Professional Investment Management
Portfolios that Grow Your Wealth
We design investment strategies with flexibility, care, and purpose. Our fee-only fiduciary model keeps your plan focused on your goals, helping your money support the life you want.
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
Highly Rated Advisor
Wealthtender
2025
TOP FEMALE ADVISORS
InvestmentNews
2025
Women Who Mean Business
Sacramento Business Journal
2025
ProsperPlan Wealth is a fee-only independent advisory firm.
Fiduciary Financial Investment Management
Investing should not feel confusing, stressful, or reactive.
You shouldn’t have to second-guess your decisions, worry about every headline, or feel rushed when markets move.
Your money should feel organized, intentional, and aligned with the life you want.
Our investment management team is here for people who want to delegate that responsibility and feel confident their wealth is being thoughtfully and professionally managed.
Fee-only fiduciary investment management
What makes ProsperPlan Purposefully Better?
There are thousands of advisors who manage portfolios. What most people want is something deeper: clarity, leadership, and a strategy that makes sense.
Here is what you can expect with ProsperPlan:
- Fee-only, fiduciary advice
- A clear investment strategy grounded in discipline
- Risk management built into portfolio design
- Tax-aware investing coordinated with your financial plan
- A thoughtful blend of long-term investing and selective opportunities
- Ongoing monitoring, rebalancing, and real communication
Fee-Only. Fiduciary. On Your Side.
ProsperPlan Wealth is a fee-only fiduciary advisory firm. That means we are legally required to act in your best interest and we don’t earn commissions or sell products. Our advice is always aligned with you.
We are partner advisors with NewEdge Advisors, an SEC-registered RIA platform recognized among Barron’s #3 of the Top 100 RIAs. This gives you institutional-level investment management alongside the personal, relationship-first care ProsperPlan is known for.
If you’re comparing advisors, start with two words: fee-only and fiduciary. They matter.
Investment Advisory Services
Our Investment Strategy
We invest with a long-term plan, not short-term predictions.
Markets will always be noisy. But your future should not depend on guessing what happens next. We build portfolios designed to hold up across full market cycles, not just when things are going well.
We love growth-oriented investors.
Many of our clients are builders. They have worked hard for what they have. They want their money working hard on their behalf.
We invest for long-term growth, with a disciplined strategy designed to help you stay invested and stay confident through volatility.
We prioritize risk management, not just returns.
Most people focus on performance when markets are up. We focus on protection when markets are down. Our strategies are designed to reduce unnecessary risk so your plan stays strong through volatility.
We diversify with purpose.
We combine a strong core with selective themes.
Most of your portfolio is built on a long-term, diversified foundation. But we also use thematic and sector-based funds when it makes sense.
Themes can evolve as the economy changes, opportunities emerge, and market leadership shifts. This is a purposeful sleeve within the strategy, sized intentionally and reviewed regularly.
We rebalance and manage exposure with discipline.
A strong portfolio is not set it and forget it. We provide ongoing monitoring and disciplined rebalancing to help keep risk aligned and prevent the portfolio from drifting into unintended exposure.
We believe in smart, tax-aware investing.
Investment returns are only part of the story. What you keep after taxes matters. We coordinate investing with tax planning, including Roth conversions, withdrawal strategy, and where assets are held, so you can improve your long-term outcome.
We invest based on your life, not generic models.
Your portfolio should match your goals, timeline, income needs, and comfort level. Not someone else’s. We design strategies that fit the lifestyle you want, and we adjust as life evolves.
We stay disciplined when emotions run high.
Investing is emotional, especially when you have built meaningful wealth. We help you avoid fear-based decisions and stay focused on what works over time: consistency, discipline, and a clear plan.
Personal Investment Services
Thoughtful investing for a better life.
Your strategy is designed around your goals, your timeline, and comfort level.
Here is how ProsperPlan helps you invest your money:
Portfolio Design & Implement
We build a portfolio strategy based on your goals, timeline, and long-term plan, then implement it with care and precision.
Portfolio Monitoring
Markets change. Your life changes. We continuously evaluate your portfolio to ensure it remains aligned with your strategy and risk profile.
Rebalancing and Risk Controls
We rebalance intentionally and manage risk exposure so your portfolio does not quietly drift into something you never agreed to.
Thematic and Sector Allocation
We may use targeted themes as part of the portfolio when they support the strategy and the market environment. This is never random, and it is always intentional.
Tax-Aware Strategies
We coordinate investment strategy with tax planning, so you are not giving away more than you need to over time.
