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CPA-led Comprehensive
Financial and Retirement Planning
CPA-led comprehensive, CPA-led financial and retirement planning designed to help individuals and families build, preserve and transition their net worth with confidence.
Natalie C. Papagni, CPA provides comprehensive on-going financial planning and retirement planning services to assist individuals, high income earners, physicians and healthcare professionals, business owners - entrepreneurs develop a realistic and attainable plan to align current and future projected income, real estate, investments and other assets coupled with current and projected expenses, liabilities and debt with their prioritized financial, lifestyle and retirement goals.
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As a CPA firm, we believe financial planning should be objective, thoughtful, and aligned with your long-term interests. Our approach is highly collaborative, grounded in reality and technical expertise, and highly effective in providing clarity, confidence, informed decision-making and peace of mind. ​
Key Elements Included in your Financial Plan
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Goal definition and planning assumptions through end-of-plan
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Income and budgeting analysis
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Plan scenario analysis to contrast and compare multiple courses of action
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Current and projected year-over-year cash flows and analysis
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Current and projected year-over-year net worth and balance sheet analysis
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Planning factoring in the impact of projected inflation, appreciation and depreciation
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Tax planning and tax efficiency
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Planning incorporating projected inflation, appreciation and depreciation
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Education funding strategies
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Retirement planning strategies, modeling and decision set analysis
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Pass-through business planning
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Risk management and insurance coordination
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Estate planning strategies and coordination with your attorney
CPA-led Retirement Planning Built on Strategy and Clarity
Retirement planning is not a one-time calculation. In fact, effective retirement planning begins early-career, and requires careful planning, analysis, ongoing adjustments, and thoughtful coordination with tax strategy over the course of your career and well into your retirement journey.
Work with us to develop a solid plan to optimize retirement funding, take advantage of strategies and decision sets relevant to your financial situation to optimize available at retirement and over the course of your retirement journey.
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Retirement planning services include:
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•Retirement income and cash flow projections
•Social Security timing analysis
•Tax-efficient withdrawal strategies
•Required Minimum Distribution (RMD) planning
Roth conversion analysis
Coordination of retirement accounts and benefits
Planning for pre-retirement and post-retirement phases -
Annual update and refinement sessions to keep your plan current and keep you focused and on-track to achieve your financial goals.
Let's Stay Connected
Natalie C. Papagni, CPA
Tax, Planning & Advisory Services
4727 Executive Drive Suite 300
San Diego, CA 92121
858.754.8277
San Diego Tax Planning for Individuals | San Diego Tax Planning for Physicians | San Diego Tax Planning for Businesses
San Diego Tax Planning for Business Owners | San Diego Tax Planning for Doctors
Tax Strategies for Individuals | Tax Strategies for Physicians | Tax Strategies for Businesses | Tax Strategies for S corps
Tax Strategies for Doctors | Tax Strategies for High-Income Earners | Tax Planning Stock Options and RSUs
2025 OBBBA Tax Strategies