For physician assistants
On our first call, by phone or Zoom, we’ll look at your contract, your benefits and your loans, and name the three things worth doing first. They’re yours whether or not we work together.
Would your disability coverage pay if you couldn’t work as a PA?
Why Oakwater
Your income is the largest asset you have. First, consider how you’d replace it if an injury or illness kept you from practicing. Then we build a Reservoir around it, so your savings rate can climb as your pay does.
Protect your income
Disability insurance you own, built around your specialty
Get a PA disability quoteDeploy your savings
Loans, investing and retirement accounts, coordinated across every employer
See the whole planMy promise: As a fiduciary, if you pay me to manage your money, I should keep earning it. I look for opportunities all year, not just at your annual review, and bring them to you first. When something falls outside my licenses, I’ll bring in the right CPA, attorney or specialist and work alongside them.
Who we help
The first few years set the habits that compound for decades. Getting them right now is far easier than fixing them later.
You’ve done the saving. Now the questions get bigger: how it’s invested, how it’s taxed and when work becomes optional.
The problem
Most PAs we meet are doing plenty right. The trouble is that nothing is connected.
Employer disability often pays less than you’d expect and stops when you change jobs, and PAs change jobs often.
A default repayment plan can cost thousands, or quietly derail forgiveness you were counting on.
Raises and new contracts often lift spending first, so the savings rate may not move.
A 403(b) here, a 401(k) there, a 457(b) you’ve never looked at. No one is managing the whole thing.
Your CPA, insurance agent and HR benefits portal each see one slice of the picture.
Without a target, it’s hard to know whether you’re on track, or when work becomes optional.
The fix isn’t more products. It’s one plan, in the right order, with someone keeping every piece pointed the same direction.
The Oakwater approach
Investing hard means little if one uninsured accident can undo it, and returns matter less if leaks in your cashflow stop you from investing in the first place. So we protect first, harness second, deploy third, and revisit all three as life changes.
Start here
Emergency reserves, insurance, wills, trusts and beneficiaries. The unglamorous layer that helps keep one bad year from undoing ten good ones.
Then
Cash flow, taxes and workplace benefits. Most households have more room than they think, and it’s usually hiding in the paycheck.
Finally
Investing, retirement income, education and giving. Money put to work on a timeline that’s actually yours, not a generic one.
Your advisor
I’m the advisor behind Oakwater Advisors. The two things I love most are the outdoors and financial planning, so I built something that represents both.
An oak grows slowly and is built for storms it hasn’t seen yet. Water does the opposite: it keeps moving and finds a way through. A good plan needs both: foundations that barely change, and money inside them that keeps working.
Resources
Three guides, a disability quote tool and a calculator, built around the same three moves we use in every plan.
Why PA finances work differently, and a checklist for each of the three moves.
Five short sections, no Social Security number and no health questions. Then send Alex your quote request.
The 4 Bucket Strategy, organized into Protect, Harness and Deploy, with a countdown from 10 years out and a checklist and scorecard at the end.
Why your savings rate matters more than your returns, and how to set up a Reservoir in five steps.
Enter your income, what you save and your time frame. Compare your current path with a Reservoir in under a minute.
PAs are our focus, so we know your contracts, benefits and loan options well. We also work with owners of closely held businesses. See planning for business owners.
No. The first few years are when planning can pay off the most, because good habits have the longest to compound. Any fees are explained on the intro call and in writing before you commit.
It depends on your employer, loan type, income and career plans. We’ll walk through the options with you and pick one deliberately, then revisit it if your job changes.
Your CPA mostly looks back at the year that just happened. Planning looks ahead: protection, cash flow, investments and retirement, in order. We work alongside your CPA and attorney so everyone’s advice points the same direction.
Financial planning is fee-based, and the fee is quoted up front, in writing, before any work begins. If we also manage investments or help with insurance, we’ll explain exactly how we’re paid for each. OneAmerica Securities’ Form ADV Part 2 and Form CRS have the details.
It’s a conversation by phone or Zoom. We talk about where you are and what’s on your mind, and you leave knowing whether working together makes sense. No prep needed.
Get started
Pick a time for a call. We’ll talk about where you are and what you’re working toward.
Pick a time that works for you. By phone or Zoom, no prep needed.
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