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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 is the go-to CPA for financial and tax matters in San Diego. Her understanding of complex tax matters, planning abilities and ability to articulate what I need to do to achieve the best tax results possible exceeds all CPAs I have worked with previously. Natalie makes filing my tax returns simple, and easy. Natalie clearly cares about her clients, and it shows. Thanks, Natalie"
PA
P. & S. Abrams
Individuals - Tax Planning and Preparation
San Diego, CA
" Natalie is thorough and responsive and understands the complexities of dual physician households with W-2, 1099 and medical practice income better than any CPA we have worked with previously. Highly reccomended. "
MM
M. & S. Margolis
Physicians and Healthcare Professionals
Tax Planning & Tax Preparation
La Jolla, CA
" Equity compensation is genuinely complicated and most CPAs treat it like a reporting exercise after the fact. Natalie treats it like an exceptional planning opportunity — which is what it is. Natalie modeled every ISO exercise scenario for the year, walked us through the AMT exposure under each one, and helped us make decisions before vesting events locked us in. She also coordinated our RSU stock sales to minimize with our capital gains position and set up a Donor Advised Fund that let us make a meaningful charitable gift without the tax hit we expected. Her communication throughout the year is the part that pleased us most. Natalie proactively reached out frequently throughout the year for updates on activities, plans and initiatives since our last conversation, update our financial and tax projections and make sure we were on track with our year-end goals. We have referred three colleagues to Natalie without hesitation."
MJ
M. & K. Johnson
Professionals and Executives - Equity Compensation Tax Planning
San Diego, CA
" We are both physicians. Between us we have two hospital W-2s, a locums S-corp, a private practice K-1, a real estate partnership, and two sets of retirement accounts. Every CPA we interviewed before Natalie either underestimated the complexity or oversimplified it. Natalie understood our situation from the first conversation. She restructured my locums income through an S-corp, implemented a Solo 401(k) that layered on top of my hospital retirement plan — which our prior CPA had told us wasn't possible — and made the California PTET election on the practice K-1. Combined, we reduced our taxable income by over $90,000 in year one. She also updates our income and tax projections quarterly to ensure out estimated tax payments are sufficient, so we don't owe large balances or penalties. We cannot imagine managing our finances without her.
TO
T. & E. Owens
Physicians and Healthcare Professionals, Medical Practice
Strategic Tax Planning, Business Entity Structuring, Individual and Business Tax Preparation
Scripps Ranch, CA
We had been running our medical practice with poor financial structure for six years before we found Natalie. Our accountant at the time was responsive but reactive — returns were filed, questions were answered, nothing was planned. Natalie came in and assessed the full picture. Our prior CPA failed to advise us about the PTET election, did not include QBI deductions on our returns despite being eligible, incorrectly advised us on SEP-IRA contribution limits, how to build Roth portfolios and was running personal expenses through the practice incorrectly. Natalie restructured the entity, set up a Solo 401(k) to max deferrals and profit sharing, made the PTET election and other shareholder perks, cleaned up our accounting corrected our W-2 reporting. Our tax liabilities have dropped significantly since working with Natalie, and we are enjoying learning from her. Natalie is thorough, direct, and genuinely invested in our outcomes, and keeps our wealth advisor aligned with our goals.
SV
S. and E. Valdez
Physicians and Healthcare Professionals, Medical Practice
Strategic Tax Planning, Business Entity Structuring, Individual and Business Tax Preparation
San Diego, CA
" If you are a professional earning RSUs and bonuses, have multiple income streams, complex investments and rentals and haven't received the tax planning expertise you need to feel comfortable you aren't overpaying taxes, you need to call Natalie. In short order, Natalie will develop a plan and projections that will cut wasted tax dollars and keep you on track to achieve your year-end targets."
MO
M. & L. Ottosson
Professionals and Executives - Equity Compensation Tax Planning
San Francisco Bay Area
" My husband and I both have equity compensation at separate companies, a deferred comp plan, a real estate partnership K-1, and two sets of retirement accounts. Every year felt like a guessing game until we found Natalie. She builds a combined household projection that accounts for all of it — how our RSU vesting dates interact with each other, where our MAGI lands relative to key thresholds, and how to sequence withdrawals and contributions to keep our effective rate as low as possible. We are now making planning decisions for the year in Q1 and throughout the year, instead of being blind sighted in April. Natalie is the first CPA who has made us feel genuinely in control of our tax situation."
KS
K. & T. Simpson
Professionals and Executives - Strategic Tax Planning, Equity Compensation, Tax Preparation and Financial Planning
Silicon Valley, CA
" Since working with Natalie, I have thoroughly enjoyed tax planning and filing my individual, business and trust returns the last 6 years. Natalie is an expert in tax planning with tax projections and mapping out how, where and why we can cut excess taxes. Returns are promptly prepared, reviewed and filed. We are delighted with our tax outcomes and have peace of mind."
SK
S. & K. Kohler
Individuals - Tax Planning and Preparation
La Jolla, CA
" Natalie redesigned my practice's financial structure, cleaned up our financials and accounting records. I am now properly structured, making money and enjoying all of the benefits of ownership. I've separated my medical service income from retail and consulting income, tripled retirement contributions, benefited from bonus depreciation, PTET, QBI, business use of my home, company automobile and more. Five stars. "
MS
M. & L. Stein
Physicians and Healthcare Professionals, Medical Practice
Strategic Tax Planning, Business Entity Structuring, Individual and Business Tax Preparation
La Jolla, CA
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Natalie C. Papagni, CPA - Tax, Planning & Advisory Services
4275 Executive Square Suite 200
La Jolla, CA 92037
(858) 754-8277
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