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Accepting New Clients January 2026
(858) - 754-8277
TAX, PLANNING & ADVISORY SERVICES
Assisting individuals & high-Income earners, physicians, business owners - entrepreneurs, businesses & private practices strategically minimize taxes, file accurate and efficient tax returns, plan for their financial future and acheive what matters most.
How Much can You Save? Ask us.
Natalie C. Papagni, CPA provides tax, planning and advisory services to individuals and high-income earners, physicians and healthcare professionals, business owners, entrepreneurs, businesses and private practices throughout California and the Pacific Northwest serious about minimizing taxes, filing accurate and efficient individual, business and trust tax returns, planning for their financial future and achieving what matters most - with confidence.​​
We understand how overwhelming taxes and financial decisions can feel for busy professionals, business owners - entrepreneurs, businesses and families.
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Clients often come to us with a high-level understanding of their finances and unclear about what information they need to provide and unsure whether they are making progress toward their goals.
Rest assured, we understand - and we care. Working with individuals like you is why we are here.
Work with us and we will understand your challenges and concerns, explain things clearly, provide year-round professional insight and strategic guidance to transform financial complexity into clarity, protect your net worth, plan for your future and achieve what matters most - with confidence. ​
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With 15 + years of experience, working with us you will receive the technical expertise found at leading firms in the U.S. coupled with the personalized service, responsiveness and unhurried attention found at boutique firms - without the elevated fees. ​
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* Our full website is available on your computer, laptop of tablet.
WHO WE SERVE
SERVICES
WHY CHOOSE NATALIE C. PAPAGNI, CPA
15 + years of tax, planning, and advisory services for professionals, business owners and businesses in areas that matter to you most
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Our client receive the technical expertise and professional guidance found at leading firms in the U.S., combined with the personalized service, responsiveness, and unhurried attention of a boutique firm and a cost-efficient fee structure.
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We prefer transparent fee structures - and know you do, too. At Natalie C. Papagni, CPA fees are full transparent- and agreed upon in advance. No more confusing bills and billing surprises. Just the expertise you need, the quality you expect, and the service you deserve from a CPA you respect.
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We strive for excellence in everything we do and operate in accordance with the highest professional standards in our industry. All tax strategies, planning recommendations, and individual, business, and trust tax returns are prepared in full compliance with federal and state tax laws.
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We are passionate about our client's well-being and success - and our clients succeed when they have access to professional insight and guidance when making key financial decisions throughout the year.
Clients are encouraged to reach out throughout the year — not just during tax season.
We check in with our clients quarterly or semi-annually to answer any questions they may have, update and refine projections with unplanned events, changing priorities and tax law changes, and to keep they focused and on-track to achieve superior tax outcomes.
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Does your current CPA do that? (We didn't think so).
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We are equipped with the latest technologies in our industry.
All clients receive access to our secure file-sharing portal encrypted with 256-bit bank-level security. Our clients can convenient and confidentially share electronic documents and files from the convenience of their home or office.
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We are available for in-person meetings in our office, and available to meet virtually on zoom upon request.
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How can we help?
Reach out and start our conversation.
Frequently Asked Questions
Do you work with high-income individuals earning $400k+ per year?​
Yes. While the amount of income an individual earner is not a determinant of whether we will or will not assist them with their needs, typically, the households we serve have gross income between $200k +/- to $2 Mil +/-. At this level, tax outcomes are driven by timing, structure, and coordination—not basic deductions. Many of our clients are physicians, executives, partners, and business owners. We are not a volume tax-prep firm.
Why do high earners still owe large balances even with withholding?
Payroll withholding is rarely calibrated for interest, dividends, capital gains, K-1s, real estate, retirement distributions, and related taxable income streams that typically have little to no federal and state tax withholdings. Further, tax withholdings are rarely set at levels at or close to their federal and state effective tax rate. And, at higher income levels, surtaxes and phaseouts accelerate faster than withholding tables adjust.
This is why thoughtful single and multi-year strategic tax planning - updated and refined at least semi-annually - is essential for those intent on avoiding overpaying taxes and expensive year-end surprises.
What issues do individuals and business owners you meet for the first time often have?
Many individuals we meet for the first time often come to us from small, medium to large CPA firms with average tax knowledge, with cultures focused on high volume tax return work, historically focused instead of forward thinking and non-committal. many are dissatisfied with a hodge-podge of staff interacting the client - resulting in impersonalized service, poor communications and responsiveness, high fees, errors, mediocre results and high fees. Many clients that come to us have worked with their prior firm for years, were rarely educated and informed in depth in areas that matter to them most and were provided only plain vanilla mass market tax planning services. Instead of being proactively educated and guided to make strategic tax decisions, many are unclear on what actually drives their taxes, opportunities within their reach. As a result, many have had to make financial decisions by reacting - instead of deciding after they understand the tax implications of the options available. Also, the majority have multiple advisors influencing them to make decisions based on the initiatives of the work done each particular advisor - resulting in little to no coordination and confusion.
How is your work different from a traditional CPA relationship?
Traditional CPA relationships are transactional and retrospective, centered on preparing returns and answering questions after the fact. Our work is advisory and forward-looking, focused on decisions before they become permanent. We use projections, scenario analysis, and explicit decision frameworks to guide action throughout the year. Documentation and defensibility are built into the process, not added later. Filing becomes an outcome of good planning, not the service itself.
Let's Stay Connected
Natalie C. Papagni, CPA
Tax, Planning & Advisory Services
4727 Executive Drive Suite 300
San Diego, CA 92121
(858) 754-8277