Portfolios Built With Purpose
Your investment strategy should support retirement planning, cash flow, withdrawal strategy, legacy goals, and major life transitions.
Investment Management FAQs
Your Questions, Answered
Key questions about investment management planning.
Essential FAQs
What is investment management?
Investment management is the professional care of your portfolio, designed to help your money grow while managing risk along the way. It includes building a strategy, selecting investments, rebalancing as markets move, and adjusting your plan as your life changes. But the real value isn’t just choosing funds. It’s helping you stay disciplined during market swings, avoid emotional decisions, and make smarter choices over time.
At ProsperPlan Wealth, investment management is part of a bigger picture. We connect your investments with tax planning, retirement income, cash flow, and long-term goals so everything works together. That means investing in the right accounts, managing taxes, planning for income, and adapting as life evolves, all guided by a fiduciary team focused on your clarity, confidence, and peace of mind.
Why does appropriate investment management become more important at retirement?
Retirement shifts your focus from growing wealth to living on it. Every withdrawal matters, and selling the wrong investments at the wrong time can create unnecessary taxes or reduce future income. You’re no longer just managing a portfolio. You’re coordinating which accounts to draw from, how capital gains affect taxes, and how withdrawals impact Social Security and Medicare premiums.
At ProsperPlan, we integrate investment management with tax planning and retirement income strategy. We help sequence withdrawals across brokerage, IRA, and Roth accounts, manage required minimum distributions, and plan around Medicare income thresholds. The goal is to reduce taxes, support steady income, and help your money last, so retirement feels confident and intentional.
What is the difference between long-term investing and cash flow management?
In personal finance, long-term investment decisions focus on growing your wealth over time through assets like retirement accounts, brokerage portfolios, real estate, or business investments. These choices are designed to support future goals such as retirement income, legacy planning, and financial independence, and they require thoughtful risk management and a long-term strategy.
Cash flow management focuses on your everyday financial life. It ensures you have enough accessible money to cover monthly expenses, emergencies, and near-term goals without needing to sell investments at the wrong time. At ProsperPlan, we connect both by building investment strategies that grow your wealth while maintaining healthy cash reserves, so your future plans stay on track and your present life feels supported.
Do professional investment managers provide additional growth?
Research suggests that the value of professional investment management goes beyond simply picking investments. Vanguard’s well-known “Advisor’s Alpha” study shows that working with a financial advisor can add meaningful value over time, not primarily through market timing or stock selection, but through disciplined portfolio management, behavioral coaching, tax-efficient strategies, and ongoing rebalancing. Vanguard estimates this added value can be worth about 3% per year on average, depending on how much of the framework is implemented.
At ProsperPlan, this aligns closely with how we serve clients. We focus on staying invested during market volatility, placing investments in the right accounts for tax efficiency, managing risk, and adjusting your strategy as life evolves. While no advisor can guarantee performance, professional guidance often helps investors avoid costly mistakes and build more resilient, coordinated portfolios designed to support long-term growth and peace of mind.
What is the difference between an investment advisor and an investment manager?
An investment advisor helps guide your overall financial picture by providing planning, advice, and recommendations around your goals, cash flow, and investments. An investment manager focuses more directly on building and managing portfolios, making day-to-day investment decisions, and adjusting strategies as markets and life change.
At ProsperPlan, we do both. We’re also a manager of investment managers, which means we offer thoughtfully designed portfolios for different planning needs. Whether you’re looking for a simple ETF strategy, help diversifying a large single-stock position, or tax-efficient investing in a brokerage account using individual stocks, we have solutions designed to meet you where you are.
Our CFP® professionals combine personalized financial planning with professionally managed portfolios, all delivered through a fiduciary, relationship-first approach so your strategy stays aligned with your life.
How does a financial professional determine the best investment approach?
Our financial professionals look beyond what to invest in and focuses on where investments should live. Different account types are taxed differently, so the same investment can have very different outcomes in a brokerage account, IRA, Roth IRA, or employer plan. Tax-efficient investments like ETFs or individual stocks often work well in taxable accounts, while income-producing assets such as bonds are typically better suited for tax-deferred retirement accounts. Roth accounts are usually reserved for higher-growth investments, since future gains can be withdrawn tax-free.
At ProsperPlan, we combine asset allocation with asset location, intentionally placing investments across accounts to help reduce taxes, support retirement income, and improve long-term results. We also factor in cash flow needs, risk comfort, time horizon, and goals, whether that means diversifying a concentrated stock position or building reliable income. The result is a coordinated strategy that helps your money work smarter together and stay aligned with your life.
