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Completely topping a plum tree is a risky business. Cut too much, and you’ll kill your tree. That said, you do need to trim the top of your tree to encourage bushy growth, maintain your tree’s vase shape, and limit size. 

A plum tree's central leader (or trunk) should never extend more than 3 feet above the highest branch. When you first plant your tree, cut the central leader so it’s 2 to 3 feet tall. As it grows, cut it back 12 to 20 inches until it reaches its desired height. Never prune more than one-third of the new growth.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.

Cutting down a tree next to power lines is never a DIY job, and it’s a good idea to contact your utility company first. In most cases, the utility company will need to take care of any tree problems within 10 to 15 feet of power lines. If you want to remove the tree for aesthetic reasons, hire a pro to do the job. Trying to cut trees near power lines yourself can create many safety hazards, and you could be liable if you inadvertently cause damage to electrical equipment.

If you don’t cut down a dead, dying, or diseased tree, it can become a nesting place for pests like mosquitos, bees, beetles, wasps, fly larvae, and more. Some pests will live in the tree, while others will feed off the decaying wood. Unhealthy trees are also more likely to fall over, potentially injuring people and causing damage to your property.