Through our trusted relationship with AAPA, we’re here to help strengthen the financial success of the PA community—one smart decision at a time.

Integrate tax-efficient strategies. Maximize long‐term growth. Build a plan that works as hard as you do.

Your Plan, Our Expertise

You take care of patients. We take care of the plan behind your paycheck. We are trusted partners with the American Academy of Physician Associates to help Physician Assistants reduce lifetime taxes, invest with discipline, and create a step-by-step path to financial independence—without the overwhelm or jargon.

Your Plan, Our Experience

You take care of patients. We take care of the plan behind your paycheck. We are trusted partners with the American Academy of Physician Associates to help Physician Associate reduce lifetime taxes, invest with discipline, and create a step-by-step path to financial independence—without the overwhelm or jargon.

Why PAs Choose Us

  • We understand PA compensation models, RVUs, and benefits.

  • We focus on tax-efficient planning (we're planners, not CPAs) so more of your income compounds for you.

  • Evidence-based investing designed for long-term growth—not guesswork.

  • A simple process that fits a demanding clinical schedule.

  • A human relationship with proactive check-ins and clear action items.

WHO WE SERVE

New grads who want to start strong

Mid‐career PAs who want clarity and confidence

Mid‐career PAs who want clarity and confidence

PAs planning for early financial independence or leadership roles

How We Help

Tax Efficient Financial Planning

We help integrate tax-efficient strategies into your plan through smart account selection (pre‐tax vs. Roth), employer benefit coordination, and planning for future tax brackets and Roth conversions.

Investment Strategy & Management

Low‐cost, diversified portfolios aligned to your goals and risk tolerance—with disciplinedrebalancing and tax‐efficient asset placement.

Student Loan Strategy for PAs

PSLF guidance, refinancing analysis, and repayment plans tailored to your compensation and careerpath.

Retirement & Financial Independence Roadmap

401(k) / 403(b) / 457(b) strategy, backdoor Roth considerations, and clear milestones to thework‐optional life you want.

Compensation & Contract Guidance

Understand RVUs, bonus structures, and how different income models affect taxes, savings rates, and investing.

Financial Organization & Life Planning

Insurance review (not product sales), cash‐flow systems, emergency funds, college planning, and coordinated estate basics.

Our Simple Process

Strategy Call

Understand your goals, compensation, and challenges.

Financial Health Review

Cash flow, debt, benefits, and investments.

Personalized PA Plan

Clear actions for tax minimization + growth.

Implementation

We handle the heavy lifting with you.

Ongoing Optimization

Regular check-ins as life and career evolve.

What PAs Are Saying

"Taxes down. Investments organized. I finally feel in control."

— PA, Family Medicine

"They explained my contract and set up a plan that actually fits my schedule."

— PA, Emergency Medicine

"I know exactly what I'm working toward—and how to get there."

— PA, Orthopedic Surgery

About Staggs Financial

We're financial planners who specialize in clinicians—especially Physician Assocaite. Our mission is simple: help remove financial stress and put you on a confident, growth-focused path. Through our partnership with AAPA, we bring specialized experience to every aspect of PA financial planning.

Ready to integrate tax-efficient strategies and build long‐term wealth?

This material is for informational purposes only and is not tax, legal, or investment advice. Advisory services offered through a registered investment adviser. Past performance is not indicative of future results.

Frequently Asked Questions

Q1: Why work with a physician associate financial planner instead of a generalist?

A: PAs face unique challenges—compensation models, benefits, and student loans—that benefit

from specialized, tax‐efficient planning.

Q2: Do you provide tax preparation?

A: We don’t file taxes. We provide tax‐minimization planning and happily coordinate with your

CPA or introduce one if needed.

Q3: Can you help if I’m a 1099 or travel PA?

A: Yes. We’ll structure savings, deductions, and investing around your income model, including

multi‐employer or multi‐state considerations.

Q4: What investment approach do you use?

A: Evidence‐based, diversified, low‐cost portfolios aligned to your goals and time horizon, with

disciplined rebalancing.

Q5: How do we get started?

A: Book a complimentary strategy call. We’ll outline clear next steps from day one.

This material is intended for general public use. By providing this content, The Guardian Life Insurance Company of America, and their affiliates and subsidiaries are not undertaking to provide advice or recommendations for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation. Check the background of your financial professional on FINRA's BrokerCheck.


Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 197 SCOTT SWAMP RD., FARMINGTON CT, 06032, 860-6772600. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. STAGGS FINANCIAL SERVICES is not an affiliate or subsidiary of PAS or Guardian. AR Insurance License Number - 20602970.

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This material is intended for general use. By providing this content park avenue securities llc and your financial representative are not undertaking to provide investment advice or make a recommendation for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation.

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