Financial Planning Services in Sacramento
Financial Planning is the thread that connects everything.
We turn complexity into clarity, creating one thoughtful plan that supports the life you love.
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ProsperPlan Wealth is a fee-only fiduciary advisory team.
It’s not just investments.
It’s your whole life.
Anyone can open an account and buy investments. But real financial planning takes a partner. A Certified Financial Planner® professional helps align your money, taxes, retirement, and life goals into one clear plan.
That includes things like:
How much you earn and when you plan to retire
How your retirement accounts and other income sources fit together
When to file for Social Security and Medicare
How to manage taxes and use strategies like Roth conversions and Qualified Charitable Distributions
How much you spend and save
How you protect your family with insurance
How your money passes to loved ones
At ProsperPlan Wealth, we connect these pieces into one clear, coordinated plan that supports the life you want to live.
Everything is Connected.
One financial decision almost always affects another.
For example:
When you take money out of your retirement plan, it increases your income.
Higher income can increase your taxes and Medicare premiums.
Taxes and Medicare costs affect your monthly cash flow.
Cash flow impacts how much you can spend.
How you spend shapes the longevity of your retirement plan.
See the pattern?
Every action has a reaction.
At ProsperPlan Wealth, we help you understand these connections and put them into one clear plan, so you’re not guessing, reacting, or making decisions in isolation.
Your full financial picture, in one place.
Your financial well-being is at the heart of everything we do. We create personalized roadmaps that bring every part of your life together, from taxes and healthcare to investing and legacy planning.
Our goal is simple: clear, thoughtful guidance that helps you feel confident, supported, and less stressed about money.
We’re here to help you build clarity today and peace of mind for the future.
We’re a fee-only, 100% fiduciary firm serving families in Gold River, Rancho Cordova, Carmichael, Fair Oaks, Granite Bay, Roseville, Folsom, and beyond.
Retirement Planning
As an award-winning financial planning firm, we design strategies to help you retire on your terms, balancing income, investments, and lifestyle goals so you can achieve financial independence and a sense of prosperity.
Investment Management
Our personalized, research-backed approach to investment management aligns your portfolio with your risk tolerance and long-term objectives to grow your wealth with the overarching goal being to protect you from downsides while maximizing upside.
Tax Planning
Forward-thinking, money saving tax planning is not about filing taxes. Looking years in advance, we integrate proactive tax and distribution strategies that preserve more of your earnings, and support your financial goals year after year.
Insurance Planning
We don’t sell it. While some insurance may be necessary, it’s oversold to people who don’t need it. Our partner advisors integrate insurance recommendations as part of the larger financial plan we design for you.
Estate Planning
As part of your larger financial plan, our advisors design strategies that preserve your assets. We work alongside your attorney to ensure your wishes are carried and to support the people and things you love.
Thoughtful planning built around your life.
Step 1: Tell Us Your Goals
We start with your story. Your income. Your benefits. Your concerns. And what you want life to look like.
Step 2: Build Your Roadmap
We design a personalized plan that brings retirement, investments, taxes, healthcare, and legacy planning together.
Step 3: Ongoing Guidance
Your plan evolves as markets change and life unfolds. We meet regularly to adjust strategies and support your decisions.
Experience planning that brings everything together.
Schedule a conversation and let’s build a plan that supports your goals, protects what you’ve built, and helps you enjoy what comes next.
Your Questions, Answered
Key insights about financial planning.
Essential FAQs
What is financial planning?
To us, financial planning is about deep understanding and thoughtful guidance.
It starts with a strong grasp of the regulatory environment and the tax implications behind every decision. But it doesn’t stop there. Good financial planning requires going deeper, understanding how the rules work together and how they apply to your specific situation.
Experienced advisors also bring pattern recognition. We’ve seen hundreds of different financial scenarios over the years and have helped people navigate moments very similar to the one you’re in right now. That perspective matters.
At its core, financial planning is the process of asking the right questions, connecting the dots, and helping you find clear, confident answers, so you can move forward without uncertainty.
What's the difference between a financial planner and a financial advisor?
This is a great question, and there is an important difference in how advisors work with you.
While we often use the term financial advisor, our work is rooted in full-service financial planning. The reality is that this title can mean many things. Some advisors focus primarily on managing investments. Some financial planners focus on advice but do not manage investments at all.
At ProsperPlan, we do both, and more importantly, we connect everything. As financial planners, we take a broader view, looking at how your income, taxes, benefits, retirement timeline, healthcare decisions, and family goals all work together over time.
Investments are just one piece of the puzzle. Our role is to help you see the full picture, understand your options, and make thoughtful, confident decisions as life evolves. That’s what we mean when we say we are financial advisors who practice comprehensive, holistic financial planning, guidance designed for real life, not just your portfolio.
What is full service financial planning and wealth management?
Full-service financial planning and wealth management means we don’t just give advice, we help carry the work.
In addition to thoughtful planning and investment management, we handle the day-to-day details that make life easier. We help coordinate income from your accounts, manage tax withholding, and support the moving parts so you’re not left figuring things out on your own.
