Financial Planning for Retirees and Pre-Retirees
For people planning retirement and those already living it
Whether you are still saving, or already retired, we help you stay confident that the decisions you make today will continue to support your future.
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2025
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Retirement facts that matter.
Feel financially prepared
for retirement.
Are on track to maintain their lifestyle in retirement.
Plan to retire between
ages 60–69.
Expect Social Security as
part of their retirement income.
Have calculated how much
they need to retire.
Sources include Empower Retirement Readiness data, Vanguard Retirement Outlook research, and Federal Reserve household economic wellbeing reports (2024–2025).
Retirement is not one moment. It is a season of life.
We work with people at every stage of this journey. What brings them to us is the same: they want a thoughtful plan, clear guidance, and confidence that the life they have worked so hard to build is supported, protected, and ready for what comes next.
Future Retirees
You want clarity, because
this goal matters.
You are fine tuning your savings, making the most of your benefits, and thinking seriously about Social Security and taxes. We help bring it all together, so your choices support the retirement you want.
Near-Retirees
You’re at the doorway to
your next chapter.
Big decisions are right in front of you. When to retire. How to handle healthcare. How your taxes will change. We help you take each step with clarity and support, so this transition feels steady, not stressful.
Newly Retired
Your lifestyle depends on previous choices made.
Retirement does not run on autopilot. We help you organize income, coordinate benefits, and protect what you have built so your money supports your life, not the other way around.
Mature Retirees
You are in full retirement mode. Let's keep it going.
Markets change. Healthcare changes. Family needs evolve. We provide ongoing guidance, RMD support, tax awareness, and legacy planning so your future stays aligned with your values.
Why Pre-Retirees & Retirees choose ProsperPlan.
Fee-only fiduciary guidance
CFP® led retirement planning
Personalized income strategies
Social Security and Medicare support
Tax-aware withdrawal planning
Coordination with your CPA and estate attorney
A living plan that evolves with your life
A simple, supportive process.
Step 1: Discovery conversation
We start with your goals, your concerns, and what you want retirement to feel like.
Step 2: Personalized roadmap
We design a plan that brings income, investments, taxes, and benefits together.
Step 3: Ongoing planning
As your life, family, and financial situation evolve, we’ll review and update it in support of your financial goals.
Estimate Your Retirement Plan Withdrawals
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
Your Questions, Answered
General FAQs
What does a retirement advisor do?
Retirement advisors create a clear strategy to manage your money and help you achieve your life goals. It brings together key areas like investing, retirement planning, tax planning, and estate planning to build a comprehensive roadmap for your future. With a personalized plan, you can make confident financial decisions and stay on track as your life and priorities evolve.
How do I know if I’m financially ready to retire?
Knowing whether you are ready to retire is about clarity, not age. You may be approaching readiness when you understand how income sources – such as Social Security, pensions, and investments – will replace your paycheck and support your lifestyle long term. True readiness also means planning for healthcare costs, taxes, inflation, and market volatility, with a clear strategy for claiming benefits. Most importantly, your plan should be stress-tested across different scenarios and aligned with your goals.
What is the difference between a retirement advisor and a financial planner?
While there’s a lot of crossover, and the two titles may be used interchangeably, a retirement advisor typically focuses on the transition into retirement and the years that follow, helping clients make decisions about income strategies, including Social Security timing, pension options, and withdrawal planning. A financial planner takes a broader, lifelong approach – coordinating investments, tax planning, retirement savings, estate planning, risk management, and cash-flow decisions across every stage of life.
How often should I review my retirement plan?
At a minimum, your retirement plan should be reviewed annually to ensure it remains aligned with your goals, market conditions, and tax rules. You should also revisit your plan whenever there is a major life or financial change, such as retirement, a job change, marriage, divorce, the sale of a business, or significant market volatility. Regular reviews allow adjustments to income strategies, investment risk, and withdrawal plans, helping ensure your retirement stays on track as your life and priorities evolve.
Pricing & Contracts
How much does retirement planning cost?
We are a fee-only, fiduciary financial advisor, which means we charge a small percentage of the assets we manage, though that fee covers not just investment management, but holistic financial planning, including tax and estate planning, retirement planning, and other comprehensive guidance to secure and enhance your wealth.
We do not typically build one-time financial plans for a flat or hourly fee.
Do you have a minimum asset requirement?
This depends on your goals and overall financial situation. Some people become clients because they know that in the future their financial situation will become more complex via stock options or an inheritance, while others have saved well and are ready to have their money work harder for them right now. Generally, we prefer clients have at least $1 million in investible assets, but there are numerous co-factors and considerations.
Expertise & Credentials
Do your advisors specialize in retirement income and tax strategy?
Yes. ProsperPlan Wealth’s partner-advisors each has at least a decade of advisory experience and are among the most heavily credentialed and highly educated financial planners in the entire Sacramento region. Each holds a combination of the financial sector credentialing gold standard Certified Financial Planner® (CFP) designation with a master’s degree in Business Administration (MBA) or Financial Analysis (MSFA).
What qualifications do ProsperPlan retirement advisors hold?
ProsperPlan Wealth’s partner advisors each bring at least a decade of advisory experience and rank among the most highly credentialed and well-educated financial planners in the Sacramento region. Every advisor holds the industry’s gold-standard Certified Financial Planner® (CFP®) designation, along with an advanced graduate degree in Business Administration (MBA) or Financial Analysis (MSFA).
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News from the ProsperPlan world of financial planning, investing, client relationships, and current events.
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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
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