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Natalie C. Papagni, CPA - Tax, Planning & Advisory Services
4275 Executive Square Suite 200
La Jolla, CA 92037
(858) 754-8277
Natalie C. Papagni, CPA - Tax, Planning & Advisory Services is a La Jolla Tax CPA firm with 18+ years of experience providing multi-year strategic tax planning, quarterly tax management, tax preparation and advisory services to individuals, high-income earners, professional and executives, physicians and healthcare professionals, business owners - entrepreneurs, and businesses in La Jolla, greater San Diego and California.
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Considered by many as one of the best tax 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 successful professionals and high-income earners, physicians and healthcare providers and business owners - entrepreneurs, and the discomfort uncertainty can create.
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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.​
Clients
Individuals & High Income Earners
Professionals and executives, often with wages, equity compensation, investments, K-1s, real estate and or self-employment income.
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Business Owners - Entrepreneurs
Shareholders, partners, LLC members and self-employed individuals that own and control one or more S-corporations, professional medical practices, partnerships, limited liability companies (LLCs) and sole proprietors with new and or existing businesses.​
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Physicians & Healthcare Professionals
Physicians & healthcare professionals with hospitals, leading healthcare organizations and or in private practice often with W-2s, K-1 and 1099 income streams.
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Businesses & Private Practices
Corporations, S-corporations, professional medical corporations, partnerships, limited liability companies (LLCs) and sole proprietorships doing business in California, and potentially beyond California's borders.
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Why Chose
Natalie C. Papagni, CPA
Technical Expertise Found at Leading Tax, Planning & Advisory Firms
Deep technical expertise acquired at leading tax, planning & advisory firms in the U.S. in areas essential to the success of high-income earners.​
Unmatched Personalized Service & Responsiveness
Clients of Natalie C. Papagni, CPA receive the personalized service, responsiveness and unhurried attention found at boutique firms - without the elevated fees.
Quality, Integrity, Trust & Transparency
Natalie C. Papagni, CPA is committed to building authentic, high-trust relationships with every client, and is passionate about leveraging our expertise to enhance the lives of the clients we serve.
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Proactive, Forward-focused Advisory
Natalie C. Papagni, CPA is focused on building and maintaining authentic, high-trust relationships, proactive strategic tax planning and quarterly tax management to assist her clients make smart, timely and effective decisions to achieve the best tax outcomes possible, reduce uncertainty and eliminate year-end surprises.
Frequently Asked Questions (FAQs)
Do you primairly work with high-income earners?​
Yes. Client's 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.
Why do high earners still owe large balances even with withholdings?
Payroll withholding is rarely calibrated for interest, dividends and capital gain investment income, K-1s, real estate, retirement distributions, 1099 income stock compensation or rental income. At income levels above $200,000 (single) and $400,000 (MFJ) federal and state surtaxes phase in faster than withholding tables adjust.
Proactive and strategic multi-year tax planning and methodical current year tax planning and quarterly tax management will assist you make smart, timely and effective financial decisions to minimize taxes, keep you in full control of your projected effective tax rates, and avoid expensive and unnecessary year-end surprises.
What issues do individuals and business owners you meet for the first time often have?
Many individuals who come to us for the first time previously worked with small, mid-sized, or large CPA firms whose approach was often compliance-driven, historically focused, high-volume, and reactive rather than proactive and strategic. Many became frustrated by impersonal service models involving multiple staff members, inconsistent communication, limited responsiveness, high fees, avoidable errors, and mediocre results.
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Many clients had remained with prior firms for years without ever receiving meaningful education or guidance regarding the tax and financial issues most important to them. Instead, they often received generic, “one-size-fits-all” tax planning rather than personalized strategic advice tailored to their specific circumstances and goals. As a result, many individuals were left unclear about what truly drives their tax liabilities, what planning opportunities may be available to them, and how major financial decisions could impact their long-term outcomes. Rather than making informed, proactive decisions, many found themselves reacting after the fact.
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In addition, many clients were receiving fragmented advice from multiple professionals working independently, often with little coordination between advisors. This frequently created confusion, inconsistent strategies, missed opportunities, and a lack of cohesive long-term planning.
Fortunately, our clients do not experience these issues.
How is your work different from a traditional CPA relationship?
Many CPA's 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 CPA's, we are forward-focused, 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 truely 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. ​
How are RSUs Taxed?
Restricted stock units are generally taxed as ordinary compensation income upon vesting. The fair market value of vested shares is typically reported on Form W-2 and subject to ordinary income and payroll taxes. Future appreciation or decline after vesting is generally treated separately as capital gain or loss when shares are sold. Executives frequently require additional planning regarding estimated taxes, diversification analysis, and cost basis tracking because brokerage firms often report incomplete basis information on Form 1099-B. Sophisticated taxpayers often benefit from coordinating these strategies with broader estate planning, investment management, retirement planning, and long-term wealth preservation objectives.
What Triggers AMT with Incentive Stock Options (ISOs)?
Alternative minimum tax exposure commonly occurs when incentive stock options are exercised and held rather than sold in the same calendar year. The spread between the strike price and fair market value at exercise creates an AMT adjustment even though shares may not yet be liquid. Executives with rapidly appreciating stock frequently require detailed projections before exercising options because AMT exposure can become substantial long before actual cash proceeds are received. Sophisticated taxpayers often benefit from coordinating these strategies with broader estate planning, investment management, retirement planning, and long-term wealth preservation objectives.
Who Files a FBAR filing?
An FBAR (Foreign Bank Account Report) is required for U.S. persons with foreign financial accounts whose aggregate value exceeded $10,000 at any point during the year — failure to file can carry significant penalties.
Which La Jolla CPA firm can prepare my personal tax returns and tax returns for my businesses?
Natalie C. Papagni, CPA- Tax, Planning & Advisory Services is a La Jolla CPA firm that commonly performs coordinated advanced tax planning and coordinated tax preparation for a business owner -entrepreneur and the business(es) they own an control.
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 are benefiting from high-income earner financial guidance and tax planning as they are on on a financial growth trajectory.
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.
Let's Stay Connected
Natalie C. Papagni, CPA
Tax, Planning & Advisory Services
4275 Executive Square Suite 200
San Diego, CA 92037
(858) 754-8277
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