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Natalie C. Papagni, CPA - Tax, Planning & Advisory Services
4275 Executive Square Suite 200
La Jolla, CA 92037
(858) 754-8277
What makes Natalie C. Papagni, CPA different from other CPA firms in La Jolla
and greater San Diego and California?
Natalie C. Papagni, CPA is a La Jolla CPA firm with 18+ years of experience specializing in providing multi-year strategic tax planning, quarterly tax management, tax preparation and advisory services for professionals and high-income earners, physicians and healthcare professionals, business owners - entrepreneurs and new and existing businesses intent on making proactive and intentional decisions to minimize tax liabilities and effective tax rates, transform complexity and uncertainty into clarity, plan for their financial future and live their best lives.
Natalie C. Papagni, CPA provides the technical expertise found at leading tax, planning and advisory firms with the personalized service, responsiveness and unhurried attention found boutique firms - without the elevated fees.
Clients We Serve
Professionals and High-Income Earners — With and Without Equity Compensation
For professionals and high-income earners, multi-year strategic tax planning is essential to minimize multi-year tax liabilities and protect their evolving financial structures. Our clients typically receive W-2s, and often bonuses, equity compensation, including stock options, RSUs or restricted stock, in addition to, typically, investment income, K-1s and or rental income.
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We provide multi-year tax planning, current-year projections, quarterly tax management, and scenario analysis designed to help professionals anticipate tax consequences, reduce exposure, and align strategy with long-term goals. Our clients gain clarity on projected liabilities, effective tax rates, and the financial impact of key decisions well in advance.
Physicians and Healthcare Professionals - from Residency-to-Retirement
For physicians and healthcare professionals, income structures are often complex, combining W-2 earnings, 1099 income, and K-1 income from practice ownership or side investments. These mixed income streams create planning opportunities that require judgment, foresight, and strategic coordination.
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We help physicians and healthcare professionals anticipate the impact of compensation decisions, identify planning opportunities early, and align tax strategy with long-term financial goals. Our multi-year planning, current-year projections, and quarterly tax management support clients through practice transitions, ownership changes, and long-term wealth building.
Business Owners & Entrepreneurs & the Businesses they Own and Control
For business owners and entrepreneurs, making effective business entity selection, formation and business set-up, financial design and advanced tax planning decisions are essential to support business growth, optimize owner compensation and benefits, ownership transitions, and long-term wealth building initiatives.
We work closely with business owners - entrepreneurs to ensure they have the information they need to make intentional and effective decisions to grow and manage their business and their personal financial affairs, strategically minimize business and personal tax liabilities, file accurate business and personal tax returns capturing all deductions, credits and tax savings opportunities planned for and deserved, achieve their business and personal financial goals and objectives, and transform complexity and uncertainty into clarity - with confidence - so they can focus on living their best lives.
Executive-Level Service, Boutique Attention
Our clients value discretion, responsiveness, and the kind of direct, attentive service that respects both their time and the complexity of their financial lives. We combine that personalized experience with a transparent fixed-fee structure agreed upon in advance, creating clarity, predictability, and peace of mind.
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There are no rushed conversations, no hidden surprises, and no reactive approach to important financial decisions. Instead, clients receive thoughtful guidance, practical strategy, and a trusted relationship designed to support long-term success.
OUR PHILOSOPHY
Our firm was founded on a simple philosophy: combine the technical excellence, expertise, and strategic insight of top-tier advisory firms with the accessibility, responsiveness, and personal attention of a boutique practice — with a transparent and cost-efficient fee structure.​
OUR PRINCIPLES
When you work with us, you can expect to be treated with care, clarity and a genuine commitment to your success. We uphold high professional standards and operate with principles rooted in:
Quality ◆ Integrity ◆ Trust ◆ Collaboration ◆​ Respect ​◆ Transparency ​◆ Service
OUR PASSION IS YOUR SUCCESS
Our success is driven by the success of our clients. The success of our clients is driven by our ability to meet and exceed expectations, deliver efficient, friendly and responsive service, year-round professional insight and strategic guidance in areas that matter to them most that delivers measurable results.​
​Whether you have been working with a large firm and have been receiving less than desirable service, a small firm that that does not understand tax laws relevant to your financial situation or have been making your own tax decisions and preparing your own tax returns and feel you may have been overpaying taxes,
we can help.​
Professional Organizations
Frequently Asked Questions (FAQs)
Who is the best CPA in La Jolla, CA?
