Physician Associates
Financial planning built around the way PAs work.
Through our relationship with the American Academy of Physician Associates, we help PAs plan around compensation, benefits, student loans and the years ahead, without the jargon.
The only financial planning firm with the national partnership of the AAPA
For you
This is for you if
- You are a new grad who wants to start strong.
- You are mid-career and want clarity and confidence.
- You are a traveling, 1099 or blended-income PA.
- You are planning for early financial independence or a leadership role.
How we help
How we help PAs.
Tax-aware financial planning
Smart account selection (pre-tax or Roth), employer benefit coordination, and planning for future tax brackets, coordinated with your CPA.
Investment strategy
Diversified portfolios aligned to your goals and risk tolerance, with disciplined rebalancing.
Student loan strategy
PSLF guidance, refinancing analysis and repayment plans tailored to your compensation and career path.
Retirement and independence roadmap
401(k), 403(b) and 457(b) strategy, backdoor Roth considerations, and clear milestones.
Compensation and contract guidance
Understand RVUs, bonus structures, and how different income models affect taxes, savings and investing.
Insurance and life planning
Insurance, cash-flow systems, emergency funds, college planning and coordinated estate basics.
We read your contract with you.
For our clients, at no cost, before you sign.
- Employment agreements, including 1099 and W2 arrangements
- RVU and bonus structures
- How your income model affects savings and taxes
Partners
PA programs and organizations we work with.
National
- American Academy of Physician AssociatesNational partnership
PA programs
- Harding University PA program
- Drury University PA program
- College of Saint Mary PA programNebraska
- Logan University PA programSt. Louis
Our process
Five steps, one conversation at a time.
- 01
Strategy call
We learn your goals, your compensation and your challenges.
- 02
Financial health check
Cash flow, debt, benefits and investments, on one page.
- 03
Personalized plan
Clear actions that fit your goals.
- 04
Implementation
We do the heavy lifting with you.
- 05
Ongoing check-ins
Regular conversations as your life and career change.
Q&A
Questions we hear first.
PAs face their own mix of compensation models, benefits and student loans, which benefit from specialized planning.
No. We plan alongside your CPA and can introduce you to one if you need one.
Yes. We build savings and investing around your income model, including multi-employer or multi-state situations.
Diversified portfolios aligned to your goals and time horizon, with disciplined rebalancing.
Yes. We offer PSLF guidance, refinancing analysis and repayment plans tailored to your compensation and career path.
Yes. We work with RVU and bonus structures, and with how different income models affect taxes, savings and investing.
Yes, for our clients, at no cost, before you sign. That includes employment agreements, including 1099 and W2 arrangements, buy-sell agreements, and trusts and estate documents.
Our firm has a national partnership with the American Academy of Physician Associates. Your plan is still built around your own goals, income and benefits.
Schedule a consultation. We learn about your goals, your work and your questions, then outline next steps.
Our team
Who you will work with.
Stephanie Staggs
CEO & Financial Planner
Don Sullivan
Director of Wealth Management
Noelle Casey
Financial Advisor, RICP®
Next step
Ready when you are.
Schedule a time, call, or send us a note.
Stay in touch