Meet The Team

Transitioning from residency to practice and supporting your patients with outstanding care doesn’t leave you much time to deal with financial issues. Physician’s Resource Services is ready to lend a hand.

Since 2007, we’ve helped physicians build and protect their legacy.

Get Acquainted With the Specialists Who Make It Possible

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Paul Smith, CFP® ChFC® MSFS

FINANCIAL ADVISOR

Bio

Richard Cunningham

ADVISOR

Bio

Erin Anderson, CPA

HEAD OF TAX DIVISION

Bio

Chris Fullbright, CLTC

FINANCIAL ADVISOR

Bio

John C. Jackson, CFP® ChFC®

FINANCIAL ADVISOR

Bio

Jennifer Khan

HEAD OF RISK MANAGEMENT & TECHNOLOGY ARCHITECT

Bio

Cheryl Crowe

BUSINESS MANAGER

Bio

Alex Simmons

DIRECTOR OF BUSINESS DEVELOPMENT & MARKETING

Bio

Gabriela Chavez

TAX ASSOCIATE & OPERATIONS DIRECTOR

Bio

Ted Kroll, CFP®

ASSOCIATE FINANCIAL ADVISOR

Bio

Ana Esperanza Lin

PARAPLANNER

Bio

Virginia Simmons

GME PARTNERSHIPS

Bio

Kyrie Van Deusen-Miller

UNDERWRITING SPECIALIST

Bio

Victoria Gibbs, CFP® EA

DIRECTOR OF FINANCIAL PLANNING

Bio

Monique Fullbright

CPA

Bio

Sara Chavez

AGENT

Bio

Johanna Nuding

Bio

Paul Smith, CFP® ChFC® MSFS

FINANCIAL ADVISOR

Chris Fullbright, CLTC

FINANCIAL ADVISOR

John C. Jackson, CFP® ChFC®

FINANCIAL ADVISOR

Ana Esperanza Lin

PARAPLANNER

Ted Kroll, CFP®

ASSOCIATE FINANCIAL ADVISOR

Victoria Gibbs, CFP® EA

DIRECTOR OF FINANCIAL PLANNING

Paul Smith, CFP® ChFC® MSFS

FINANCIAL ADVISOR

Richard Cunningham

ADVISOR

Chris Fullbright, CLTC

FINANCIAL ADVISOR

John C. Jackson, CFP® ChFC®

FINANCIAL ADVISOR

Jennifer Khan

HEAD OF RISK MANAGEMENT & TECHNOLOGY ARCHITECT

Kyrie Van Deusen-Miller

UNDERWRITING SPECIALIST

Erin Anderson, CPA

HEAD OF TAX DIVISION

Gabriela Chavez

TAX ASSOCIATE & OPERATIONS DIRECTOR

Monique Fullbright

CPA

Cheryl Crowe

BUSINESS MANAGER

Alex Simmons

DIRECTOR OF BUSINESS DEVELOPMENT & MARKETING

Sara Chavez

AGENT

Virginia Simmons

GME PARTNERSHIPS

Find Financial Stability With Our Team

Healthcare professionals are stretched thin between their professional duties and personal matters. PRS helps you keep your financial situation under control so you can focus on what means the most to you.

Schedule a Consultation

For many, the road to financial stability post-graduation is rocky.

Let Our Team Show You the Way

Becoming an expert in your field is a full-time commitment. Healthcare specialists are some of the busiest professionals in the world. When you’re moving from medical school to residency to practice, it’s challenging to stay on top of your financial obligations. Medical school debt and living expenses pile up over time.

Physician’s Resource Services provides the support you need to conquer financial challenges and maintain stability. We’re with you throughout your career, tailoring our services to match your changing situation and your growing success. If you need assistance with student loan debt, tax planning, or disability insurance, we’re ready to help.

PRS Helps You Thrive in Your Field

If you’re unable to work as a physician, you miss out on the competitive wages that allow you to keep up with your financial obligations. PRS lets you stay in your chosen practice even when unexpected health issues impact your ability to perform at the level you used to.

