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Private Client Services

Cobalt PacWest CPAs & Tax Advisors specializes in providing private client strategic tax advisory, CPA-level comprehensive financial planning, and tax compliance for individuals and families, professionals and executives, physicians, medical specialists and healthcare professionals and business owners - entrepreneurs intent on achieving what matters most and living their best lives with confidence, clarity and purpose. 

 

Planning for your future is essential; this is where you are going to spend
the rest of your life. -  Mark Twain 

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🔹Your Financial Journey, Reimagined

Success isn’t just about income—it’s about making strategic decisions that align your financial life with your personal vision - and, of course, strategically planning to minimize taxes along the way.

 

At Cobalt PacWest | CPAs & Tax Advisors, we offer a highly personalized approach to simplifying the complexities of managing your financial life.

 

We specialize in assisting our clients gain clarity and make intentional decisions.

 

Decisions to strategically minimize taxes, file flawless and efficient tax returns and plan

for their future at levels allowing them to

achieve what matters and live their best life

- with clarity and confidence.​

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Our personalized, CPA-level comprehensive financial planning services integrates all aspects of your life—from income and investments to retirement, estate, and tax strategies.​

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Ready to live your best life—

with confidence, clarity, and purpose?​

🔹Strategic Tax Planning That Grows With You

Navigate Complexity. Reduce Taxes.

Build with Intention.

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At Cobalt PacWest | CPAs & Tax Advisors, we deliver sophisticated, forward-looking tax strategies designed to create high-impact value and results for:


🔹 Emerging affluent individuals and families building wealth
🔹 Mid-career professionals and executives
🔹 High-earning individuals nearing retirement
🔹 Retirees focused on preservation, distribution, and legacy

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Our Expertise Includes:​

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🔹 Multi-Year Tax Projections & Scenario Modeling
🔹 Tax Optimization Across Diverse Income Streams
🔹 Incentive Compensation, Stock Options & RSUs
🔹 Maximizing Business Deductions & Executive Benefits
🔹 Real Estate & Passive Income Tax Minimization Strategies
🔹 Foreign Income Tax Planning
🔹 Retirement & Deferred Compensation Integration
🔹 Charitable Giving, Estate & Gifting Strategies
🔹 Alternative Minimum Tax (AMT) Planning
🔹 Strategic Use of Tax Credits
🔹 Expatriate & Global Mobility Tax Planning

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You’ve worked smart and hard to achieve your success—now is the time to ensure your tax strategy works just as hard for you.

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Partner with a CPA who sees the big picture and is committed to aligning every decision with your financial future.

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🔹Individual, Business & Trust
& Gift Tax Preparation

Seamless, Accurate, and Strategic Tax Filing — Built Around You

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At Cobalt PacWest | CPAs & Tax Advisors, we offer high-touch, CPA-level tax return preparation services for individuals, families and businesses with flawless accuracy and efficiency -  with your peace of mind at the forefront.

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Our approach goes beyond basic compliance. We integrate tax filing with strategic planning to ensure every return reflects thoughtful tax minimization and long-term financial alignment.

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We specialize in preparing the following tax returns and tax filings:
 

🔹Individuals🔹Professional Medical Practices🔹C and S Corporations🔹Partnerships🔹Limited Liability Companies (LLCs)🔹Estates and Trusts🔹Gift-Tax Returns🔹 FBAR Filings

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🔹CPA-Level Comprehensive Financial Planning

Success isn’t just about income—it’s about making strategic decisions that align your financial life with your personal vision.​

 

At Cobalt PacWest | CPAs & Tax Advisors, we provide CPA-level comprehensive financial and retirement planning at levels placing you in full control of your financial future. 

Quarterly or semi-annually, we will collaborate with you to update and refine your "working plan" to accommodate changes in priorities and unexpected events.  

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Your Goals-Focused and Results-Driven Plan will Include, when relevant, the Following Elements:
 

🔹 Goal Identification & Life Planning

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  • Clarify short-, mid-, and long-term goals: e.g., career transitions, home purchase, early retirement, sabbatical, legacy giving

  • Incorporate personal priorities: financial independence, family support, second home, travel, education, or charitable causes

  • Prioritize competing goals through scenario modeling

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🔹 Cash Flow Analysis & Multi-Year Projection

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  • Model current and future income and expenses with cash flow requirements 

  • Project and map future cash flows across life stages and prioritized life goals 

  • Stress-test different life paths; model for sustainability and tax outcomes

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🔹 Tax Strategy Integration

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  • Multi-year tax projections with comparisons across scenarios

  • Roth conversion and backdoor Roth analysis

  • Tax planning for equity compensation (RSUs, ISOs, NQSOs)

  • Charitable giving strategies (DAFs, appreciated assets, CRTs)

  • Trust and estate planning tax implications

  • State tax planning for relocation or dual residency

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🔹 Investment Strategy Review

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  • Alignment of portfolio with cash flow needs, time horizons, and risk tolerance

  • Tax location optimization (asset placement across taxable, Roth, and tax-deferred accounts)

  • Capital gains harvesting or deferral planning

  • Quarterbacking relationships with wealth and real estate advisors

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🔹 Retirement Planning

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  • Retirement income modeling (e.g., 401(k), 403(b), 457, pension, HSA, Social Security)

  • Review of employer plans and deferred comp elections

  • Roth conversions and backdoor Roth analysis

  • Sequencing of distributions to smooth tax liability

  • Post-retirement healthcare expense analysis

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🔹 Business or Practice Ownership Integration (when relevant) 

 

  • Entity structure and tax efficiency

  • Compensation design and retirement plan selection (Solo 401(k), defined benefit, profit-sharing)

  • Tax deduction optimization

  • Section 199A deduction optimization

  • Pass-through entity tax analysis 

  • Optimize the personal benefits of business ownership

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🔹 Education & Family Planning

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  • Education funding strategies (529s, UTMA/UGMA, taxable brokerage)

  • Gifting strategies and annual exclusion gifts

  • Financial modeling for supporting aging parents or multigenerational needs

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🔹 Real Estate Strategy

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  • Tax-efficient home purchase/sale timing

  • Investment property cash flow and depreciation modeling

  • 1031 exchange opportunities

  • State-specific property tax and estate implications

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🔹 9. Risk Management & Insurance Planning

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  • Review of life, disability, umbrella, and long-term care insurance

  • Employer-provided vs. private policies

  • Estate liquidity analysis

  • Professional liability or malpractice exposure integration

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🔹 Estate, Legacy & Charitable Planning

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  • Coordination with estate attorney to ensure plan aligns with will/trust structure

  • Lifetime gifting strategies and use of exemption

  • Charitable planning: donor-advised funds, charitable remainder trusts, private foundations

  • Generation-skipping transfer planning (GSTT) and ILITs​​

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🔹 Scenario Planning & Sensitivity Analysis

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  • “What if” modeling: career exit, second home purchase, sale of business, relocation, early retirement

  • Sensitivity to inflation, investment return assumptions, or tax law changes

  • Monte Carlo or deterministic modeling for retirement success rates (if applicable)

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🔹 Ongoing Planning and Accountability

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  • Quarterly or semi-annual update and refinement sessions to keep your plan current, and keep you focused and on track with achieving your life goals 

  • Real-time planning updates as life changes occur (e.g., 

  • Secure document vault and digital planning access​

2025 © Cobalt PacWest Advisors​

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