Tax, Planning & Advisory Services
for
Individuals & Families

You Define Your Success - We'll Help You Achieve It

High-income professionals are experiencing higher stress and elevated concerns about both their financial stability and career security than in previous years. Inflation, tax law changes, shifting investment markets, lifestyle inflation, rising family obligations and rapid AI-driven workplace changes are reshaping the future — leaving little margin for error.

If you are feeling uneasy about the financial decisions you are (or are not) making to increase financial and tax efficiencies, manage and control tax outcomes, set and stay on-track to achieve realistic and attainable "stretch" financial goals and live your best life, you are not alone.

Cobalt PacWest Advisors (CPA) specializes in providing tax, planning and advisory services for high-income professionals and families throughout their life journey.

Whether you are navigating the financial challenges of:

🔹Increasing financial and tax efficiencies, and minimizing stress and uncertainty

🔹Finding ways to maximize gross income while lowering modified adjusted gross income (MAGI) to unlock key deductions and credits

🔹Making intentional decisions to minimize taxes to the lowest levels possible and avoid year-end surprises

🔹Making strategic decisions to minimize taxes on ISOs, RSUs and other incentive equity awards

🔹Analyzing the financial impact of a job change or relocation

🔹Developing a financial roadmap for a new business venture and optimizing the benefits of ownership

🔹Understanding how to stretch current and projected income, assets and investments to cover post-inflation cash flows needs to cover post-inflation future expenses, debt and liabilities and prioritized life goals

🔹Developing a solid retirement strategy to target retiring on your terms

🔹Understanding how one or more unplanned events may impact your family's financial future - and how to plan now to minimize the financial risks

🔹Financially managing real estate, and real estate rentals

🔹Filing your 2024 tax return(s)

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.

Schedule via Calendly

Let’s chart a smarter path forward—together.

Let's make 2025 the year you say "no" to overpaying taxes.

And let's make 2025 the year you take full control over your financial future.

Are You Ready?

Talk to a CPA Today

Services for Individuals & Families

Strategic Tax Planning

Multi-year & multi-case scenario tax projections and analysis to minimize federal and state taxes, and evaluate tax outcomes across a variety of decision sets to close the best path forward
Reveals estimated tax payment requirements based on current year projections - minimizing underpayment risk
Protection against unexpected year-end surprises
Equity compensation and multi-income stream tax optimization
Managing MAGI to qualify for key deductions & credits
Effective Tax Rate Minimization
NIIT & AMT planning

CPA-led
Comprehensive Financial Planning

Custom-tailored, holistic, integrated and aligned comprehensive financial planning and reporting with semi-annual updates and refinement

Compensation planning & analysis
Income, asset, investments, expenses, liability & debt projections & analysis with prioritized life goals
Investment advisory services
Business financial planning
Real estate & investments
Insurance - risk management
Estate planning & wealth transfer
Educational funding
Retirement planning optimization

Tax Compliance
(Preparation)

Flawless federal and state tax preparation capturing all deductions and credits planned for, earned and deserved.
Returns we prepare

-Individual tax returns

-Trust and Estate tax returns

-C corp tax returns

-S corp tax returns

- Partnership tax returns

-LLC tax returns

-Gift tax returns

Estimated tax vouchers
Electronic filing
File sharing portal with bank-level security (256-bit encryption)
FBAR Filings
Quarterly Tax Management

Expertise at All Stages of Your Life Journey

Early Career

High debt-to-earnings ratio
Career uncertainty in employment-at-will environments
Building emergency savings
Exploration of full or part-time entrepreneurial interests
Limited to no expertise in personal financial management and taxes
High future earning potential with current financial vulnerability
Future career, compensation, relocation and lifestyle exploration and cash flow modeling

Mid-Career

Income spike and tax exposure
W-2 Straight salary: Income and tax deduction limitations; employment-at-will uncertainty
W-2 salary, bonus and equity award compensation: Income uncertainty and tax planning strategies; employment-at-will uncertainty
Owners - Entrepreneurs:
Limited time, interest and expertise to optimize business finances, compensation and benefits to support family financial goals Lifestyle expansion and debt
Aggressive multi-year tax planning
Tax efficient wealth expansion
Balancing lifestyle expansion expenses with saving for retirement goals
Marriage, family, home purchase
Creative education funding strategies
Layered retirement savings strategies
Exploring retirement plans, quantifying retirement lifestyle and healthcare expenses and plans to leave a legacy

Nearing Retirement

Continued career uncertainty in employment-at-will environments
Business owners - entrepreneurs: business exit planning exploration
Tax-efficient wealth accumulation
Coordinating multiple income streams for tax efficiency
Aggressive multi-year tax planning
Balancing lifestyle expansion expenses with saving for retirement goals
Advanced estate planning
Accelerated retirement planning
Solidifying retirement plans, quantifying retirement lifestyle and healthcare expenses and plans to leave a legacy

Consulting

Enjoying Retirement

Maintaining Financial Independence
Withdrawal Strategy - coordination across IRAs, taxable accounts, pensions, SS
Healthcare & Medicare Planning -Medicare Part B/D premiums, IRMAA brackets, supplemental insurance and out-of-pocket risk
Estate and Charitable Planning Execution - trust distributions, asset titling, family business or real estate transition, creating charitable legacies or endowments

What Our Clients Are Saying

John K., Shareholder

"Cobalt PacWest went far beyond prepare our taxes—they taught us how to run our business-like owners. We now have a passion to grow the business now that we the profit potential".

Bryan N., CTO

"As a CTO with no free time, I needed more than a tax preparer—I needed a strategic partner I could trust to guide my decisions. Natalie was quick to point out where my decisions were off, and saved us $90k in taxes the first year. I am now on track to retire at 58. This is welcome news as I honestly had no clue how far my net worth would take me. Outstanding work."

Michael & Amy M., Director

"I’ve worked with several firms throughout my career. None provided the depth and breathe of tax planning work Natalie provides. I appreciate the quarterly check-ins to keep me focused and my financial plan current."

Michael B. Sr. Manager

"Sharp, discreet and on the ball.

Cobalt PacWest Advisors was exactly what I needed after leaving my prior CPA - who was costing me thousands and never returned my calls. Natalie saves me thousands each year and returns my calls the same day. Thank you, Natalie, for your hard work."

Alan D., Director

"Natalie delivers what every executive needs - direct communication, solid recommendations, personal attention and follow through.
If you are a busy executive looking for a CPA you can trust, talk to Natalie. You won't regret it."

George and Denise G.
Self-employed

"With multiple trusts, an expanding real estate portfolio and alternative investments we needed a CPA to guide us and handle it all. Cobalt PacWest found ample opportunities to save taxes, and explained how in terms we could understand. We are confident our financial future is in good hands."

Cobalt PacWest Advisors (CPA)

Tax, Planning & Advisory Services for Individuals & Families

You Define Your Success - We'll Help You Achieve It ​