Our disability insurance program places you in a related field in the event of a health complication, so you can continue to advance in the career you love and provide for your family. We also help you qualify for insurance and offer premium discounts.

We Give Time Back to You

Time is a significant factor in your ability to build a financial strategy. PRS respects that your profession is your passion and first concern. We guide you through financial planning and investment management to establish a clear path toward debt relief and comfortable retirement.

Our consultants are experienced in tax law and insurance policies. We learn your short- and long-term goals and lay the groundwork for you to see them through. We’re with you every step of the way, giving you back the time you would have spent figuring it out alone.

Schedule A Consult

Post-graduation life means a lot for a physician. From debt to professional challenges, life gets busy. PRS is here to help you find a financial balance through it all.

Speak With a Professional

Who We Help

The PRS team is prepared to help medical professionals from every stage of their careers find financial solace. Our solutions are tailored to your requirements.

Find My Path

Monique Fullbright – CPA

Monique Fullbright, CPA, brings more than two decades of leadership and financial expertise to Physician Resource Services, where she provides tax planning and preparation for clients. A graduate of Texas State University’s McCoy College of Business (BBA, Accounting), Monique began her career in accounting and later led large-scale sales, marketing, and operations teams at Fortune 100 and high-growth companies. During a 24-year tenure at Dell Technologies, she directed major sales teams and managed billion-dollar business units; she later served as Chief of Staff and Senior Sales Director at Asurion, partnering with senior leadership to drive strategic growth and operational efficiency. Known for blending financial acumen with strategic business leadership, Monique built her career on strong business relationships and building high-performing teams. Monique is active in the Austin community through volunteer work and mentoring emerging professionals. She cherishes time with her husband, Chris, their two sons, and daughter-in-law. She also enjoys traveling, snow skiing, and staying active at Orangetheory Fitness.

Victoria Gibbs – Client Onboarding Specialist

Victoria Gibbs serves as a Client Onboarding Specialist at PRS, where she manages the operational details that keep the client experience running smoothly. She handles account openings and funding, rollovers, and money movement—ensuring every transition is seamless and stress-free. With a deep understanding of financial planning and a passion for precision, Victoria helps create an efficient foundation that allows advisors to focus on delivering meaningful, strategic guidance to clients. Victoria earned her degree in Personal Financial Planning from Texas Tech University and holds both the CERTIFIED FINANCIAL PLANNER™ (CFP®) and Enrolled Agent (EA) designations. She brings eight years of industry experience, most recently serving as a paraplanner. While she valued her time supporting advisors in planning roles, she discovered that operations is where she thrives—bringing organization, follow-through, and clarity to the processes that make exceptional service possible. What excites Victoria most about working at PRS is the opportunity to make a real difference in people’s lives. She is passionate about supporting both clients and her team, ensuring that everyone can focus on the work they do best. By strengthening operational workflows, she helps the PRS team better serve clients in their areas of greatest expertise. Outside of work, Victoria enjoys life with her husband, Devin, and their two dogs and two cats. She loves to read, work out (any kind of workout will do!), and spend time with friends and family. Victoria and Devin also share a love of travel and make it a goal to take a couple of trips each year to explore new places and experiences.

Kyrie Van Deusen-Miller – Underwriting Specialist

Kyrie Van Deusen-Miller is an Underwriting Specialist responsible for managing cases from initial submission through final underwriting approval. She brings a well-rounded background across multiple segments of the insurance industry, with hands-on experience guiding policies through the full underwriting lifecycle. Kyrie began her insurance career in 2017 working with State Farm agents before expanding into high net worth personal and commercial lines. In March of 2025, she transitioned into high net worth life insurance, further strengthening her expertise in serving complex client needs with precision and care. Kyrie’s connection with PRS came full circle after meeting our head of risk management, Jennifer Khan at a Penn Mutual study group in Chicago, making the opportunity to now work alongside her especially meaningful. Originally from Connecticut, Kyrie relocated to Arizona in December 2015, where she met her husband, Daniel. They were married on Halloween in Central Park in 2019. Outside of work, she enjoys traveling (especially cruising) and spending time with her four cats: Munson, Brioche, Panko, and Nugget.

