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4275 Executive Square Suite 200
La Jolla, CA 92037
(858) 754-8277
Natalie C. Papagni, CPA - Tax, Planning & Advisory Services
4275 Executive Square Suite 200, La Jolla, CA 92037
(858) 754-8277
Transforming complexity into clarity
for high-income earners, physicians, s-corps & businesses in San Diego & throughout California
We've Been Nominated
Best of La Jolla 2026 * Accounting Category
Thank you to our clients and the community
for your continued support!
Strategic Tax Planning, Preparation & Advisory for California High-Income Earners & Businesses
Natalie C. Papagni, CPA - Tax, Planning & Advisory Services is a California CPA firm serving professionals & high-income earners, executives with equity compensation, physicians & healthcare professionals, business owner - entrepreneurs and the s-corporations, professional medical practices, LLCs and partnerships they own and control.
The firm specializes in multi-year strategic tax planning, California-specific strategies, quarterly tax management, tax preparation, physician tax strategies, equity compensation tax planning, S corporation optimization, PTET, multi-layered retirement plans and coordinated financial planning for clients intent on living their best lives.
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With over 15 + years of experience serving high-income earners and nominated as one of the best CPAs in La Jolla, Natalie C. Papagni, CPA provides the technical expertise of leading CPA, tax and advisory firms with the personal service, responsiveness and unhurried attention of boutique firms - without the elevated fees.
We understand how overwhelming taxes can be for high-income earners, physicians, business owners and businesses and the discomfort uncertainty can create. ​Our services were designed with you in mind.
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We invite you to let us assist you transform complexity and uncertainty into financial clarity - and confidence.​
Why Choose Natalie C. Papagni, CPA
Most CPA practices are built for volume: compliance-driven, historically focused, reactive and not service-driven. Our firm was built to provide our clients a refreshing alterative option.
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Natalie C. Papagni, CPA - Tax, Planning & Advisory Services is a practice where authentic and genuine relationships are built, custom-tailored planning comes first, expertise in areas that matter to you most in deep, responsiveness is prompt, service is personalized and efficient, attention is unhurried, fees are quoted in advance and fixed, and we encourage our clients to call anytime they have a question or information to share, or we can be of service.
Clients We Serve
Individuals & High Income Earners
Professionals, executives and families with household incomes typically ranging from $250k to $2,500,000+, including equity compensation (RSUs, ISOs, NSOs, ESPPs), multi-state income, rental real estate, and/or complex investment portfolios - along with future high-income earners with an attractive future financial growth trajectory.
Physicians & Healthcare Professionals
Practicing W-2 and 1099 physicians and healthcare professionals, and physicians and healthcare professionals in private practice - from residency-to-retirement. Our physician client typically benefit from multi-year strategic tax planning, S-corp elections, retirement plan layering and expert-level guidance from a Tax Strategist at key transition points throughout their medical career. Natalie C. Papagni, CPA is a trusted CPA for medical practices.
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S-Corps, LLCs, Partnerships, Medical Practices,
Successful Sole Proprietorships
& Their Owners
Shareholders, LLC members, partners and successful sole proprietors, and the S-corps, LLCs, partnerships, professional medical practices they own, influence and control.
Entity structuring, reasonable compensation, California pass-through entity tax (PTET) elections, shareholders, member and partner basis, multi-layer retirement plans to optimize contributions, depreciation strategies and more. Coordinated business and personal financial and tax planning custom-tailored to optimize the personal benefits of business ownership.
Frequently Asked Questions (FAQs)
Do you work primarily with high-income earners?​
Yes. Clients we typically serve are high income earners ($250,000 - $2 Mil+/-) with growing financial structures, including professionals with and without equity compensation, physicians and healthcare professionals - from residency to retirement, business owners - entrepreneurs and businesses. Our business is built on relationships, strong communications and assisting our clients target and intentionally and strategically achieve their tax liability and effective tax rate minimization goals.
What is the best way to contact Natalie C. Papagni, CPA - Tax, Planning & Advisory Services?
The best first-step is to schedule a complimentary consultation with Natalie following the link on this website, call (858) 754-8277 or send an email to npapagni@lajollataxcpa.com.
Which La Jolla CPA firm can handle my personal and business tax planning and tax preparation needs?
Located in La Jolla, CA Natalie C. Papagni, CPA - Tax, Planning & Advisory Services serves clients in La Jolla, greater San Diego and throughout California, and specializes in coordinating the personal and business tax planning initiatives, tax preparation and financial planning activities for our business owner clients at levels providing them the best opportunity to target and achieve optimal outcomes.
What issues do individuals you meet for the first time often have?
