Cobalt PacWest Advisors (CPA)
CPAs & Tax Advisors
La Jolla 🔹 Los Angeles
Transforming Complexity into Financial Clarity
The Beauty of Planning
Strategic Tax Planning + Tax Compliance (Tax Preparation)
+ CPA-led Comprehensive Financial Planning + Business Advisory Services
for Physicians, High Income Individuals and Businesses
🩺 You Care for Your Patients. Let Us Care for You.
Cobalt PacWest Advisors (CPA) specializes in providing tax, planning and advisory services for physicians, specialists and healthcare professionals in private practice and/or affiliated with leading Southern California healthcare organizations, including Scripps Health, UCSD Health, Sharp Healthcare, Rady Children's Health - just to name a few. We work will physicians and healthcare professionals at all stages of their professional career- from residency to retirement (see below).
“As a practicing cardiologist, I know firsthand the complexity of balancing patient care
with financial decisions. Cobalt PacWest Advisors are rare in their ability to understand
both the unique tax landscape and the day-to-day realities of physicians.
Their integrated approach has helped me save significantly on taxes while gaining clarity
on my long-term financial plan.” — Dr. Lee, MD
OBBBA 2025 Physician's Guide
Visit our Case Studies Library
Articles Library
With the passage of the One Big Beautiful Bill Act (OBBBA) in July 2025—and major shifts to student loan repayment plans, retirement contribution rules, and practice-owner structuring—physicians and healthcare professionals are facing a dramatically changed financial landscape. These developments have immediate implications for after-tax income, financial security, and practice planning.
If you are feeling uneasy about the financial decisions you are (or are not) making to increase financial and tax efficiencies and reduce your tax liabilities, and attempts to "guess"
what you need to do each year to be able to fund your family's non-negotiable and "hopeful" financial goals, plans for achieving financial independence and retiring on your terms aren't providing you the confidence you need, you are not alone.
Whether you're navigating the financial challenges of:
🔹increasing financial and tax efficiencies,
🔹OBBBA 2025 physician tax impact,
🔹minimize taxes and avoid year-end surprises,
🔹obtaining financial clarity and peace of mind,
🔹delayed earnings and high student loan debt,
🔹post-residency lifestyle inflation required a steep increase in cash outflows
🔹high tax exposure and years of overpaying taxes,
🔹unaligned W-2 + 1099-NEC and/or private practice income streams,
🔹confusion over retirement plans and benefits (which is right for you?)
🔹set up a private practice or side business to maximize cashflow and tax benefits
🔹financially managing a private practice to maximize cashflow and tax benefits
🔹Understanding decisions that need to be made to ensure you are on-track to achieve your prioritized financial and life goals, minimize risk, achieve financial independence and retire on your terms
🔹developing a solid strategy to achieve financial independence and make work optional
🔹organizing your data to file your 2024 tax return
🔹 how to lower taxes for a physician
🔹tax strategies for doctors
🔹medical practice tax strategies
🔹financial planning for physicians
🔹retirement plans for physicians
🔹San Diego physician tax planning
🔹Orange County physician tax planning
🔹Los Angels physician tax planning
🔹Filing your 2024 tax returns
talk to us about how we can provide the insight, guidance and strategy you need to get you from where you are today to where you want to go - with confidence.
📞 Time is money.
Schedule your complimentary consultation today.
Let’s chart a smarter path forward—together.
🩺Services for Physicians & Healthcare Professionals
🩺Residency-to-Retirement
Early Career
Mid-Career
Nearing Retirement
Enjoying Retirement
Consulting
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Delayed earnings
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Significant student loan debt and ever-changing repayment rules
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High debt-to-earnings ratio
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Building emergency savings
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Limited to no expertise in personal financial management and taxes
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High future earning potential with current financial vulnerability
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Exploration of full or part-time private practice and side business opportunities
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Future career, compensation, relocation and lifestyle exploration and cash flow modeling
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Income spike and tax exposure
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Lifestyle expansion and debt
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Aggressive student loan payoff strategy
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Coordinating multiple income streams for tax efficiency
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Aggressive multi-year tax planning
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Tax efficient wealth expansion
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Marriage, family, home purchase
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Private practice or side income tax optimization integration
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Creative education funding strategies
- Planning for financial independence
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Layered retirement savings strategies
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Exploring retirement plans, quantifying retirement lifestyle and healthcare expenses and plans to leave a legacy
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Tax-Efficient wealth accumulation
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Coordinating multiple income streams for tax efficiency
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Aggressive multi-year tax planning
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Need for proactive tax planning
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Private practice or side income tax optimization integration
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Creative education funding strategies
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Asset protection & legal risk
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Advanced estate planning
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Accelerated retirement planning
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Financial independence or make work option and early retirement exploration
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Solidifying retirement plans, quantifying retirement lifestyle and healthcare expenses and plans to leave a legacy
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Maintaining Financial Independence
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Withdrawal Strategy - coordination across IRAs, taxable accounts, pensions, SS
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Healthcare & Medicare Planning -Medicare Part B/D premiums, IRMAA brackets, supplemental insurance and out-of-pocket risk
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Estate and Charitable Planning Execution - trust distributions, asset titling, family business or real estate transition, creating charitable legacies or endowments
🩺Articles
🩺What Our Clients Are Saying
Dr. Debra K., Internal Medicine
Orange County
“Cobalt PacWest Advisors transformed my practice. Natalie structured my business for tax efficiency, set up a retirement plan, and reduced my tax rate by more than 10%. I now contribute six figures annually to retirement with confidence in my financial future.””
Drs. Dan and Karen L.,
Internal Mediciene
San Diego
“As a dual-income physician household, we were overwhelmed. Cobalt PacWest helped us reduce our tax burden, simplify our finances, and put a plan in place to make work optional by age 60, fund our kids education and pay off our rentals. We are now free from financial anxiety and sleeping well at night.
Dr. David E, Anesthesiologist
Los Angeles
“As an anesthesiologist with both W-2 income and a side practice, my finances were complex and stressful. Cobalt PacWest Advisors built a multi-entity structure, optimized my deductions, and created a coordinated tax and financial plan. For the first time, I feel in control of my finances and confident about building long-term wealth.”
Dr. David L, Cardiologist
“As a practicing cardiologist, I know firsthand the complexity of balancing patient care
with financial decisions. Cobalt PacWest Advisors are rare in their ability to understand
both the unique tax landscape and the day-to-day realities of physicians.
Their integrated approach has helped me save significantly on taxes while gaining clarity
on my long-term financial plan.”
Dr. David S., Resident
La Jolla
“As a resident with modest income and heavy student loans, I never thought I needed a CPA—until I met Natalie at Cobalt PacWest Advisors. She filed my return in under a week, restructured my loan payments, and built a tailored financial plan so I know exactly where to put my income and how to start building wealth early in my career.”