Best CPAs for High-Net-Worth Individuals
Kimberly Green | 2026-03-11
High-net-worth tax planning is not complicated because the math is hard. It's complicated because there are more moving parts—multiple income streams, investment portfolios, real estate holdings, business interests, trusts, estate plans—and the interactions between them create both significant tax risk and significant tax opportunity.
Most CPAs handle one or two of those pieces. The ones who specialize in HNW clients have built practices around handling all of them in coordination—because that's where the real tax efficiency lives.
We reviewed 45+ CPA and advisory firms serving high-net-worth individuals and families. The five below made the list because they treat complexity as their specialty, not an exception.
1. OLarry
About OLarry
OLarry works with high-net-worth individuals, executives, and families with complex tax situations. The all-inclusive flat-pricing model covers multi-entity tax planning, investment income optimization, and tax preparation—with no hourly billing for calls, no surprise invoices when something gets complicated.
The senior advisor does the work directly. No handoff to a junior associate six weeks before filing. For clients whose tax situations involve multiple entities, investment portfolios, and real estate holdings, that continuity matters.
Clients consistently describe the service as white-glove: responsive, thorough, and genuinely proactive about flagging opportunities that a less attentive advisor would miss.
Services
- Multi-entity tax planning and preparation
- Investment income and portfolio tax optimization
- Real estate tax strategy
- Executive compensation and equity comp planning
- Estate and wealth transfer planning
- IRS audit representation for complex returns
Why We Picked Them
The direct senior-advisor model combined with transparent flat pricing removes the two biggest frustrations HNW clients have with CPAs: getting passed to junior staff, and watching the bill climb as complexity increases. OLarry's philosophy is that high-net-worth planning shouldn't require constant negotiations about scope and fees.
2. Cascade Wealth Advisors
About Cascade Wealth Advisors
Cascade bundles tax planning, wealth planning, and investment advisory in one integrated approach. The premise is simple: your tax strategy and your investment strategy should talk to each other. Tax-loss harvesting decisions, timing of income recognition, charitable giving plans, and entity structure all get coordinated in real time.
The firm works with individuals and families with $2M to $50M+ in net worth. Most clients have multiple income sources: W-2 income, business ownership stakes, investment portfolios, rental properties, and sometimes partnership interests. Cascade builds a unified financial plan first, then executes the tax piece.
Services
- Integrated financial and tax planning
- Business owner transition and exit planning
- Investment coordination and tax optimization
- Charitable giving strategies
- Multi-generational wealth planning
- Retirement income planning for high earners
Why We Picked Them
For clients with significant investment portfolios and multiple income sources, tax planning in isolation misses opportunities. Cascade's integrated model catches coordination opportunities—like optimizing when to realize gains, when to harvest losses, and how to structure charitable gifts. That integration typically saves clients 1-3% of taxes annually.
3. Grenadier Tax & Wealth
About Grenadier Tax & Wealth
Grenadier focuses on business owners and executives with complex compensation structures. If you have equity comp (options, RSUs, restricted stock), carried interests, or bonus structures, Grenadier has built specialized expertise in optimizing those situations.
The firm works with executives at public and private companies, business owners with exit plans, and entrepreneurs managing multiple ventures. They've negotiated amendments to equity grant structures with major companies to reduce tax burden while keeping the financial benefit intact.
Services
- Equity compensation planning and optimization
- 83(b) elections and restricted stock strategies
- Stock option exercise strategy
- Business owner exit and sale planning
- International tax considerations
- Trust and estate planning for high earners
Why We Picked Them
If your wealth comes from equity compensation or business ownership, generic tax planning leaves thousands on the table. Grenadier's specialization in equity structures and exit planning means they see situations before they happen and can plan around them, not react to them.
4. Cordova Tax Advisory
About Cordova Tax Advisory
Cordova serves ultra-high-net-worth families ($10M+ net worth) with inherited wealth, multi-generational planning, and international tax considerations. The firm has a legal team on staff and works closely with estate planning attorneys to ensure that tax strategy and legal strategy are aligned.
They specialize in situations that most CPAs never see: dynastic trusts, charitable remainder trusts, international business structures, foreign asset reporting, and cross-border wealth transfers.
Services
- Estate planning and dynasty trust strategy
- International tax planning and FATCA/FBAR compliance
- Charitable planning and private foundation management
- Complex trust tax preparation
- Foreign business and investment structures
- IRS controversy and large case representation
Why We Picked Them
For families with significant assets, generational planning, or international complexity, most CPAs are out of their depth. Cordova's deep expertise in trusts, international structures, and IRS controversy means they can handle situations that most firms would refer out—and charge accordingly.
5. Vantage Point Tax
About Vantage Point Tax
Vantage Point takes a quarterly planning approach. Instead of waiting until January to think about taxes, clients meet four times per year to discuss income recognition, charitable giving, entity structure, and investment timing decisions.
The firm works with entrepreneurs, physicians, and high-earning professionals—typically in the $500K to $5M income range. The philosophy is that tax planning is ongoing, not annual.
Services
- Quarterly tax planning and review
- Entity structure optimization (S-corp, LLC, C-corp)
- Retirement account maximization (Solo 401k, defined benefit plans)
- Real estate cost segregation planning
- Year-end estimated tax planning
- Annual tax preparation
Why We Picked Them
For high-income professionals and business owners, quarterly planning catches opportunities that annual planning misses. Making mid-year income, entity structure, or charitable giving decisions typically saves clients $5,000 to $25,000+ annually compared to waiting until year-end.
How to Choose
If you have significant investment portfolios and multiple income sources, look for integrated planning firms like Cascade that coordinate tax and investment strategy. If you have equity compensation or a business exit planned, specialized knowledge (Grenadier) matters more than general expertise. If your wealth involves trusts, international assets, or multi-generational planning, depth in those areas (Cordova) is essential.
The cost of working with specialists is typically 0.5-1% of assets under advisement, or $10K-$100K+ annually depending on complexity. For most HNW clients, the tax savings and planning efficiency pay for itself.