retirement planning services in sacramento

retirement planning that makes you feel really ready

Retirement is not just paperwork. It’s a life transition. We start with the life you want, then build a clear roadmap for income, taxes, healthcare, and the decisions that shape your next chapter.

Meet with an advisor

Favorite Financial Planner

Sacramento Bee

2025

Winner via public voting in 2025. No fee for consideration; licensing fee paid for usage. Learn More.

Favorite Wealth Management

Sacramento Bee

2025

Winner via public voting in 2025. No fee for consideration; licensing fee paid for usage. Learn More.

TOP 100 RIA FIRMS

Barron’s

2025

Barron’s rankings awarded to NewEdge Capital Group in September 2025 based on prior 12 month data. ProsperPlan Wealth is not an affiliated entity. Learn More.

Highly Rated Advisor

Wealthtender

2025

Awarded in 2025 based on client reviews in 2025. Criteria: 4.75/5.0 avg rating. No fee for consideration; licensing fee paid for usage. Learn More.

 TOP FEMALE ADVISORS

InvestmentNews

2025

Winner via AUM data (Jan–Dec 2024). Eligibility: $100M+ AUM & verified compliance record. No fee for consideration; licensing fee paid for usage. Learn More.

Women Who Mean Business

Sacramento Business Journal

2025

Selected via independent editorial review of professional/community impact in 2025. No fee for consideration; no licensing fee paid for usage. Learn More. 
ProsperPlan Wealth is a fee-only fiduciary advisory firm.

What stage are you in?

Still working. Still building.

Balancing career, family, and retirement goals is a lot. We help you make a plan that supports life today while building toward the future. Clear priorities. Smarter savings. Investments aligned with your timeline.

Start your plan

Ready to turn savings into income?

This is where real retirement planning begins. We help you transition from saving to spending by coordinating pensions, Social Security, Medicare, taxes, and investments into one clear income strategy.

Build your income Retirement plan

Retirement facts that matter.

  • 45% feel financially prepared for retirement.

  • 42% of Americans are on track to maintain their lifestyle in retirement.

  • 45% plan or have retired between ages 60–69.

  • 72% expect to rely on Social Security for retirement income.

  • 35% say their retirement savings are on track.

Disclosure
Statistics above are sourced from national retirement research including Empower Retirement Readiness data, Vanguard Retirement Outlook, and Federal Reserve economic well-being reports, reflecting trends in savings, preparedness, and expectations as of 2024–2025.

Retirement financial advisor

Why ProsperPlan for retirement planning?

One plan and one direction

Investments, income planning, Social Security, Medicare, tax strategy, retirement accounts, and estate coordination: We bring everything together.

A paycheck built to last

We account for inflation, healthcare costs, market changes, and longer life expectancy so you can spend with confidence while protecting your future.

A fiduciary team that puts you first

Relation-centric and built for service excellence, you’ll receive proactive guidance, high standards, and a calm team that takes your trust seriously.

Your retirement is not a finish line. It's a beginning.

Here’s What Sets Our Retirement Financial Planning Apart

What's included in our retirement planning services?

Choose the level of support that matches your needs. Many clients start with a roadmap, then continue forward with ongoing planning and investment management.

  • Retirement life interview & vision planning
  • Personalized retirement income roadmap
  • Social Security and pension analysis
  • Medicare and healthcare cost planning
  • Tax strategy guidance (Roth conversions, IRMAA awareness, capital gains planning)
  • Retirement paycheck design
  • Ongoing meetings and plan updates
  • Investment coordination aligned to income goals
  • RMD tracking and tax-aware distributions
  • Collaboration with your CPA and estate attorney

Everything above, plus:

  • Coordination across custodians, employers, and benefit providers
  • Family meetings when appropriate
  • Legacy planning conversations
  • Priority access and white-glove service

* ProsperPlan Wealth does not provide legal or tax advice. We coordinate with your professionals and can recommend trusted specialists upon request.

Creating Financial Clarity

What Clients Say About Us

We have been with Lauren and her team for 10 years. Lauren has helped guide us in our FIRE/financial planning that allowed us to retire in our early 50’s from Kaiser Permanente. She went above and beyond by managing our KP index funds while we were still employed and assisted us in transferring our assets to Prosper Plan after we retired. This enabled us to diversify and maximize our gains. Lauren has also been instrumental in helping with our relocation planning now that we’re retired. We have given Lauren’s contact information to so many of our friends because we trust her with our financial lives.

Jeff & Liz
Retired from Kaiser Permanente

I have had the pleasure of working with Lauren Williams for many years, and her expertise and dedication have been invaluable to both my financial well-being and the management of my mother’s trust. From the beginning, Lauren has provided insightful, tailored advice with a deep knowledge of the financial markets, explaining complex concepts in a way that provides immense confidence. She managed my mother’s trust with the same level of commitment, attentiveness, and compassion, ensuring the family’s needs and my mother’s wishes were respected as she gets older. I highly recommend Lauren as a knowledgeable, trustworthy, and dedicated financial advisor who serves as an exceptional partner in managing investments and trusts.

Byron Walker
AT&T

I recently worked with Chris Grellas to review and optimize my 401k, and I couldn’t be more impressed with his professional and personalized service. From the start, he was incredibly informative and accessible, taking the time to thoroughly break down complex investment strategies and tailor advice to my specific financial goals and risk tolerance. Chris was patient and detail-oriented, ensuring I never felt rushed or overwhelmed and that I had a clear understanding of every decision before moving forward. Thanks to his expert guidance, I now feel much more confident about my retirement planning and the future of my 401k, and I highly recommend him to anyone seeking comprehensive financial advice.

