Retirement planning for kaiser permanente
Plan your retirement with confidence
Your Kaiser Permanente employee pension plan and retirement process can be complex and difficult to navigate. Our experienced advisory team provides clear, step-by-step guidance that helps you fully understand your benefits and complete your retirement process with ease.
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ProsperPlan Wealth is a fee-only fiduciary advisory team.
Trusted Financial Planning in Sacramento
Why more Kaiser Permanente employees are choosing to retire with ProsperPlan.
At ProsperPlan Wealth, we understand that retiring from Kaiser Permanente is different.
You are not just leaving a job. You are transitioning out of an integrated system that includes a defined benefit pension, a 401(k), healthcare benefits, and years of dedicated service. It can feel like a lot to coordinate, especially when every decision affects your long-term security.
That’s where we come in.
We specialize in helping Kaiser Permanente employees turn complex benefits into clear retirement income plans. Our role is to help you connect all the pieces so you can move forward feeling organized, supported, and confident about what comes next.
Here’s why more KP employees trust ProsperPlan:
Financial Advice That Helps You Thrive
Retirement from Kaiser Permanente is about more than paperwork. It’s about turning years of service into a retirement you truly enjoy.
We help you move from saving to spending with clarity and confidence. Your pension, Social Security, 401(k), brokerage savings, healthcare costs, and taxes are thoughtfully coordinated into one clear income plan so you can step into your next chapter feeling supported, organized, and confident.
Rooted in the Kaiser Permanente Community
Many of our clients have spent their careers caring for others. Now it’s your turn to be cared for.
We work closely with Kaiser nurses, physicians, administrators, and technical professionals every day. Supporting Kaiser employees through retirement is a core focus of our practice, not a side offering.
We are also Kaiser Permanente members ourselves, so we understand the system from the inside. That shared experience allows us to guide you with insight, empathy, and practical knowledge when you’re making decisions that shape the rest of your life.
Education That Builds Confidence
We walk you through the entire retirement process.
Kaiser benefits are powerful, but they are layered and detailed.
We help you navigate:
Pension elections and survivor options
Coordinating Social Security with your KP pension
401(k) rollover and retirement plan strategies
Brokerage account income planning
Medicare timing and income thresholds
Tax-smart withdrawal strategies
We take the time to explain your options clearly, answer questions patiently, and help you understand how each decision fits into your bigger picture. No jargon. No pressure. Just thoughtful guidance, every step of the way.
You Only Retire Once. We Do This Everyday
Retirement is a major life transition. For most people, it happens once. For us, it’s what we help Kaiser Permanente employees navigate every day.
More importantly, it means you don’t have to figure this out on your own.
We bring structure to the process, clarity to your options, and calm to what can otherwise feel overwhelming. From your final years at Kaiser to your first years in retirement, you have a fiduciary team by your side, helping turn complex benefits into a clear plan and supporting you every step of the way.
One Dedicated Team. One Clear Point of Contact.
Between Fidelity, NationalHR, MyPlansConnect, and Vanguard, your retirement can quickly turn into a maze of 800 numbers and online portals.
With ProsperPlan, you have one dedicated fiduciary team that puts you first.
We help coordinate conversations, organize paperwork, and guide you through each step so you don’t have to bounce between departments or repeat your story. Instead of managing everything on your own, you have a single point of contact who understands your full picture and helps keep your retirement moving forward smoothly.
Holistic Support For Kaiser Permanente Pension Plans
Ready to start your KP retirement roadmap?
Schedule a complimentary consultation and discover what retirement can look like with clarity, income confidence, and a trusted fiduciary team by your side.
Three clear steps to go from retirement income planning to happily retired.
Our clear and concise three step planning process can help you get to where you want to be.
Step 1: Specialized Planning
We’ll meet for a deep dive into what your current financial situation to gather information about your CNA, KPEPP, and TPMG pensions, Vanguard and Fidelity 401ks, and learn about your current spending patterns.
Step 2: Design Your Strategy
Next, we'll create a comprehensive, personalized Kaiser Permanente Retirement Roadmap that is designed to help you comfortably navigate your retirement process.
Step 3: Retirement Kick-Off
Because your retirement process is significantly more complex than other professionals, our specialists will assist you every step of the way. From helping enter your notice, to claiming pension benefits and starting your retiree health plan.
My Retirements Savings
Key FAQs about your Kaiser Permanente retirement plan
Essential questions about financial clarity and planning.
General FAQs
How long do you have to work to get a Kaiser pension?
Vesting for Kaiser Permanente employees simply means earning the right to receive a retirement benefit. You are fully vested if you have at least five years of service, or if you are age 65 or older and still working at Kaiser Permanente. Once you are vested, you have earned a benefit that can be paid to you at age 65, or possibly earlier if you qualify for early retirement based on your age and years of service. If you leave KP before meeting one of these requirements, you are not vested and would not be eligible for a retirement benefit from the plan.