Ted Kroll - Associate Financial Advisor CFP

Ted Kroll brings five years of experience in the financial services industry to his role as an Associate Financial Advisor at PRS. He focuses on comprehensive financial planning, identifying tax-efficient strategies, and supporting advisors to help clients achieve their financial goals. Before joining PRS, Ted served as an Associate Advisor at Legacy Financial Partners. He earned his degree from the University of Minnesota Duluth. What excites Ted most about working at PRS is the firm’s exceptional culture—one that values teamwork, sees each person as more than just their title, and maintains a deep commitment to client success. Originally from Spicer, Minnesota—a lively lake and cabin town—Ted enjoys making the most of summers by spending time on the water and participating in local events. Outside of work, he’s an avid CrossFitter and serves on his city council.

Sara Chavez – Agent

Sara Chavez supports the PRS team by helping residents and fellows navigate their disability insurance consultations and options as they transition out of training. From scheduling exit consults to following up on FIO opportunities, she works hard to keep clients informed and on track. She also assists in note-taking for consultations and is currently studying for her Life & Health Insurance exam, with plans to expand her role in the near future. Sara holds a bachelor's degree in Psychology from St. Edward’s University, having started her academic journey at UTRGV. Though new to the financial planning world—joining PRS in September 2024—she’s quickly become a valued member of the team thanks to her drive, curiosity, and dedication to growth. What excites Sara most about PRS is the opportunity to learn every day alongside a team that genuinely cares about their clients. “Everyone is so willing to help, and I’m grateful for their patience as I grow into this field,” she says. “It’s exciting to see how much I’m learning—and how much more there is to learn.” Outside of work, Sara enjoys singing, listening to music, reading, and exercising. She’s especially passionate about psychology and often tunes into related podcasts in her free time. A proud Texan born and raised in McAllen, she shares a home (and a very opinionated pug) with her older sister, Gabby. Sara also plays the violin and collects anything pink—her favorite color and personal trademark.

Virginia Simmons – GME PARTNERSHIPS

Virginia Simmons has a diverse career, starting with a significant role in Graduate Medical Education at the University of Texas Medical Branch (UTMB) and Real Estate, where she actively helps clients find homes. Now, as an agent with Physician Resource Services, she’s excited to continue supporting people, especially healthcare professionals. Outside of her professional career, Virginia enjoys staying active with CrossFit, fishing, running, and traveling. She cherishes spending time with her family and finds balance and fulfillment in her professional and personal life.        

Ana Esperanza Lin – PARAPLANNER

Ana Esperanza Lin brings both heart and precision to her role as a paraplanner at Physicians Resource Services. Originally from Buenos Aires, Ana earned her medical degree from Universidad de Buenos Aires and trained as a pediatric resident at Hospital de Niños Ricardo Gutiérrez. After losing her Taiwanese parents to cancer at a young age, Ana found a new purpose in financial planning—driven to help others enjoy life now without sacrificing their future security. Currently pursuing her CFP® certification, Ana supports the advisory team by gathering client data, running complex financial projections—from retirement and college planning to home purchases and Social Security—and helping transform financial strategies into real-life action. Her thorough follow-up helps advisors implement plans. When she's not building financial models or encouraging clients to take the next step, Ana is likely off on an adventure with her husband and two kids, mastering the fine art of traveling light (or trying to). And in case you’re wondering—yes, she once went viral for singing a song about Staphylococcus aureus on YouTube. Finance, medicine, and music? Ana blends them all with joy.        

