FOUNDATION
10-hour monthly commitment @ $125/hr (billed in arrears)
$1,250/month
THOROUGH PLANNING SO YOU CAN FOCUS ON YOUR CLIENTS
Outsourced Planner and Tax Strategist
CFP® professional and Enrolled Agent delivering tax-integrated financial plans for your clients Working exclusively with fee-only RIAs (no broker-dealer affiliations)
✅ 20+ years of tax experience
✅ 7+ years of paraplanning
✅ US-based serving advisors nationwide
Who This Is For
Fee-only advisory firms that need senior paraplanning support for comprehensive, tax-integrated planning, specifically:
Solo advisors and small teams (2-5 people)
I work best when collaborating directly with lead advisors who can provide context and mentorship as we build the partnership.
Firms building or refining their planning processes
Whether you're established or growing, what matters is organized communication, reasonable turnaround times (1-2 weeks), and collaborative problem-solving.
Advisors seeking ongoing relationships, not project work
I'm not a fit for seasonal surge support. I build long-term partnerships where we learn each other's working styles and grow together.
Professionals who embrace complexity
I thrive on challenging cases with business owners, executives, and high-net-worth clients where tax planning integration makes a real difference.
Firms that trust their partners
My best relationships are built on mutual respect, constructive feedback, and understanding that quality technical work requires appropriate time.
What You Get
Comprehensive planning and tax strategies for growing RIAs
Comprehensive Financial Planning
Thorough planning so you can focus on your clients
✅ Uncover planning opportunities hiding in the data to find strategies and risks you can bring to your clients
✅ Proactively identify missing information and inconsistencies early so plans move forward without stalling
✅ Scenario modeling and multi-layered what-ifs that drive confident client decisions
✅ Preliminary recommendations and strategies grounded in tax-aware analysis, ready for your review and refinement
✅ Polished plans and deliverables your clients can understand
✅ Detailed workpapers so you can trace every assumption
✅ Investment, insurance, and estate scenarios modeled within your plan.
✅ Deep proficiency in eMoney and RightCapital
Advanced Tax Planning
Where tax knowledge and financial planning meet
✅ Review federal and state returns not just for accuracy, but for planning signals and patterns that shape next year's strategy
✅ Tax projections that drive action including Roth conversions, QCDs, capital gains/loss harvesting, bracket management, etc. to find optimal path
✅ Equity compensation planning for complex situations (RSUs, ISOs, NQSOs, ESPP). Model tax impact of exercise timing, holding periods, and concentration risk so your advice accounts for every layer
✅ Expat and foreign national tax planning for cross-border tax situations. This is where my Big 4 global mobility background directly benefits your clients with international complexity
✅ Proficient in Holistiplan, CFS Tax Tools and custom Excel modeling for projections that go beyond what any single tool can handle
Tax Preparation Support
Tax preparation that complements your planning relationship
✅ Moderate to complex individual returns (no business/trust/estate returns)
✅ Expatriate and foreign national returns. I've been doing this since my Big 4 days.
✅ I'll train on your tax prep software so the process integrates cleanly with your existing systems. You sign and e-file; I handle the preparation.
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 because I believe fee-only advisors deserve a planning partner who genuinely loves the technical complexity of tax-integrated financial planning.
With Big 4 global mobility tax management experience and my CFP® and IRS Enrolled Agent designations, I bring a rare combination of deep tax expertise and comprehensive planning knowledge. I thrive on the challenging cases (e.g., cross-border situations, business owners, executives with complex compensation) where sophisticated financial planning and tax strategies make a meaningful difference in client outcomes.
I work exclusively with fee-only RIAs who value ongoing partnerships over one-off projects. My best client relationships are built on collaboration, mutual respect, and a shared commitment to getting things right. I'm the person who double-checks the details, catches the nuances others miss, and genuinely enjoys diving deep into complex planning scenarios.
While I'm building plans and modeling strategies in your software (eMoney, RightCapital, Holistiplan), you're free to focus on client relationships and growing your practice. You get a meticulous planning professional who integrates seamlessly with your workflows, communicates clearly, and treats your clients' financial lives with the care they deserve.
Based in Atlanta, serving advisors nationwide since 2018. Member of FPA and NATP.
Ready to explore whether we're a good fit?
Schedule a discovery call.
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 types of firms do you work with?
I work exclusively with independent, Fee-Only RIAs with no broker-dealer affiliation. Advisors associated with broker-dealers often have compliance requirements such as exclusivity clauses, contract modifications, workstation access, or fingerprinting that are incompatible with how I operate as an independent contractor. If your firm has a broker-dealer relationship, I'm not the right fit, and I'd encourage you to reach out to a an outsourced planning firm that can accommodate those requirements.
Do you client-face?
I don't attend your client meetings or communicate directly with your clients. However, I do meet with you. I'm available for video calls during onboarding, project kickoffs, and anytime we need to talk through a complex case together. I'm behind the scenes with your clients, but side-by-side with you.
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.
After our 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.