It’s also important to know that vesting rules and benefit amounts can vary depending on your hire date, job role, and union agreement. Because these details matter, reviewing your specific KP retirement plan or confirming them as part of a personalized retirement plan can help you understand exactly what you’ve earned and how it fits into your overall retirement picture.
Should I take a lump sum or a monthly pension payment?
This is an important decision, and it’s one that’s unique to Kaiser Permanente employees. The KP pension plans do not work the same as most traditional pension plans. Instead of just a few choices, many employees are presented with more than 20 payout options, which can feel overwhelming at first.
Some options – like the 50% survivor option – reduce the survivor’s monthly benefit for both you and your beneficiary, not just one person. Because each option changes the payment amount, survivor benefits, and long-term income differently, there is no single “right” answer. Our financial advisors help Kaiser employees plug each option into a retirement model so you can clearly see how a lump sum or monthly payment affects your income, taxes, and long-term security – making it easier to choose the option that best fits your life and your goals.
Pricing & Contracts
How much money should I have to work with a KP Retirement Specialist?
We proudly work with Kaiser Permanente employees at any level of assets while they are still actively employed and contributing to their retirement and savings plans. We recommend that you begin working with one of our KP retirement specialists within five years of your retirement goal.
During this stage of your career, our goal is twofold: to help you grow your wealth and to help you grow your understanding of how your benefits, savings, and investment choices work together. Many KP employees have access to excellent benefits, but those benefits can be complex, and small decisions made early can have a meaningful impact on long-term outcomes.
How does ProsperPlan charge for pension, income, and tax planning services while I am still employed?
We offer our services at no cost to working Kaiser Permanente employees. Our goal is to help you understand how your Kaiser benefits fit into your broader retirement picture so you can make informed planning decisions.
Our advisors have spent many years working specifically with Kaiser Permanente retirement plans, which allows us to explain your options clearly and help you avoid common mistakes. This focus is the reason our company exists – to help KP employees make thoughtful decisions today and support long-term retirement planning goals.
Experience & Credentials
What are the benefits of choosing ProsperPlan for Kaiser pension planning?
Choosing ProsperPlan means working with people who genuinely understand the Kaiser Permanente retirement benefits and what it’s like to face all those decisions at once. We’ve walked alongside many Kaiser Permanente employees through this process, so we know where things feel confusing, stressful, or overwhelming.
We help you slow things down, run the numbers together, and talk through what each pension option actually means for your life, your family, and your future. Our goal is simple: to help you feel confident in your choices and comfortable stepping into retirement, knowing you made decisions that truly fit your life.
What makes ProsperPlan’s Kaiser Permanente retirement specialists qualified to help me?
ProsperPlan Wealth’s partner-advisors each bring at least a decade of hands-on experience working directly with clients and have deep familiarity with the Kaiser Permanente retirement and benefits system. We are locally based and intentionally located near KP’s largest campuses in Sacramento, Roseville, and Rancho Cordova, making it easy for employees to meet with advisors who understand their plans and their community.
Our advisors are among the most highly educated financial planners in the Sacramento region. Each holds the Certified Financial Planner® Professional designation (CFP®) – the gold standard in financial planning – along with advanced graduate degrees such as a Master of Business Administration in Financial Planning (MBA) or Master of Science in Financial Analysis (MSFA). This combination of real-world experience, advanced education, and Kaiser-specific knowledge allows us to provide clear, thoughtful guidance through even the most complex retirement decisions.
Why does working with a fiduciary matter when making pension decisions?
Working with a fiduciary means your advisor is legally and ethically required to act in your best interest – not their own. There are no commissions, sales targets, or products to push. The advice you receive is focused only on helping you make the best decision for your life, your family, and your retirement.
When it comes to Kaiser pension decisions, this matters because the choices you make are often permanent. A fiduciary advisor takes the time to explain your options clearly, model the outcomes, and help you understand the trade-offs – without pressure. The goal isn’t to “sell” you anything, but to help you feel confident that the decision you’re making truly fits you.
Does ProsperPlan specialize in Kaiser Permanente retirement transitions?
When our founder, Lauren Williams, began working closely with Kaiser Permanente employees, it was during a major transition. Retirement support was shifting away from an internal, on-campus model, and the long-tenured benefits specialists who had spent years walking the campuses and personally guiding employees through retirement were being phased out.
This change created a real gap for employees – many of whom were already navigating complex and emotional decisions. As those specialists stepped away, they wanted to ensure employees continued to receive the same thoughtful, one-on-one guidance. They introduced employees to Lauren and encouraged her to carry that level of care forward. That moment shaped ProsperPlan’s mission and focus. Today, much of our work comes through referrals within the Kaiser Permanente community, and we remain committed to being a trusted local resource for employees who are feeling burned out, facing complicated pension decisions, or preparing for a meaningful transition into retirement.
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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
Kaiser Permanente Retirement Specialists
Our team brings decades of experience helping KP healthcare professionals increase lifetime income, reduce taxes, maintain healthcare benefits, and turn complex decisions into clear, stress-free retirement plans.