Instead of calling a 1-800 number, you call our team. You get real people who know you, your plan, and your priorities. Our role is to simplify the process, reduce stress, and make sure your financial life runs smoothly, so you can focus on living it.
What are the core components of a strong financial plan?
The key areas of financial planning are the science behind confident financial decisions.
At a high level, financial planning includes cash flow, investments, retirement income, tax planning, healthcare planning, risk management, and estate and legacy planning. Each area plays an important role, but the real value comes from how they connect. When these pieces are understood individually and coordinated together, they create clarity and reduce uncertainty.
For you, this means decisions aren’t made in isolation. How you take income affects your taxes. Healthcare choices influence retirement spending. Estate planning shapes how wealth is transferred. When these areas are aligned, your financial life works more efficiently and with far less stress.
At ProsperPlan, we apply this science thoughtfully. We connect the data, the rules, and real-life tradeoffs so your money supports your life today and adapts as things change.
What is the 4% rule in financial planning?
The 4% rule is a long-standing guideline that suggests retirees may be able to withdraw about 4% of their portfolio each year, adjusted for inflation, with the goal of making their money last over a long retirement. It was built using historical market data and assumes steady spending and predictable returns over time.
The challenge is that real life doesn’t follow a straight line. Spending changes from year to year. Markets move up and down. Healthcare costs, travel, family support, and major life events don’t happen on a fixed schedule.
That’s why we prefer a guardrails approach. Guardrails set reasonable upper and lower boundaries for spending, allowing income to adjust based on market conditions and your actual needs. In strong markets, you may have flexibility to spend more. In weaker periods, guardrails help signal when it’s wise to slow down, without panic or guesswork.
This approach creates a retirement income strategy that’s more flexible, more realistic, and better aligned with how people actually live, not how a spreadsheet assumes they will.
What does a fiduciary financial advisor do?
A great fiduciary advisor helps make sure your financial life is handled thoughtfully, correctly, and on time.
At ProsperPlan, our role goes far beyond advice. We help ensure things actually get done. That means coordinating details, meeting deadlines, and guiding important decisions.
We help grow and sustain wealth through thoughtful planning, while also protecting it. That includes coordinating specialized planning needs with trusted partners, safeguarding assets against cyber fraud, and helping you navigate complex paperwork like Social Security, Medicare, pensions, and retirement benefits.
We also act as a steady point of contact. Instead of calling multiple offices or a 1-800 number, you call our team. We interface with custodians, plan administrators, attorneys, tax professionals, and family members to keep everything aligned.
Over time, we work with you and your family to educate the next generation, support estate settlement, and ensure your plan continues to reflect your life and priorities. Full-service financial planning means you’re are fully supported by a knowledgeable team of professionals.
Expertise & Credentials
What are the benefits of choosing ProsperPlan for financial planning?
Choosing ProsperPlan Wealth means having a trusted team to guide, protect, and simplify your financial life.
You benefit from professional investment management grounded in thoughtful planning and decades of experience. Our advice is steady, practical, and shaped by having worked through many different financial situations over time.
Just as important, you have real people to call when questions come up. We help with paperwork, coordination, and follow-through so you’re not navigating complex decisions alone. From retirement income and benefits to ongoing account support, we’re here to guide you every step of the way.
We also take protection seriously. Clients receive built-in cyber fraud insurance and credit monitoring, adding an extra layer of security in an increasingly digital world.
Most of all, ProsperPlan offers peace of mind. You have a team you can trust to manage the details, safeguard your wealth, and help ensure your financial life is handled with care, clarity, and confidence.
What qualifications do ProsperPlan’s financial planner advisors hold?
ProsperPlan advisors hold the highest professional credentials in the industry and bring decades of real-world experience.
Our advisors are Certified Financial Planner™ professionals and hold advanced education in financial planning, retirement income, tax strategy, and wealth management. These credentials reflect rigorous training, ongoing education, and a commitment to acting in our clients’ best interests. Each advisor on our team also has a master’s degree in either financial or financial planning.
Equally important is experience. Our team brings decades of hands-on work guiding individuals and families through retirement, career transitions, market cycles, and generational wealth decisions. We believe strong credentials matter, but we also know wisdom comes from having navigated real-life situations many times over.
At ProsperPlan, clients benefit from both technical excellence and thoughtful, experienced guidance they can trust.
Where can I meet with a ProsperPlan advisor?
ProsperPlan clients can meet with their advisor in person or virtually, depending on what works best for them. We have two offices located in Gold River and Roseville, making it easy for clients in Fair Oaks, Rancho Cordova, Folsom, Orangevale, Auburn, Lincoln, and the greater Sacramento area to meet with us locally.
We also work with clients across the country. Many of our clients have relocated to lower income tax states like Idaho, Texas, Florida, Nevada, Tennessee, and Arizona, and we continue to maintain close relationships through secure virtual meetings. Our team is registered to work with clients nationwide, allowing us to provide the same level of thoughtful, personalized service no matter where life takes you.
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What Clients Say About Us
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
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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
Locally Owned and Operated
With offices in Gold River and Roseville, we serve our region and beyond with personalized advice, cutting-edge financial tools, and timely insights.