Many talented CPAs call La Jolla home. Many La Jolla CPAs focus on providing bookkeeping, accounting and general tax preparation services. If you are looking for heavy bookkeeping, accounting and general tax preparation, La Jolla village has a number of CPAs ready to serve you.
Natalie C. Papagni, CPA - Tax, Planning & Advisory Services has been citied as one of the best CPAs in La Jolla by the community, and has been nominated for the Best of La Jolla 2026 - in the Accounting Category.
Natalie C. Papagni, CPA - Tax Planning & Advisory Services is unique from other La Jolla CPAs as Natalie C. Papagni, CPA specializing in providing advanced tax planning, tax preparation and compliance and advisory services exclusively to high income earners and professionals, physicians and healthcare professionals, business owners - entrepreneurs and businesses in La Jolla, greater San Diego and California. While we can and do provide bookkeeping and accounting services, the heart of our practice is multi-year tax strategy and planning to assist our client make proactive and intentional decisions to minimize their tax liabilities and effective tax rates, and the preparation of individual, trust and estate, gift tax and business tax returns to lock in the tax savings results planned for, earned and deserved.
What should I look for in a CPA near me in La Jolla?
Look for a CPA with technical expertise in areas that matter most to your financial situation, a forward-thinking mindset, a relationship-first approach, same-day responsiveness, operates at a high-level of efficiency, proactively checks in with you no less than quarterly, and readily shares facts, ideas, updates and opportunities that increase clarity, and move you closer to your goals - with confidence.
Is there a CPA in La Jolla or greater San Diego who specializes tax for high-income earners?
Yes. Natalie C. Papagni, CPA - Tax, Planning & Advisory Services focuses specializes in serving individuals earning $250,000 to $2 million+ annually, including professionals with equity compensation, physicians, business owners - entrepreneurs and the businesses they own and control.
Is there a California CPA who specializes tax for high-income earners?
Yes. Natalie C. Papagni, CPA - Tax, Planning & Advisory Services focuses specializes in serving individuals earning $250,000 to $2 million+ annually, including professionals with equity compensation, physicians, business owners - entrepreneurs and the businesses they own and control in La Jolla, greater San Diego and throughout California.
Does Natalie C. Papagni, CPA offer free consultations?
Natalie C. Papagni, CPA - Tax, Planning & Advisory Services provides a complimentary 30-minute consult that can be scheduled from the link provided on the firm's website. Consults can be scheduled as a phone conversation, a zoom meeting, and when available, in-person.
Are there CPAs in San Diego specializing in working with physicians and healthcare professionals?
Yes. Natalie C. Papagni, CPA works extensively with physicians and healthcare professionals, from residency through retirement, with W-2 income from hospitals and healthcare organizations, locums 1099 income, self-employment income,, private practice K-1s and multiple income streams.
How to switch to a new CPA? What is required to switch to a new CPA?
You can typically switch CPAs at any time by signing an engagement letter with the new firm, and providing the new CPA the documents and information needed to understand prior year history, and perform the services requested. For tax planning and tax return services, this is often the last 2 -3 years of tax returns, and financial information applicable to the current year. If additional information is needed, re and granting them authorization (Form 8821 or 2848) to request prior-year tax documents from your previous preparer or the IRS.
How often should high-income earners meet with their CPA?
High-income earners benefit from, at minimum, quarterly in-person, Zoom, or phone call check-ins to review year-to-date and projected income and expenses, financial updates, updates to forward planned initiatives, discuss new opportunities and current and proposed changes to tax laws, discuss financial concerns, confirm and or update quarterly estimated tax payments, and answer any questions the client may have regarding upcoming financial decisions and opportunities. As appropriate, financial and tax projections are updated and refined to ensure the client is focused and on-track to minimize tax liabilities and effective tax rates, and will stay clear of year-end surprises.
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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