Robin Bales - AGENT

Robin has owned a Commercial Leasing Company providing financing to doctors and other operators for their equipment beginning in 2007. After the global crash of 2008, she went to work for NYL and spent 3 years there working with other entrepreneurs securing their retirement future and safeguarding their personal asset risks. Robin opened her own agency in 2017 Legacy by Design and has run a national firm coast to coast with 50-70 agents. Today the agency is much smaller serving 5 agents who share the same vision and passion for clients focusing on health insurance, Medicare, and annuities. Robin is most connected to ethos of PRS mission to improve the lives of doctors and their families. Supporting those who run the leading infrastructure of our country. Robin has been married for 22 years to her husband, Steven. Together they have 3 girls and have built a family with strong values and commitment to each others successes. Robin's family members are home bodies by nature and enjoy their 3 dogs hanging in living room or kitchen.        

Erin Kohles – Underwriting Processor

Erin supports our advisors and clients during the insurance underwriting process in multiple ways. On a given day, she helps by processing applications, tracking and following up on open cases, and answering client questions. She appreciates the part she plays in helping clients prepare for the future, and she strives to make the process as simple and efficient as possible. Erin has been in the insurance industry for two years and brings with her six and eight years of experience in accounting and quality control, respectively. She graduated from Ball State University and has her life & health and property & casualty insurance licenses. In her free time, she enjoys cheering on her two boys who play basketball, soccer, and baseball; traveling with her husband; and playing with their Yorkie, Mingo.                  

Gabriela Chavez – Tax Associate & Operations Director

Gabby Chavez brings a dynamic blend of precision and creativity to her dual role as Tax Associate and Operations Director at PRS. She manages operations within the tax department—streamlining workflows, enhancing client communication, and preparing returns with a sharp eye for detail. Gabby also leads improvements to internal processes, helping the team stay organized, efficient, and ready for whatever comes next. A graduate of the University of the Incarnate Word, Gabby has been in the tax and financial services industry for three years. What she values most about working at PRS is the culture of innovation and collaboration—where ideas are encouraged and initiative is rewarded. Outside of the office, Gabby’s love for exploration and creativity shines. She enjoys traveling to new places, practicing yoga, reading fiction, and performing Folklorico dance. She shares her home with her sister, Sara, and a spirited nine-year-old pug whose personality rivals anyone’s.                

Erin Anderson, CPA – Head of Tax Division

Erin Anderson brings over a decade of experience in accounting and tax planning to PRS. Since earning her CPA license in 2018, she has specialized in identifying and implementing tax-efficient strategies that align with clients’ financial goals and help maximize their savings. Erin supports the firm by developing customized plans that make a meaningful impact on clients' long-term success. She holds a double Bachelor's degree in Accounting and Agricultural Economics, along with a Master's degree in Agriculture from Oklahoma State University—where her passion for numbers and people first took root. What excites Erin most about her work at PRS is the opportunity to build strong client relationships and guide families toward financial confidence through strategic tax planning. Outside the office, Erin lives in Temple, Texas, with her husband, Jordan, and their three children, while Jordan completes his anesthesia residency. Originally from southern Oklahoma, the Andersons look forward to returning home in the future. In their free time, you’ll find them outdoors as a family or cheering on OSU football.              

Alex Simmons – Business Development & Marketing

As the head of Business Development and Marketing at Physicians Resource Services, Alex Simmons leads strategic initiatives that drive growth, enhance client engagement, and elevate the PRS brand. She works closely with every department to identify opportunities, refine internal processes, and ensure that the firm's services and messaging stay ahead in a competitive landscape. Alex holds a Bachelor of Business Administration in Energy Commerce from Texas Tech University. Her background in business strategy, combined with a creative eye for marketing, brings a balanced and forward-thinking perspective to the PRS leadership team. A proud Texas native, Alex enjoys going to brunch, taking long walks with her dogs, and spending weekends out on the water boating with family and friends.            

Kevin Burris – Paraplanner

Kevin received his BA and MBA from Indiana University, earned the Certified Financial Planner (CFP) designation from the University of Georgia, and Retirement Income Certified Professional (RICP) designation from the American College. Kevin is looking forward to helping physicians live their best life. Kevin enjoys spending time on the lake with his wife, playing golf, and watching Indiana University sports.          

