FOUNDATION
10-hour monthly commitment @ $125/hr (billed in arrears)
$1,250/month
GROW YOUR PRACTICE, NOT YOUR PAYROLL
Outsourced Planner with Tax Credentials
CFP® pro and IRS Enrolled Agent delivering comprehensive plans and tax strategies for growing fee-only RIAs
✅ Big 4 global mobility tax experience
✅ 7+ years paraplanning
✅ US-based professional
You're Great at Relationships.
Let Me Handle the Technical Work.
Fee-only advisors face a constant challenge: how to grow without sacrificing quality or burning out.
Drowning in Technical Work?
You're spending 15+ hours per week on financial plans and tax projections instead of meeting with prospects and serving clients.
Can't Justify a Full-Time Hire?
A W-2 Senior Paraplanner costs $70K-$80K+ plus bonuses, benefits, training time, and HR headaches. That's a big commitment when you're not at full capacity yet.
Missing Tax Expertise?
Your high-net-worth clients expect sophisticated tax planning but you don't have time to train staff with no tax experience.
What I Deliver
Comprehensive planning and tax strategies for growing RIAs
Comprehensive Financial Planning
Create initial plans and update existing plans from data input through client-ready deliverables
✅ Document review and data analysis
✅ Missing information request
✅ Scenario modeling
✅ Preliminary recommendations
✅ Professional client deliverables
✅ Detailed workpapers
✅ Investment analysis: Scenario modeling within your planning software; you retain responsibility for investment recommendations
✅ Insurance analysis: Review of existing coverage and needs analysis within the financial plan
✅ Estate planning support: Modeling of estate scenarios and documentation of current structures
✅ eMoney and RightCapital proficiency
Advanced Tax Planning
Sophisticated tax strategies backed by Big 4 tax background and continuing education
✅ Federal 1040 and state tax return review
✅ Multi-year tax projections
✅ Tax scenario modeling
✅ Equity compensation planning
✅ Roth Conversions, QCDs, tax bracket analysis and more
✅ Expatriate and foreign national taxation knowledge
✅ Holistiplan and Excel proficiency
Tax Preparation Support
Prepare individual tax returns when needed (advisor signs and e-files)
✅ Moderate to complex personal income tax returns (no business/trust/estate)
✅ Expatriate and foreign national tax returns
✅ Willing to train on your tax prep software
Tools I Use
What Advisors Say
Real results from RIAs who reclaimed their time and scaled their practices
"I've had the pleasure of working with Sandy Cervantes as my paraplanner, and I cannot recommend her highly enough. Sandy brings exceptional technical expertise to complex financial planning work, seamlessly handling comprehensive plan development, tax projections, and detailed financial modeling for my clients. What sets Sandy apart is her meticulous attention to detail combined with outstanding responsiveness. She consistently confirms project parameters upfront, documents her assumptions clearly in Excel workpapers, and proactively identifies missing information—often uploading documents herself before I even realize they're needed. Her ability to turn around comprehensive retirement analyses and tax projections on tight timelines without sacrificing quality has been invaluable to my practice. Sandy's thoroughness gives me complete confidence in the work product I'm presenting to clients. She's the kind of professional who asks the right clarifying questions, meets deadlines reliably, and maintains clear communication throughout every project. Any financial advisor would be fortunate to work with her."
Stephen Hazel CFP®, CeFT®, RLP®, EA
December 17, 2025
Investment & Engagement Options
Choose the level of support that fits your firm's needs.
All engagements require a 3-month minimum commitment.
Additional hours billed at $125/hr.
GROWTH
15-hour monthly commitment @ $125/hr (billed in arrears)
$1,875/month
SCALE
20-hour monthly commitment @ $125/hr (billed in arrears)
$2,500/month
Sandy Cervantes, CFP®, EA
"The most precious resource we have is time."
– Steve Jobs
"The most precious resource we have is time."
– Steve Jobs
I founded eParaplanner in 2018 to give fee-only advisors back their time. Instead of spending 15+ hours weekly in planning software, you can focus on clients and growing your practice without the cost and complexity of hiring full-time staff.
With Big 4 global mobility tax experience and my CFP® and IRS Enrolled Agent designations, I deliver comprehensive financial planning with sophisticated tax strategies others miss. From Roth conversions and QCDs to complex cross-border situations (FBAR, FATCA, treaty positions), I integrate deep tax expertise into holistic planning that goes beyond basic data entry.
While I'm building plans and modeling strategies in your software (eMoney, RightCapital, Holistiplan), you're free to focus on client meetings and revenue-generating activities. You get a detail-obsessed planning professional who integrates seamlessly with your workflows and keeps you informed throughout.
I work exclusively with fee-only RIAs who value quality, clear communication, and data security. Based in Atlanta, serving advisors nationwide since 2018. Member of the Financial Planning Association (FPA) and National Association of Tax Professionals (NATP).
Schedule your discovery call to explore how we can work together.
Frequently Asked Questions
Get answers to the most common questions about working together
What differentiates you from other outsourced planners?
I bring a unique combination of credentials and experience. As a CFP® professional and IRS Enrolled Agent with Big 4 CPA firm experience in global mobility tax, I provide valuable technical support that goes beyond typical paraplanning. I serve as an extra set of eyes for complex tax planning scenarios, combining financial planning expertise with deep tax knowledge.
Which financial planning software do you use?
I specialize in eMoney and RightCapital, and I'm also experienced with MoneyGuide. For complex scenarios that require custom modeling, I create sophisticated Excel-based calculations. For tax planning, I'm proficient in Holistiplan, BNA Tax Planner, and CFS TaxTools. Note: Your firm will need to secure a support planner license and provide separate user access (never shared passwords).
What is your pricing?
With a minimum commitment of 10 hours per month, we offer flexible tiers to match your firm's needs.
Do you client-face?
No. I specialize in back-office support, which means I won't attend client meetings or communicate directly with clients via email. I'm here to support you behind the scenes so you can focus on client relationships.
How do I start working with you?
Let's start with a discovery call to discuss your needs and determine if we're a good fit. If we decide to move forward, I'll provide my independent contractor agreement for review and signature. A brief background check is required before we begin any client work.
Have more questions?
See our COMPLETE FAQs page or book an intro call to discuss your specific needs.
Ready to Reclaim Your Time?
Serving Fee-Only RIAs
Schedule a 30-minute discovery call and explore how we can collaborate to help your practice grow.
Once you schedule your call, I'll send you a free comparison worksheet to help you evaluate outsourced paraplanners side-by-side (including me).
Paraplanner Cafe
Visit Paraplanner Cafe for insights. We love providing helpful resources for aspiring and experienced financial planners who want to learn how outsourced planners can assist RIA owners.