Maximize Your Sutter Health Pension
Financial Guidance That Makes It Easy
Sutter Health employee pension plans and retirement benefits can be difficult to navigate. Our advisory team provides clear, step-by-step guidance that helps you build a confident financial plan for the years ahead.
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ProsperPlan Wealth is a fee-only fiduciary advisory team.
Holistic Guidance for Your Sutter Pension and Retirement Plan
Helping heroes retire with confidence.
The partner-advisors at ProsperPlan Wealth have spent decades helping healthcare professionals retire with confidence while making complex financial decisions. We know your unique compensation packages and will help you integrate and invest your pension and savings into a clear, fiduciary-driven strategy for long-term security.
Helping Sutter Professionals Enjoy Great Retirements
Pension options and Social Security timing, to coordinating 401(k)s and other investments and income sources. We have decades of experience helping Sutter professionals maximize lifetime income, reduce taxes, and integrate their benefits into great, stress-free retirements.
Financial Planning in Sacramento
Why health professionals choose ProsperPlan.
Our 100% fiduciary partner-advisors will guide you with:
- Pension analysis and retirement income planning
- Coordination of Kaiser benefits with Social Security claiming strategies
- 401(k), 403(b), and supplemental savings optimization
- Tax-efficient investment and withdrawal strategies
- Stock compensation and deferred compensation guidance, when applicable
- Insurance and risk management review
- Estate and legacy planning coordination
- Ongoing fiduciary financial planning and plan adjustments over time
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 approach to your best retirement.
Our clear and concise three step planning process is designed to give Sutter Health professionals the retirement they deserve for their years of care and service to others.
Step 1: Pension Benefits Review
We’ll meet for a deep dive into what your current financial situation is, and then discuss what your short- and long-term investment and financial goals are.
Step 2: Personalized Retirement Strategy
Next, we'll create a comprehensive, personalized financial plan that is designed to protect and grow your money from today through retirement.
Step 3: Adapt as Life Changes
Because your plan is a living, breathing instrument, we’ll regularly meet for reviews and plan updates that account for changes in your life and your financial situation.
My Retirements Savings
Key FAQs About Sutter Health Pension and Retirement Plans
Essential questions about financial clarity and planning.
General FAQs
How long do you have to work to get a Sutter pension?
For many Sutter employees, pension benefits typically vest after five years of service, meaning you must work at least five years to earn a non-forfeitable right to a future pension benefit. However, the exact vesting schedule and benefit formula can vary by union agreement, job classification, and hire date, so it’s important to review your specific Kaiser retirement plan documents or confirm details as part of a personalized retirement plan.
What is the benefit plan of a pension?
A Sutter pension benefit plan is a defined benefit retirement plan that provides eligible employees with a predictable, lifetime monthly income in retirement. The benefit is calculated using a formula that typically considers years of service, compensation, and plan provisions tied to your role or union agreement, rather than investment market performance, helping create stable retirement income when integrated with Social Security and personal savings.
Pricing & Contracts
How much money should I have to work with a Sutter pension advisor?
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 a pension offering, while others have saved well and are ready to have their money work harder for them right now.
How does ProsperPlan charge for Sutter pension planning services?
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
Expertise & Credentials
What are the benefits of choosing ProsperPlan for Sutter pension planning?
Choosing ProsperPlan for Sutter pension planning means working with a 100% fiduciary team that understands how Sutter’s benefits fit into a complete retirement strategy. We integrate your pension with Social Security, retirement accounts, tax planning, and investments to help maximize lifetime income, reduce taxes, and simplify complex decisions, all so you can retire with greater confidence, clarity, and long-term security.
What qualifications do ProsperPlan's Sutter pension advisors hold?
How is a fiduciary pension advisor different from others?
A Sutter benefit retirement plan expert from ProsperPlan is a 100% fiduciary pension advisor who is legally and ethically required to act in your best interest at all times, providing objective guidance free from commissions or product incentives. Unlike other advisors who may focus narrowly on investments or operate under a suitability standard, a fiduciary integrates pension decisions with taxes, Social Security, and retirement income planning to support better long-term outcomes.
Does ProsperPlan specialize in Sutter Permanente retirement transitions?
Yes. With decades of combined experience partnering with the doctors, nurses, and technicians of Sutter, ProsperPlan specializes in guiding Sutter employees through retirement transitions by coordinating pension benefits, Social Security, retirement accounts, and tax planning into a clear, fiduciary-driven strategy designed to support long-term income and confidence in retirement.
Your Resource Hub for Sutter Health Retirement Planning
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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