Financial Guidance for Doctors, Nurses, and Healthcare Professionals
Retirement Planning that just works
We partner with healthcare professionals to make informed decisions that improve retirement outcomes.
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ProsperPlan Wealth is a fee-only fiduciary advisory team.
Planning designed to support your long-term goals.
We help healthcare professionals navigate retirement planning by learning the plans inside and out, including pensions, retirement accounts, retiree medical benefits, and the key milestones that make a big difference to your overall retirement plan
Kaiser Permanente
As a Kaiser Permanente employee, your retirement is built around your defined benefit pension, the KP 401(k), retiree medical benefits, and Social Security. With three decades of experience working with KP professionals, ProsperPlan helps you coordinate these benefits into a clear, tax-efficient retirement income plan ensuring everything works to support your retirement.
Sutter Health
If you work at Sutter Health, your retirement may include a pension or cash balance plan, a 403(b), personal savings, and Social Security. Drawing on decades of employer specialized planning experience, ProsperPlan helps you understand how these pieces fit together and build a retirement strategy that supports reliable income and lower tax stress.
UC Davis
As a UC Davis employee, your retirement benefits typically include the University of California Retirement Plan (UCRP), access to the UC 403(b) and 457(b), and Social Security. With decades of experience guiding UC professionals, ProsperPlan helps you align your pension and savings into a tax-smart plan designed for confidence, flexibility, and a smooth transition into retirement.
Medical Professionals Trust Our service
Why do more healthcare professionals choose ProsperPlan?
Healthcare professionals choose ProsperPlan because we truly understand the retirement plans that shape your future. We work with doctors, nurses, and healthcare leaders every day, and we know how complex employer benefits can be.
Our job is to make retirement feel clear, organized, and confident, so you can stop guessing and start planning.
Here’s how we help:
We specialize in your retirement plan
Many advisors give general retirement advice. We are different. We know the details inside your employer plan, and we help you make decisions that protect what you have worked so hard to earn.
We coordinate your retirement
Retirement is not just investing. It includes your pension, 401(k) or 403(b), Social Security, and taxes. We connect all of it into one strategy so nothing gets missed.
We help you master your benefits
Healthcare benefits are valuable, but timing matters. We help you understand your options and choose the path that improves your long-term outcome.
We build an investment strategy that fits your life
Your investment plan should match your goals, your personality, and your season of life. We build a strategy designed to grow your wealth, reduce stress, and support the retirement you want.
You get a long-term financial partner
Retirement is not one decision. It is a series of decisions over time. We stay with you through every season, helping you adjust, optimize, and feel supported as life changes.
Our Process Helps You Thrive
ProsperPlan Wealth is here for the medical professionals in our community. We always put your best interests first, and we help with the things that matter most, like smart tax planning and understanding what your real take-home income could look like in retirement.
Step 1: Learn About You
We’ll start by getting to know you, your goals, and what you want retirement to look like. We’ll review the details of your current situation, including your employer benefits, pension options, retirement accounts, income, and any big life changes coming up. Then we’ll help you organize the moving pieces, so everything feels clearer and less overwhelming. From there, we’ll begin designing a strategy that helps you feel calmer, more confident, and more in control of what’s ahead.
Step 2: Design Your Plan
This is where everything starts to come together. We’ll walk you through your pension options step-by-step, so you don’t feel overwhelmed. We’ll explain your choices in plain language and help you make confident decisions about timing, payout options, and what makes the most sense for you and your family.
Then we’ll build your full retirement plan and investment strategy around those decisions. This includes smart tax planning, estimating what your take-home income could look like in retirement, Social Security timing, and planning for healthcare and retiree medical benefits. By the end, you’ll have a clear plan, clear next steps, and the confidence of knowing it’s all working together.
Step 3: Stay on Track Together
Your life won’t stay the same forever, and your retirement plan shouldn’t either. For many healthcare professionals, life comes in seasons: a new role, a schedule change, overtime shifts, a new contract, a burn-out moment, or a decision to retire earlier than expected. Even the hospital system and benefits rules can change over time.
That’s why our work is not “set it and forget it.” We stay involved with you long-term. If you’re within five years of retirement, just like an annual physical, we recommend an annual check-in. We review your pension timing, your retirement account contributions, your investment strategy, and your tax plan. We also update your retirement income estimates so you know what you are on track to bring home each month.