Most clients who come to us previously worked with CPA firms — small, mid-sized, or large — whose approach was compliance-driven, high-volume, and reactive rather than strategic. They grew frustrated with impersonal service models: rotating staff, inconsistent communication, slow responsiveness, high fees, avoidable errors, and mediocre results. Often, they had stayed with those firms for years without ever receiving meaningful guidance on the tax and financial issues that mattered most to them. They received generic, one-size-fits-all planning instead of strategy tailored to their circumstances and goals. As a result, they were left unclear about what actually drives their tax liability, which planning opportunities apply to them, and how major financial decisions affect their long-term outcomes. Instead of making informed decisions in advance, they found themselves reacting after the fact.
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Compounding the problem, many were receiving fragmented advice from professionals working in isolation — their CPA, financial advisor, and attorney rarely coordinating. The result: conflicting strategies, missed opportunities, and no cohesive long-term plan.
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Natalie C. Papagni, CPA was specifically built to overcome these obstacles.
How is working with a CPA specializing in tax planning different from a traditional CPA relationship?
Many CPAs view their client relationships as transactional and retrospective. At Natalie C. Papagni, CPA - Tax, Planning & Advisory Services, we value and respect every client we serve and invest the time to build a productive, high-trust relationship. Unlike most CPAs, we are forward-focused, act as your tax strategist and ensure our clients have the information they need to make smart, timely and effective decisions to achieve optimal tax outcomes - year after year. We excel in building financial and tax projections factoring in scenario analysis, tax strategies, applicable tax laws and explicit decision frameworks to guide actions throughout the year. For most of our clients, the preparation of year-end federal and state tax returns is the final step of the year's tax planning initiative - not the primary service we provide.
What should I look for when searching for a CPA near me in La Jolla, greater San Diego and California?
You will want to definitely look for a CPA with deep expertise in areas relevant to your financial and tax structures that places a strong emphasis on building a relationship, understanding what matters to you most, and how you like to communicate, and has an unwavering commitment to quality, integrity, transparency, upholding tax laws and service excellence.
What is the value of tax planning? Will it pay for itself?
For most clients with a business entity or complex income, yes — often several times over. Prior to beginning an engagement, Natalie C. Papagni, CPA - Tax, Planning & Advisory Services works on fixed, flat fee agreements. If additional information is provided during an engagement increasing engagement complexity or scope, we will discuss the additional work effort required and agree upon any additional fees.
Do I need to be in La Jolla or San Diego to work with you?
No. Natalie C. Papagni, CPA - Tax, Planning & Advisory Services serves professionals & high-income earners, physicians & healthcare professionals, business owners - entrepreneurs and businesses throughout California. We generally travel to Northern California multiple times a year for client meetings. Our full encrypted file sharing portal, state of the art technology, responsiveness, and availability for Zoom meetings and phone calls make location irrelevant.
What is the company's culture?
Our company is rooted in four key values– quality, compassion, integrity, and always striving to add high-impact value and results. We are committed to building authentic and genuine relationships, deliver excellence, exceed expectations and supporting the clients and communities we serve.
Can I work with Natalie C. Papagni, CPA - Tax, Planning & Advisory Services if I'm not currently a high-income earner however that is my future?
Yes. Natalie C. Papagni, CPA- Tax, Planning & Advisory Services is, in fact, currently working with a number of Residents in the last year of their Residency, professionals with vesting RSUs and new business owners that are not currently high-income earners, however benefit from our financial and multi-year strategic tax planning guidance as their financial growth trajectory is strong.
I have a busy schedule, making it difficult to schedule a meeting business hours. Are you available to meet early evenings and on Saturdays?
Yes. Natalie C. Papagni, CPA - Tax, Planning & Advisory Services frequently schedules early evening, Saturday and Sunday appointments (by appointment only) for busy professionals via phone, Zoom and/or in-person. In fact, we prefer to schedule meetings in the early evening, on Saturday or on Sunday vs during business hours if a meeting during business hours would be inconvenient for our client, our meeting would be rushed, our client would be distracted and or frequently interrupted making it difficult to have a focused, high-value-add meeting. Having a high-quality meeting is important to us.
What is your fee structure?
Natalie C. Papagni, CPA - Tax, Planning & Advisory Services offers fixed fee tax, planning & advisory engagements with fees quoted and agreed-upon in advance. After discussing your situation, interests and goals and reviewing prior-year tax returns we'll provide a fixed, flat fee for the engagement — whether that's tax preparation, a focused planning project, or year-round advisory with quarterly meetings — so you know exactly what the work costs before it begins. And the fee always includes your questions: clients are encouraged to call or email anytime, because a question you hesitate to ask is often the one that costs the most. * If information unknown at the beginning of the arrangement is uncovered and/or the engagement scope expands during our engagement, we will discuss and agree upon the expanded work involved and any additional fees that may result.
Let's Stay Connected
Natalie C. Papagni, CPA
Tax, Planning & Advisory Services
4275 Executive Square Suite 200
La Jolla, CA 92037
(858) 754-8277
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