Question 1

Do you work with high-income individuals earning $400k or more per year?

Accepted Answer

Yes. We typically serve households with gross income between $200k and $2 million or more. At this income 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.

Question 2

Why do high earners still owe large tax balances even with withholding?

Accepted Answer

Payroll withholding is rarely calibrated for interest, dividends, capital gains, K-1s, real estate income, or retirement distributions. At higher income levels, surtaxes and phaseouts accelerate faster than withholding tables adjust. Multi-year strategic tax planning updated semi-annually is essential for avoiding year-end surprises.

Question 3

How is your work different from a traditional CPA relationship?

Accepted Answer

Traditional CPA relationships are transactional and retrospective, centered on preparing returns after the fact. Our approach is advisory and forward-looking, using projections, scenario analysis, and decision frameworks throughout the year. Filing becomes an outcome of good planning, not the service itself.

Question 4

What types of clients do you serve?

Accepted Answer

We serve high-income individuals, physicians and healthcare professionals, business owners, entrepreneurs, and private practices throughout California and the Pacific Northwest who are serious about minimizing taxes and planning for their financial future.

NATALIE C. PAPAGNI, CPA - TAX, PLANNING & ADVISORY SERVICES

PRINCIPAL

MEET NATALIE C. PAPAGNI, CPA

Natalie C. Papagni, CPA is the Founder & Principal of Natalie C. Papagni, CPA - Tax, Planning & Advisory Services located at 4275 Executive Square Suite 200, La Jolla, CA 92037.

CREDENTIALS

Certified Public Accountant (CPA) - California Board of Accountancy (2006)

PROFESSIONAL AFFILIATIONS AICPA Solana Beach Chamber of Commerce EDUCATION University of California, Irvine CLIENT FOCUS

High Income Earners

Physicians & Healthcare Professionals

Business Owners - Entrepreneurs

Businesses & Medical Practices

What does Natalie C. Papagni, CPA specialize in?

TAX STRATEGY & PLANNING

Tax Strategy & Planning​

Multi-year federal and state tax projections​​

S-corporation structuring and compliance​

California PTET elections​

RSU / ISO / NSO equity compensation planning​

MAGI Management and NIIT reduction

QBI S199 optimization

Roth Conversions

Capital gains timing and management

Real estate & 1031 exchanges

OBBBA 2025 - 2029 provisions

Retirement Plan Layering (Solo 401(k), DB/CB plans)

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Individuals​

Professional Medical Corporations

S corporations ​

Partnerships​

Limited Liability Companies (LLCs)​

Sole Proprietorships

Trust, Estate & Gift Tax Returns

Late S-corporation Elections

Amended Tax Returns

FBAR Filings

Financial and Advanced Tax Planning for Professionals, High-Income Earners, Physicians and Healthcare Professionals, Business Owners - Entrepreneurs and Businesses​

Mult-entity financial and tax planning

ISO / RSU / NSO equity compensation tax planning

Real Estate financial and tax planning

Optimizing the benefits of business Ownership

Financial & Retirement Planning

Financial Consulting

TAX PREPARATION

ADVISORY SERVICES

Let's Stay Connected

PROFESSIONAL AFFILIATIONS

AICPA
Solana Beach Chamber of Commerce

EDUCATION

University of California, Irvine

CLIENT FOCUS

Tax Strategy & Planning

Multi-year federal and state tax projections

S-corporation structuring and compliance

California PTET elections

RSU / ISO / NSO equity compensation planning

Individuals

S corporations

Partnerships

Limited Liability Companies (LLCs)

Financial and Advanced Tax Planning for Professionals, High-Income Earners,
Physicians and Healthcare Professionals, Business Owners - Entrepreneurs and Businesses