Karli Allen – Paraplanner

Karli brings four years of financial services industry experience with her to Physician’s Resource Services. As our firms paraplanner, Karli assists in on boarding new financial planning clients, gathering financial data, and meeting preparation. She holds FINRA Series 6, Series 63, and Series 65 licenses along with her insurance license. Karli is a graduate of The Master’s University in Santa Clarita, CA, and has a business degree with emphases in accounting, finance, and management. She and her husband, Jamisen, recently moved from Southern California and live in Leander, TX. Outside of the office, Karli enjoys photography, traveling, and exploring new coffee shops in the Austin area.        

Jennifer Khan - Head of Risk Management & Technology Architect

Jennifer Khan brings a unique blend of technical insight, strategic oversight, and client-first thinking to her role at PRS. As Head of Risk Management and Technology Architect, she oversees life and disability insurance underwriting, manages in-force policy service, leads project management for GME GSI policies, and maintains the firm’s Salesforce platform and broader technology infrastructure. A graduate of Southeast Missouri State University, Jennifer has been in the industry for eight years. Her favorite part of the job? The people. “What we do is important,” she says, “but the best part is meeting new clients every year, hearing their stories, and watching them grow—adding family members, launching new practices, and thriving. It’s a joy to be part of their journey.” Outside the office, Jennifer is a creative powerhouse. A former stage actress and improv performer in Chicago, she now channels that energy into local productions when time allows. At home, she shares life with her husband, their five-year-old daughter, and their cat, Winnie—an office regular and professional napper. She describes herself as a hobby collector: reading, video games, crochet, DJing, exercise, and furniture rehab are just a few of the things she enjoys. Whether she’s exploring new restaurants, diving into tech projects, or hitting a local festival with her family, Jennifer approaches life with curiosity and creativity.        

Cheryl Crowe– Business Manager

With nearly two decades of experience in the financial services industry, Cheryl Crowe is the backbone of operations at PRS. As Business Manager, she oversees daily operations, supports advisors, and ensures top-tier service for every client interaction. Her commitment to excellence and attention to detail help keep the firm running smoothly and efficiently. Cheryl is a proud graduate of the University of Texas at Austin and brings 18 years of industry experience to the team. What excites her most about working at PRS? Simply put: the people. She thrives in a collaborative environment where client relationships and internal teamwork take center stage. Outside the office, Cheryl enjoys life with her husband, Robert. She’s a proud mom to three daughters and a son-in-law, and loves spending time with her two granddaughters. In her free time, you’ll often find her in the garden or working on a good puzzle.      

Michael Kohles – Agent

Michael attended Lake Michigan College and Siena Heights University, graduating magna cum lade with a Bachelor of Business Administration, with a major in Finance and minor in Marketing. Michael has been in the financial services industry since 2015 and has experience with multiple insurance verticals. Michael is excited to help physicians achieve their financial goals by providing insurance solutions. Michael is married to Erin and has 4 children. Michael also enjoys reading, golfing, playing poker, learning, and traveling.    

John C. Jackson, CFP® ChFC® – FINANCIAL ADVISOR

With over a decade of experience in financial services, John Jackson helps clients navigate some of the most pivotal decisions of their lives. As an Associate Financial Consultant at PRS, he provides expert guidance on financial planning, offering insight and support that empowers individuals and families to make informed, confident choices. John is a graduate of the University of Texas and holds both the CERTIFIED FINANCIAL PLANNER™ (CFP®) and Chartered Financial Consultant® (ChFC®) designations. He values the meaningful, lifelong relationships PRS builds with clients and thrives in an environment where no two days are the same. “We take our role in our clients’ lives seriously,” John says. “It’s often their first introduction to financial education—and we aim to make that experience both informative and empowering.” Outside of the office, John’s life is full and lively. He and his wife, Christine, married in 2019 and welcomed a unique first year of marriage—spent largely inside together during the pandemic. Now, they’re parents to three young kids: Jack, Casey, and Juliette, and share their home with a loyal Golden Retriever named Dixie. John played lacrosse at UT and continues to share that passion through youth coaching. He enjoys driveway time with his kids, DIY trim carpentry projects, cheering on Texas Football and Dallas Stars hockey, and being part of the vibrant community at Crossings Community Church in Oklahoma City. While he once played the drums, his kit remains sidelined—Christine isn’t convinced it belongs in a house full of kids and close neighbors. (He's still working on that one.)  

