Helping UC Employees Retire Well

Turn Your Benefits Into a Confident Retirement

 We’re here to help University of California employees design a coordinated retirement income plan. We integrate your pension benefits, retirement accounts, and personal savings into a clear, tax-efficient strategy.

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Sacramento Bee

2025

Winner via public voting in 2025. No fee for consideration; licensing fee paid for usage. Learn More.

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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.

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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.

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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.

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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.

Clear answers for complex UC retirements

Turn complex benefits into a clear retirement.

ProsperPlan Wealth helps University of California employees live better by designing pension and retirement plans that maximize lifetime income, minimize taxes, integrate Social Security, and align every decision with the retirement you’ve worked decades to earn.

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By coordinating Social Security claiming decisions with taxes, pensions, and investment income, we help you earn higher lifetime benefits and develop a more predictable retirement income plan.

We bring your UCRP pension, 403(b), 457, DCP, and personal savings together with Social Security to create one clear, tax-efficient retirement strategy. The result is a disciplined plan that supports long-term growth and dependable income, so retirement feels steady, not stressful.

Tax deferral feels great while you’re working, but it can create a big tax problem later. We help UC employees organize their pension and retirement benefits into a strategy that keeps taxes under control and makes legacy planning simpler for your family.

Why does the ProsperPlan team love helping UC employees retire?

Retirement from UC isn’t just paperwork. It’s a major life transition.

It’s choosing when to step away from a career you’ve poured yourself into. It’s figuring out income, taxes, healthcare, and what comes next.

At ProsperPlan, we help UC Davis employees turn complex benefits into a clear retirement income plan so you can move forward with confidence, not guesswork.

We’re UC Davis alumni, and this community helped shape who we are.

Supporting UC employees feels personal. These are the same halls, hospitals, and classrooms that shaped our own careers. This isn’t just work. It’s giving back to a community we care deeply about.

Our advisors have taught CFP® coursework through UC Davis Extension. Education and clarity are part of our DNA.

We love helping UC employees understand their benefits, because retirement feels different when everything finally makes sense.

Many of our favorite clients are UC Davis Medical Center nurses and healthcare professionals.

You spend your careers caring for others. We feel honored to care for your financial future and help you retire feeling prepared, supported, and confident.

We’ve navigated UC benefits ourselves, including UCRP, 403(b), 457, and DCP accounts.

That firsthand experience means we don’t just know the system. We understand what it feels like to make these decisions in real life.

Yes, we understand pensions, COLA adjustments, and contribution strategies.

But retirement is more than math.

It’s timing your income. Planning for taxes. Keeping your healthcare. And designing what comes next after a long career.

We bring it all together into one clear, fiduciary plan so you can move into your next chapter with clarity and peace of mind.

Cristobal Lopez Trejo
Director of Operations | UC Davis Graduate, Class of 2019

A simple step-by-step plan

Our process for University of California retirement.

Our clear and concise three step process will make you feel ready for retirement, really ready.

Step 1: Start With You


We begin with a conversation. You tell us about your career at UC, your financial picture, and what you want life to look like after work. We talk through your goals, concerns, and timeline, along with anything that feels uncertain or overwhelming. This is your space to share what’s working, what’s keeping you up at night, and what you’re hoping retirement can become. No pressure. No jargon. Just real people having a real conversation about your future.

Step 2: Design Your Plan


Next, we turn your UC benefits into a personalized retirement plan built for UC employees. We help you understand your UCRP pension, coordinate your 403(b), 457, and DCP accounts, plan for healthcare and Social Security, and estimate taxes so you know your take-home income in retirement. You’ll start your retirement journey with a clear roadmap showing how everything fits together and exactly what to do next.

Step 3: Adapt as Life Changes


We meet with you regularly to adjust your plan as life evolves, whether that means market changes, family needs, healthcare decisions, career shifts, or new goals. You always have a fiduciary team by your side to help protect what you’ve built, answer questions as they come up, and guide thoughtful decisions so you feel supported, informed, and confident about what comes next.

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Your Questions, Answered

Key UC Retirement Plan FAQs

Common questions on financial clarity and planning.

General FAQs

UC provides excellent administrative resources and education around  pension estimates, election process, plan rules. 

Our specialized retirement planners helps you with the part UC does not do for you:

  • designing retirement income from all accounts together (pension + Social Security + 403(b)/457 + savings)

  • building a tax strategy across decades

  • Roth conversion planning

  • Medicare + IRMAA planning

  • withdrawal sequencing

  • estate/beneficiary coordination

In other words: UC can tell you what benefits you have and we help you decide how to use them intelligently.

