FOR PHYSICIAN ASSISTANTS
A high income, a later start, and no pension. Let’s plan it properly.
Planning for PAs in hospital medicine, surgical subspecialties, urgent care and locums - where the income arrives quickly, the student loans arrive first, and nobody is assigned to explain the benefits package.
ENGAGEMENT MODEL
Fee-only
Hospital medicine
STANDARD OF CARE
Fiduciary at all times
Surgical subspecialty
Student loans shape the first decade
Forgiveness programs, income-driven repayment, and refinancing each depend on your employer type, filing status, and household income. Program terms are set by the federal government and can change.
COMPENSATION
No commissions
Primary care
Emergency & urgent care
START HERE
The Clinician Starting Point
A 45-minute working session. You leave with a written summary of your repayment alternatives, what your benefits cover and a savings sequence.
Loan forgiveness and refinancing alternatives
Employer plan and disability coverage review
Savings sequence for the next 24 months
No cost and no obligation. This session is educational and is not investment, tax, or legal advice. Locums
The benefits election nobody walks you through
403(b) versus 457(b), employer match provisions, and whether a disability policy is own-occupation. We review your actual plan documents with you.
Private practice
Contract and locums income
Estimated tax payments, retirement plan options for self-employment income, and recordkeeping. Contract work is manageable with a process.
HOW IT WORKS
Same firm. A different first ninety days.
Nexus Advisors is fee-only and serves as a fiduciary to every client. What differs by practice is the order of the work.
Descriptions of our process are general. The scope of an engagement is defined in a written agreement.
01 LOAN STRATEGY FIRST
Forgiveness and refinancing alternatives reviewed against your filing status and employer type.
02 PROTECT THE INCOME
Disability and life coverage reviewed against your actual obligations.
03 SET THE SAVINGS ORDER
Employer plan, IRA options, and taxable savings, funded in a documented sequence.
04 TWO REVIEWS A YEAR
Plus a call whenever a contract or an offer is on the table.
CLINICIAN PRACTICE
Who you would be working with
Trenton Carothers creditials