What are your primary investment models?
Our GuidePath Models are ProsperPlan’s way of helping your money grow while staying aligned with your real life. We start with a diversified core portfolio designed for long-term growth and stability. This creates a steady foundation that supports your future goals.
From there, we layer in flexible strategies that we adjust over time. These may include individual stocks, tax-smart investing, or targeted allocations designed to manage risk, create tax savings, or help with things like a large stock position or upcoming retirement income. This flexibility allows your portfolio to adapt as markets change and as your life evolves.
In plain English: the GuidePath Models combine steady growth with thoughtful customization. Your investments stay disciplined, but never rigid. Everything works together to support your goals today while protecting what you’re building for tomorrow.
Pricing & Contracts
How much money should I have to work with an investment manager?
There’s no universal minimum, but many people choose to work with an investment manager once their finances become more complex or when they’re approaching retirement, changing careers, or navigating a major life transition. At ProsperPlan, most of our clients come to us with at least $1,000,000 in investable assets, often after years of saving through employer plans, brokerage accounts, acquiring pensions, or business ownership.
What matters most isn’t just the number. It’s whether you want professional guidance, tax-aware investing, and a coordinated strategy for retirement income and long-term planning. If you’re looking for help organizing your investments, managing taxes, and creating a clear path forward, a complimentary consultation can help determine whether our services are the right fit for your goals.
How does ProsperPlan charge for its investment management services?
ProsperPlan Wealth is a fee-only fiduciary advisory firm. That means we are paid directly by our clients and never earn commissions or sell financial products. Our fee is a small percentage of the assets we manage on your behalf, and it is deducted directly from your managed accounts. This keeps our pricing simple, transparent, and aligned with your success.
Because we’re fee-only, our advice is always objective. Our fee supports your dedicated financial planning team, ongoing investment management, tax-aware strategies, and retirement income guidance. Simply put, we succeed when you do, and everything we do is focused on helping you grow, protect, and thoughtfully use your wealth.
Expertise & Credentials
What qualifications do ProsperPlan’s investment advisors hold?
Our advisors hold advanced credentials including CFP® (Certified Financial Planner™), CRPC®, MBA, and master’s-level financial planning education. Together, our team brings more than 20 years of experience helping professionals and retirees make thoughtful financial decisions through every stage of life.
Just as important, we’ve guided clients through real market cycles, including the 2008 financial crisis and every bear market since. Our professionals focus on portfolio construction, investment research, and risk management, helping design and monitor our models. We understand how forward-looking returns often improve after periods of volatility, and we actively rebalance portfolios to support long-term success, even when markets feel uncomfortable.
Why does experience matter when choosing a financial advisor?
Experience builds pattern recognition and problem-solving skills that only come with time. Advisors who have spent many years working with real families and real finances learn to spot trends, anticipate challenges, and recognize opportunities before they become obvious. They’ve seen how different strategies play out across changing markets, tax environments, and life stages, which helps them guide clients through decisions with greater confidence and clarity.
At ProsperPlan, we focus on building a tenured advisory team because experienced advisors bring practical insight, steady judgment, and thoughtful solutions to complex situations. For our clients, that means fewer surprises, smarter planning, and a trusted fiduciary partnership with professionals who know how to connect the dots and help your wealth support the life you want.
Why is working with an independent financial advisor important?
Working with an independent financial advisor gives you access to objective guidance and a wider range of planning and investment options. Because independent advisors aren’t tied to a single company’s products, they have the flexibility to design strategies based on what fits your goals, your tax situation, and your life, not a preset menu of solutions.
At ProsperPlan, our independence allows us to create personalized plans, select from institutional-quality investment managers, and integrate your portfolio with tax planning and retirement income strategy. Combined with our fee-only fiduciary approach, this means your advice stays focused on you. For clients, that translates into clarity, flexibility, and a trusted partnership built around helping your wealth support the life you want.
Empower Your Financial Future
Carefully selected for our ProsperPlan clients, the insights, professional analysis, and thoughtful perspectives shared here are designed to support people who care about making smart financial decisions and building a meaningful life.
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
Hear from Lauren and Chris
Stop By To See Us
Explore our locations throughout the country 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
Wealth Enhancing Investment Planning Services
Here To Serve You
Our partner-advisors are driven by one goal: helping turn your investment goals into reality.