And as you get closer to retirement, the details matter even more. We help you stay ahead of key deadlines, adjust your plan if markets shift, keep taxes under control, and make sure your retirement paycheck stays reliable. You don’t have to figure it out alone. We will keep checking in, making updates, and guiding the next step, so your plan stays aligned with your goals and the life you want.
Your Questions, Answered
Here’s what you need to know about financial planning for the healthcare sector.
Essential FAQs
Do I have enough to retire, and when can I realistically stop working?
This is one of the most common questions we hear, and often the reason people seek out a great retirement advisor. At ProsperPlan, the goal isn’t just to hit a savings number. It’s to determine when you can confidently replace your paycheck with reliable retirement income. We look at how your pension, investments, and Social Security work together to support your ongoing income needs, then model different retirement timelines and scenarios. This helps you understand when work becomes optional and you can step into retirement with clarity and confidence.
How should I coordinate my employer pension with my personal retirement savings?
When these benefits are coordinated well, they should work together to create steady, reliable income in retirement. At ProsperPlan, we focus on stacking multiple income sources so you receive consistent paychecks throughout each month, much like you did while working. Working with retirement-specialized advisors ensures your pension, retirement accounts, and Social Security are aligned in the right order and timing, helping you create dependable income while managing taxes and long-term sustainability.
How will taxes and healthcare costs affect my retirement income?
This varies significantly based on your employer and the retirement benefits you’ve earned. Some employers offer retiree healthcare that coordinates with Medicare, others provide coverage at a discounted cost, and some do not offer retiree medical benefits at all. These differences can have a meaningful impact on your monthly expenses and long-term cash flow. At ProsperPlan, we help you understand how healthcare costs and taxes fit into your overall retirement picture, so there are no surprises and your income plan reflects the real cost of retirement.
What happens to my spouse or family if something happens to me?
This is one of the most important questions we help families think through. If you pass away while you are still working, it is often the case that your spouse may be entitled to at least a portion of your pension benefit, frequently around half. The choices you make at retirement matter just as much. Selecting the right pension options can help ensure your spouse is supported for the rest of their life without a large reduction to the income you rely on today. We help you coordinate pension elections, beneficiary designations, and estate planning so your family is protected and your wishes are clearly reflected.
Expertise & Credentials
What qualifications do ProsperPlan’s financial advisors hold?
ProsperPlan advisors bring deep experience and advanced training to every client relationship. Our team includes professionals who hold respected designations such as CFP® (Certified Financial Planner™) and CRPC® (Chartered Retirement Planning Counselor), along with master’s degrees in finance and financial planning. These credentials require rigorous education, ongoing continuing education, and adherence to strict ethical standards. Just as important, our advisors have multiple decades of real-world experience working with healthcare professionals and retirees, allowing us to pair technical expertise with practical, thoughtful guidance you can trust.
How is a fiduciary financial advisor different from others?
Choosing a fiduciary financial partner matters because it means your advisor is legally required to put your interests first, always. At ProsperPlan Wealth, being a fiduciary isn’t a label. It’s the foundation of how we work. As a registered investment advisors, our guidance is driven by your goals, not commissions, sales incentives, or outside pressure. This structure allows us to provide clear, unbiased advice across your entire financial life, from investments and retirement income to taxes and long-term planning. When you work with ProsperPlan, you’re choosing a firm built to serve you first, with transparency, accountability, and care at the center of every decision.
Does ProsperPlan specialize in healthcare professional retirement planning?
Yes, ProsperPlan specializes in retirement planning for healthcare professionals. Most of our clients are retired or soon-to-retire doctors, nurses, and technicians from the largest healthcare organizations in the Sacramento area, and we also work with independent medical professionals. We help you coordinate pensions, 401(k)s, investments, and Social Security into a clear, tax-aware retirement strategy that honors both the career you’ve built and the life you are planning for in retirement.
How does ProsperPlan tailor financial plans for healthcare professionals?
We work closely with healthcare professionals as they prepare for retirement, often within five years of their planned retirement date. In our first few meetings, we build your financial plan, review and diversify your investments, and help identify and close any gaps that could impact your timeline. As you enter the final six months before retirement, we create a detailed retirement roadmap and guide you step-by-step through the transition. Throughout the entire process, you have a highly trained, trustworthy advisor by your side, helping you make confident decisions.
Caring for Your Financial Health
Expert analysis and bold thinking for people who want to achieve the extraordinary.
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
Your Financial Wellness is Our Profession.
We specialize in helping healthcare professionals retire with clarity, confidence, and peace of mind.