Miro Gritsan
Alessandro Electric Inc.

ProsperPlan has been the perfect fit for my financial and investment needs.

Lauren and her team asked questions about my financials goals and welcomed my questions about their company. Their passion for helping their clients achieve financial security is obvious. Very professional, but personal, as well. A great mix, and as a result, I feel more secure about reaching my financial goals.

Lee Auger
Retired from Occidental Petroleum

Lauren is incredibly knowledgeable, approachable, and genuinely cares about helping her clients succeed. She’s made the process of starting my personal finance journey feel clear and achievable, and I’m so grateful for her guidance. I can see why my family trusts her—she truly goes above and beyond for the people she works with.

Annika M.
Accenture

Chris is kind, patient, and always available when I have questions. He brings a calm, thoughtful presence to every conversation and offers sound financial advice grounded in Biblical wisdom. His approach is caring, clear, and values-driven—I’m truly grateful to have him as my advisor.

Ivan Palenyy
State of CA and Kaiser Permanente

I was referred to Lauren as their best Kaiser retirement person and she didn’t disappoint. She presented me all my options in a no pressure manner. I made my decision and she made the transactions with ease.

She continues to communicate with strategies and adjustments. When my coworkers found out about how easy it was and how much my portfolio has increased. I am frequently asked for her number and happily provide the referral.

James Nelson
Retired from Kaiser Permanente

Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are unsolicited, and no cash or non-cash compensation has been provided. As a result, clients do not receive any material incentives or benefits for providing testimonials. Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results. Additional information about NewEdge Advisors, LLC, is available in its current disclosure documents, Form ADV, Form ADV Part 2A Brochure, and Client Relationship Summary Report which can be found online at the SEC’s Investment Advisor Public Disclosure (IAPD) database at www.adviserinfo.sec.gov

FAQs on Retirement Planning

Your Questions, Answered

Key questions about retirement planning.

Essential FAQs

Retirement planning is the process of preparing your finances in a manner that will create income that supports the lifestyle you want after you stop working. It involves setting retirement goals, estimating future income needs and tax ramifications, and developing a strategy to build and manage your savings over time. This includes decisions about when to retire, how to maximize Social Security or pension benefits, how to invest your assets, and how to create a sustainable, tax-friendly withdrawal plan.

To build a retirement plan that accounts for inflation, we start by estimating your future spending needs in today’s dollars and then adjust those projections using a realistic inflation rate, typically between 2% and 3% annually. This helps us determine how much income you’ll truly need over the course of your retirement, and not just at the start. We then design an investment strategy that has historically outpaced inflation, balanced with more stable income-generating investments. Additionally, we factor in inflation-adjusted sources of income, like Social Security or certain pensions, and plan withdrawal strategies that help preserve your purchasing power over time.

Compared to the 7% rule, the 4% rule is generally viewed as a more conservative guideline. It has been widely studied and used in retirement planning for many years. The approach suggests withdrawing 4% of your retirement savings in your first year of retirement, then increasing that amount each year to keep up with inflation. Historically, this method has shown a reasonable chance of allowing savings to last for about 30 years.

Pricing & Contracts

As a general guideline, many pre-retirees planning to retire within the next five years have $500,000 or more in investable assets. This is not a strict requirement, as future savings potential and overall financial complexity also matter. While we often work with clients in this range, many retirees today aim for closer to $1,700,000 by retirement to help maintain their current lifestyle and support long-term income needs.

ProsperPlan Wealth is a fee-only fiduciary team providing comprehensive wealth management and financial planning. We work closely with pre-retirees and retirees to help them prepare for retirement, coordinate income and taxes, and make confident long-term decisions. Most clients choose our full-service, ongoing planning and investment management. Because our work is comprehensive and ongoing, our fee is typically a small percentage of the assets we manage.

Expertise & Credentials

ProsperPlan Wealth’s partner-advisors each has at least a decade of advisory experience and are among the most heavily credentialed and highly educated financial planners in the entire Sacramento region. Each holds a combination of the financial sector credentialing gold standard Certified Financial Planner® (CFP) designation with a master’s degree in Financial Planning (MBA) or Financial Analysis (MSFA).

Yes, a large majority of our clients require either retirement income planning, the development of a business transition strategy, or both. As business owners, we have decades of combined experience employing strategies business owners can use to replace income and manage taxes.  

Your Resource Hub for Smarter Financial Decisions

Empower Your Financial Future Via Education

Thoughtful analysis and bold thinking from leaders who have achieved the extraordinary.

Retirement Planning for Kaiser Permanente Employees

4 MIN READ

The Essentials of High-Net-Worth Liquidity Planning

4 MIN READ

How is the economy currently holding up?

6 MIN READ

How Many Savings Accounts Should You Have in 2025?

3 MIN READ
More Insights
Subscribe To Our Newsletter

Hear from Lauren and Chris

Opinions and Insights from Our Founders
office locations

Stop By To See Us

Explore our locations to find the ProsperPlan team near you.

Gold River Office

HQ & Mailing Address

2377 Gold Meadow Way
Suite 100
Gold River, CA 95670

(916) 909-3993

Roseville Office

3017 Douglas Blvd
Suite 300
Roseville, CA 95661

(916) 909-3993

Retirement Planning Advisors Who Answer to You

We're Here to Help

Our mid-career, partner-advisors, all have decades of experience, advanced degrees, and industry-gold standard credentials.

State Coverage
0
years of experience
0 +
Clients Served
0 +