Your UCRP tier is largely based on your UC hire date, and your tier impacts things like:

  • when you can retire,

  • how your pension benefit is calculated, and

  • what your pension options look like.

If you are within five years of retirement, it is especially important to get serious about planning. This is when UC employees usually start asking big questions like when to retire, how to choose pension options, and how to create steady income without paying more taxes than necessary.

If you are within one year of retirement, do not wait. There are real deadlines, paperwork, and timing decisions that matter. Starting early helps you avoid stress and gives you more control over your retirement transition.

 
 

UCRAYS (Retirement At Your Service) is UC’s retirement portal where you can:

  • view retirement benefit information,

  • run pension estimates,

  • initiate the retirement process,

  • communicate with retirement administrators.

It’s one of the most important tools UC employees use in the retirement transition because it is where we initiate your pension benefits.  It’s also where other supplemental benefits can be accessed. 

UC provides a built-in pension estimator inside UCRAYS. It can generate estimates and display your service credit. The closer you are to retirement, the more accurate it tends to be. 

We help you use that information to build out a comprehensive retirement plan to estimate total income, provide tax estimations, and help you make other important decisions in advance of retirement. 

Important detail: The pension estimate is based on your Highest Average Plan Compensation (HAPC), which is generally the average of your highest 36 continuous months of covered compensation.

Pricing & Contracts

There is no perfect number.

Most UC employees reach out when they want help coordinating the big retirement decisions like UCRP pension elections, Social Security timing, 403(b) and 457 plans, DCP, rollover options, and most importantly, how to turn all of it into reliable income with a smart tax strategy.

That said, UC employees often benefit most from specialized retirement planning when they have multiple accounts to coordinate and at least $500,000 or more in retirement savings and investments. The bigger reason is not the dollar amount. It is the complexity. When you have a pension plus several retirement accounts, tax strategy matters.

If you are nearing retirement and wondering, “How do I make this work smoothly and avoid unnecessary taxes?” you are probably in the right place.

At ProsperPlan Wealth, we are a fee-only, fiduciary financial advisor. That means we are paid directly by our clients, and we are legally required to put your best interest first, always. No commissions, no product sales, and no hidden incentives. Just clear advice that is built around you.

We typically work with pre-retirees at no cost to help them get in great shape for retirement. 

If they decide to continue working with our team after they retire, our fee is a small percentage of the assets we manage, but it covers much more than investment management alone. We provide holistic financial planning, which means we look at the full picture of your life and your money, not just your portfolio.

That includes retirement planning, tax planning, and estate planning coordination, along with thoughtful guidance for the big decisions that come with building and protecting wealth. The goal is simple: to help you keep more of what you’ve earned, reduce costly mistakes, and feel confident about your plan, both now and for the long-term.

Expertise & Credentials

ProsperPlan Wealth is led by partner-advisors who each bring at least a decade or two of experience helping clients make smart, confident financial decisions. Our team is deeply committed to education and doing things the right way, which is why our advisors are among the most highly trained planners in the Sacramento region.

Each partner-advisor holds the Certified Financial Planner® (CFP®) designation, along with an advanced graduate degree such as an MBA or MSFA. In simple terms, you’re working with advisors who have both real-world experience and the technical expertise to guide complex retirement and wealth decisions with care.

We’re 100% fiduciary, Registered Investment Advisors (RIAs), which means we are legally required to put your best interest first. Every time. No exceptions. But honestly, that’s exactly how we would serve you even if it weren’t the standard. It’s simply who we are.

At ProsperPlan, that means our advice is straightforward and honest. We do not earn commissions. We do not get paid more to recommend certain investments. And we do not have sales goals or quotas. We are here to help you make smart decisions, not to “sell” you something.

Our job is simple. We help you organize your money, reduce costly mistakes, and build a plan that supports the life you actually want to live. We look at the full picture, including retirement income, taxes, investments, and long-term planning, so everything works together.

We take this responsibility seriously, and we go out of our way to make sure you feel cared for, informed, and confident every step of the way.

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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

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

Award-Winning Advisors for the University of California Retirement Plan

Trusted CFP® Experts in UC Plans

We help University of California professionals design coordinated retirement income—from pension elections and Social Security timing to aligning 401(k)s, investments, and other income sources. Our team brings decades of experience helping clients reduce taxes, maximize lifetime income, and retire with confidence.

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