Chris Fullbright – Financial Advisor

With over 20 years of experience in the financial services industry, Chris Fullbright brings seasoned insight and a strong entrepreneurial spirit to his work as a Financial Advisor at PRS. Having launched and led multiple businesses himself, Chris offers a unique perspective when advising fellow entrepreneurs and business owners—understanding both the opportunities and challenges they face. Throughout his career, Chris has served in both advisory and leadership roles, including mentoring new advisors as they grow their practices. His expertise spans a wide range of financial planning areas, but his focus lies in supporting physicians, entrepreneurs, families with special needs, and closely held business owners—groups he serves with a blend of professional knowledge and genuine personal commitment. A proud graduate of Texas State University, Chris lives in Texas with his wife, Monique, and their two sons. He values faith, family, and service—and is passionate about helping clients build secure, purposeful financial futures.

Paul Smith, Cfp® Chfc® Msfs – Financial Advisor

With 17 years of experience in financial services, Paul Smith brings a thoughtful, client-centered approach to financial planning. As a Financial Advisor at PRS, Paul works closely with physicians and their families to develop comprehensive, personalized strategies that support their long-term goals—whether it’s managing debt, building wealth, or preparing for life transitions. His background in psychology helps him navigate the emotional side of financial decisions, giving clients both clarity and confidence. Paul holds a B.A. in Psychology from Texas State University and earned his Master of Science in Financial Services from The American College. He has been a CERTIFIED FINANCIAL PLANNER™ professional since 2012 and also holds the Chartered Financial Consultant® designation. What excites Paul most about working at PRS is the opportunity to serve the physician community in a meaningful way. “Our clients give so much of themselves to others,” he says. “It’s incredibly rewarding to be able to support them, simplify their financial lives, and help them make smart decisions that impact their families and futures.” Outside the office, Paul is a proud dad to two daughters, Nyla and Hazel. He’s a dedicated supporter of their school band programs and loves attending concerts with them. When he’s not cheering them on, he’s likely at an Orange Theory or Pilates class—or in the backyard BBQing for friends, a favorite pastime that combines good food and great company.

Richard Cunningham – Advisor

For 30 years, Richard has been helping clients reach their financial goals with sincerity and integrity. He works with GME program administrators, individual physicians and their families to help doctors achieve financial security. Richard is a graduate of the University of Texas at Austin, with a Bachelor’s Degree in Economics. He studied in Paris at the Sorbonne. Richard supports numerous charitable organizations, is actively involved in Austin Recovery, and he participates in the Leukemia Lymphoma Society as a survivor of CML. Richard is married to Adrienne with two children, Raven and Coates.

Johanna Nuding

Johanna Nuding is a seasoned solution facilitator and strategic communicator who helps organizations drive business growth through the power of storytelling. With more than 25 years of experience across media, marketing, and sales, she brings a unique blend of creativity and insight to every engagement.
Johanna earned her Bachelor of Arts in Mass Communications and Broadcast Journalism from Midwestern State University, graduating with honors. Her career began in national and local radio sales, where she developed a strong foundation in audience engagement and revenue strategy. She went on to expand her expertise across diverse industries, including professional sports, media, real estate, and live event and lifestyle tours, where she built impactful sales and customer engagement programs.
Over the past decade, Johanna has focused on serving corporate clients as a freelance marketing strategist, specializing in edutainment podcast development and production. She leverages this medium as a powerful brand-building tool, helping organizations like PRS connect authentically with their audience while delivering value-driven content.
Rooted in her heritage as a fifth-generation member of a Texas cattle ranching family, Johanna is a team player with grit and authenticity. When she's not producing The Patient Physician podcast, you can find her hosting the Soil Sisters podcast, where she shares stories grounded in heritage, community, and regenerating the land.