Insurance Consulting services in Sacramento
helping you make the right choices
We don’t sell insurance which means our guidance is completely unbiased.
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ProsperPlan Wealth is a fee-only fiduciary advisory firm.
Insurance planning that fits your life.
We take a forward-looking approach to protecting your wealth.
By combining smart investing with thoughtful insurance guidance, we help reduce risk and strengthen your financial security. Every recommendation is designed to support your goals, protect what you’ve built, and align with the life you’re creating.
Because we don’t sell insurance, our role is simple: help you make clear, confident decisions.
Here's how we work to protect you.
1. Understand What You Truly Need
Insurance should fit your life, not the other way around.
We start by looking at your full financial picture, including your family, income, assets, and future plans. From there, we help identify what coverage makes sense. For example, parents with young children may benefit from life insurance, while others may need disability or long-term care planning.
No guesswork. Just thoughtful guidance.
2. Compare Options Without Bias
We don’t earn commissions.
As a fee-only fiduciary firm, our advice is objective. We research coverage types, costs, and policy structures so you can choose what works best for your situation, without pressure or product sales.
Your interests always come first.
3. Make the Fine Print Simple
Insurance language can be confusing.
We break down complex policies into plain English, explain what matters, and help you understand exactly what you’re signing up for. Our goal is for you to feel informed and confident in every decision.
4. Integrate Insurance Into Your Financial Ecosystem
Insurance isn’t a standalone decision.
We make sure your coverage works alongside your investments, tax strategy, retirement goals, and estate plan, so everything moves in the same direction.
Your money is completely aligned.
5. Review and Adjust as Life Changes
Life evolves, and your plan should too.
Whether you get married, welcome a new child, change careers, or buy a home, we’ll revisit your insurance regularly to be sure it still fits your needs. We typically review policies annually and adjust as your life enters new seasons.
Cyber Insurance in Sacramento
Going above and beyond for our clients.
We believe smart planning means reducing risks where possible and insuring what cannot be controlled.
That is why ProsperPlan integrates cybersecurity insurance into your broader financial strategy.
Cyber-Fraud Insurance for Client Accounts
Through our partnership with NewEdge Advisors, our clients receive enhanced cyber and fraud insurance, including protection against social engineering scams, coverage for client fund losses, and breach response support if something ever goes wrong.
Up to $1 Million in Identity Theft Protection
In collaboration with TransUnion, ProsperPlan clients receive real-time credit monitoring, fraud alerts, recovery assistance, and up to $1,000,000 in identity theft insurance, including reimbursement for stolen funds from any financial account.
Social Engineering Insurance Backed at the Network Level
Beyond individual client coverage, NewEdge provides firm-wide social engineering insurance of up to $25 million to protect client funds, adding an additional safety net against sophisticated scams.
Breach Response and Data Recovery Services
If personal information is compromised, clients have access to professional breach response services, including data recovery support and guided next steps. This means you are not navigating cyber incidents alone.
Multi-Layered Cybersecurity Infrastructure That Supports Insurance Coverage
Insurance only works when paired with strong prevention. Your protection is reinforced by enterprise-grade safeguards including encryption, multi-factor authentication, continuous monitoring, endpoint detection, and ongoing security upgrades. These systems reduce risk and improve peace of mind.
Strategic management every step of the way.
We take the time to truly understand our clients’ needs. Using a disciplined approach to risk management, we build personalized financial plans designed to protect your interests and your assets.
Step 1: Coverage Review
We'll conduct a thorough analysis of your current insurance coverage and investment risk exposure. We review your entire financial situation to identify gaps and opportunities for stronger protection.
Step 2: Personalized Plan
Next, we'll develop a customized insurance and investment strategy tailored to your goals and lifestyle. This plan combines the right coverage recommendations to protect your assets.
Step 3: Ongoing Adjustments
Finally, we'll continue to monitor and adjust your plan to reflect changes in your financial situation and goals. This ensures your protection remains aligned with your evolving needs and future aspirations.
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Do you need life insurance after retirement?
Saving for Retirement
Your Key Questions, Answered
See our essential insurance management questions and answers below.
Essential FAQs
What is insurance management?
Insurance planning is the process of evaluating your financial risks and choosing the right coverage to protect yourself, your family, and your assets. It ensures you have the appropriate policies – life, disability, long-term care, umbrella, and more – to safeguard your assets and income.
Expertise & Credentials
What qualifications do ProsperPlan’s insurance planning advisors hold?
With master’s degrees and advanced financial services sector credentials, our research has led us to believe that the partner-advisor team at ProsperPlan Wealth is among the most educated and highly credentialed teams in the entire Sacramento region.
How is a fiduciary insurance planning advisor different from others?
A fiduciary insurance planning advisor is legally and ethically required to act in your interest under a fiduciary standard, placing your needs first. Unlike some advisors who may recommend products that benefit them, ProsperPlan’s insurance management consultants do not work on commission nor labor under any quotas. Our advice is completely independent of outside concerns.
Does ProsperPlan specialize in retirement income planning and business transition strategies?
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 working with people who require these precise types of planning and guidance.
Personal guidance. Practical tips.
Analysis of current trends and bold thinking for people who want to achieve something 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
Practical and Professional Advice
We will build a plan that protects you and your money from market surprises and predatory litigation.