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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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

Barron’s rankings awarded to NewEdge Capital Group in September 2025 based on prior 12 month data. ProsperPlan Wealth is not an affiliated entity. Learn More.

Highly Rated Advisor

Wealthtender

2025

Awarded in 2025 based on client reviews in 2025. Criteria: 4.75/5.0 avg rating. No fee for consideration; licensing fee paid for usage. Learn More.

 TOP FEMALE ADVISORS

InvestmentNews

2025

Winner via AUM data (Jan–Dec 2024). Eligibility: $100M+ AUM & verified compliance record. No fee for consideration; licensing fee paid for usage. Learn More.

Women Who Mean Business

Sacramento Business Journal

2025

Selected via independent editorial review of professional/community impact in 2025. No fee for consideration; no licensing fee paid for usage. Learn More. 

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.

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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.

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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 Sutter Health 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

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.

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.

Healthcare benefits are valuable, but timing matters. We help you understand your options and choose the path that improves your long-term outcome.

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.

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.

Three clear steps from pension analysis to retirement

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.

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Your Questions, Answered

Key FAQs About Sutter Health Pension and Retirement Plans

Essential questions about financial clarity and planning.

General FAQs

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 retirement plan documents or confirm details as part of a personalized retirement plan.

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

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.

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

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.

ProsperPlan Wealth’s partner-advisors each bring at least a decade of lead advisory experience and hold advanced credentials in financial planning. Each advisor maintains the Certified Financial Planner® (CFP®) designation and a master’s degree in Business Administration (MBA) or Financial Analysis (MSFA).

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.

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.

ProsperPlan Resources and Insights

Your Resource Hub for Sutter Health Retirement Planning

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What Clients Say About Us

We have been with Lauren and her team for 10 years. Lauren has helped guide us in our FIRE/financial planning that allowed us to retire in our early 50’s from Kaiser Permanente. She went above and beyond by managing our KP index funds while we were still employed and assisted us in transferring our assets to Prosper Plan after we retired. This enabled us to diversify and maximize our gains. Lauren has also been instrumental in helping with our relocation planning now that we’re retired. We have given Lauren’s contact information to so many of our friends because we trust her with our financial lives.

Jeff & Liz
Retired from Kaiser Permanente

I have had the pleasure of working with Lauren Williams for many years, and her expertise and dedication have been invaluable to both my financial well-being and the management of my mother’s trust. From the beginning, Lauren has provided insightful, tailored advice with a deep knowledge of the financial markets, explaining complex concepts in a way that provides immense confidence. She managed my mother’s trust with the same level of commitment, attentiveness, and compassion, ensuring the family’s needs and my mother’s wishes were respected as she gets older. I highly recommend Lauren as a knowledgeable, trustworthy, and dedicated financial advisor who serves as an exceptional partner in managing investments and trusts.

Byron Walker
AT&T

I recently worked with Chris Grellas to review and optimize my 401k, and I couldn’t be more impressed with his professional and personalized service. From the start, he was incredibly informative and accessible, taking the time to thoroughly break down complex investment strategies and tailor advice to my specific financial goals and risk tolerance. Chris was patient and detail-oriented, ensuring I never felt rushed or overwhelmed and that I had a clear understanding of every decision before moving forward. Thanks to his expert guidance, I now feel much more confident about my retirement planning and the future of my 401k, and I highly recommend him to anyone seeking comprehensive financial advice.

Miro Gritsan
Alessandro Electric Inc.

ProsperPlan has been the perfect fit for my financial and investment needs.

Lauren and her team asked questions about my financials goals and welcomed my questions about their company. Their passion for helping their clients achieve financial security is obvious. Very professional, but personal, as well. A great mix, and as a result, I feel more secure about reaching my financial goals.

Lee Auger
Retired from Occidental Petroleum

Lauren is incredibly knowledgeable, approachable, and genuinely cares about helping her clients succeed. She’s made the process of starting my personal finance journey feel clear and achievable, and I’m so grateful for her guidance. I can see why my family trusts her—she truly goes above and beyond for the people she works with.

Annika M.
Accenture

Chris is kind, patient, and always available when I have questions. He brings a calm, thoughtful presence to every conversation and offers sound financial advice grounded in Biblical wisdom. His approach is caring, clear, and values-driven—I’m truly grateful to have him as my advisor.

Ivan Palenyy
State of CA and Kaiser Permanente

I was referred to Lauren as their best Kaiser retirement person and she didn’t disappoint. She presented me all my options in a no pressure manner. I made my decision and she made the transactions with ease.

She continues to communicate with strategies and adjustments. When my coworkers found out about how easy it was and how much my portfolio has increased. I am frequently asked for her number and happily provide the referral.

James Nelson
Retired from Kaiser Permanente

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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office locations

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