. What experience do you have with people like me
You need an accountant who understands your life. A firm that only handles big corporations will not always fit a family, a retiree, or a small shop owner.
Ask clear questions.
- How many clients do you serve with a similar income level
- Do you work with people who have kids, aging parents, or college costs
- Do you handle small businesses or side jobs like rideshare or online sales
You can also ask about licenses. In many states, you can confirm a Certified Public Accountant through your state board of accountancy. The National Association of State Boards of Accountancy links to each state board at https://nasba.org/stateboards/. Use this to check if a license is current and in good standing.
A firm that works with people like you every day will notice risks early. It will also spot chances to save money that others may miss.
2. How do you charge, and what will my total yearly cost be
Money questions can feel tense. Ask anyway. A clear fee answer shows respect.
Ask these three things.
- Do you charge by the hour or by the job
- What is included in your price and what costs extra
- How often do you raise your rates
Then ask for a written estimate for the full year. Include tax return prep, midyear check-ins, calls, and letters.
The table below shows how different fee structures can affect a simple family tax situation. These numbers are examples. Actual costs vary by location and complexity.
| Fee type | Example description | Pros | Cons | Sample yearly cost |
|---|---|---|---|---|
| Hourly | Firm charges 200 per hour for all work | Pay only for time used | Hard to predict total cost | 3 hours of work equals 600 |
| Flat per return | One price for federal and state returns | Easy to plan and compare | Extra forms may increase cost | 400 for full return set |
| Yearly package | Includes returns and limited support | Covers questions during the year | You pay even if you use less time | 750 for returns and check ins |
The Internal Revenue Service explains common tax preparer fee issues at https://www.irs.gov/tax-professionals/choosing-a-tax-professional. One key warning is to avoid any preparer who bases fees on a percentage of your refund.
3. How will you communicate with me during the year
Good accounting support is not just one meeting in April. Life keeps moving. You want to know how to reach your firm when something changes.
Ask three questions.
- Who is my main contact and how fast do you respond
- Do you charge for short calls or emails
- Do you offer check-ins during the year to adjust tax plans
Then think about your own style. If you like phone calls but the firm only uses online portals, the match may cause strain. If you travel or care for children, flexible options like secure email or video meetings may help.
Clear, steady contact can prevent sudden tax bills. It can also help you plan for large steps like a home purchase, a new baby, or a job change.
4. How do you protect my data and reduce fraud risk
Your tax records hold Social Security numbers, bank accounts, and income details. Criminals know this. You must ask how the firm protects you.
Ask these three things.
- How do you store my documents, and who can see them
- Do you use multi-factor sign-in for online tools
- What is your process if my data is exposed
Also ask how they send and receive files. An email without encryption is weak protection. Many firms now use secure portals that require a login and code.
The IRS offers guidance on protecting tax data for both taxpayers and professionals at https://www.irs.gov/. Review these tips, then compare them to the firm response. If the firm’s answer feels vague or rushed, treat that as a warning sign.
5. What support do you offer if the IRS or state contacts me
An audit letter or notice can shake any person. The right firm will not leave you alone with that stress.
Ask three clear questions.
- If I get a notice, will you explain what it means
- Will you speak with the IRS or state on my behalf if needed
- Is audit or notice support included in your fee or billed extra
Some firms include basic notice help in the tax prep cost. Others charge an extra fee for deeper audit support. Know this before you sign. Also, ask how many audits they handle each year and what common notice causes they see for people like you.
The goal is not to chase a firm that promises you will never face a notice. No one can promise that. The goal is to choose a firm that will stand with you if it happens.
Pulling it together and making your choice
You now have five questions that touch experience, price, contact, safety, and support. Use them the same way with each firm. Write down the answers. Then compare.
Look for three things.
- Clear and simple language
- Written details on fees and services
- Respect for your time and concerns
If a firm avoids questions or rushes you to sign, trust your reaction. Your accountant sees your private financial story. That relationship should bring calm, not unease.
When you choose with care, you gain more than tax help. You gain a steady guide for money choices that affect your home, your children, and your future plans. That peace is worth the extra questions today.