For individuals and families navigating the complexities of retirement, investment management, and estate planning, finding a trusted financial partner is essential. ProsperPlan Wealth, an independent fee-only fiduciary firm based in Sacramento, has emerged as a standout choice for those seeking comprehensive, client-centered financial guidance. Co-founded by Lauren M. Williams, CFP®, CRPC®, MBA, and Chris Grellas, CFP®, MSFA, the firm has garnered significant recognition, including being voted both Favorite Financial Planner and Favorite Wealth Manager in The Sacramento Bee’s 2026 Sacramento Favorites competition.
ProsperPlan Wealth distinguishes itself through a holistic approach that integrates pensions, taxes, estate documents, and savings into a single, clear plan. This methodology ensures clients understand their current financial standing, what steps to take next, and who to contact for support. The firm’s commitment to education and transparency is evident in its team of advisors, all of whom hold the CFP® designation and advanced degrees in finance. With a focus on retirees, healthcare professionals, and families, ProsperPlan Wealth offers a suite of services designed to turn years of hard work into lasting wealth and peace of mind.
What is ProsperPlan Wealth?
ProsperPlan Wealth is a fee-only fiduciary financial planning firm with offices in Gold River and Roseville, California. The firm provides personalized financial planning, retirement planning, investment management, tax planning, and estate planning services. Unlike commission-based advisors, ProsperPlan Wealth operates under a fiduciary standard, meaning they are legally obligated to act in their clients’ best interests, a structure that aligns their incentives with those of the people they serve.
The firm’s leadership team includes co-founders Lauren M. Williams and Chris Grellas, along with directors overseeing client service, new client experience, operations, and financial education. This depth of expertise allows ProsperPlan Wealth to address a wide range of financial concerns, from retirement readiness to tax efficiency and estate preservation. The firm’s recent launch of the Kaiser Permanente Retirement University (KPRU) further underscores its dedication to financial literacy, offering a free, plain-language curriculum for Kaiser Permanente employees and their families.
What Stands Out
Fee-Only Fiduciary Commitment
ProsperPlan Wealth’s fee-only structure eliminates potential conflicts of interest that can arise with commission-based compensation. Clients receive advice that is solely in their best interest, fostering trust and long-term relationships. This model is particularly valuable for those seeking unbiased guidance on complex financial decisions.
Comprehensive, Holistic Planning
The firm integrates all aspects of a client’s financial life—pensions, taxes, estate documents, and savings—into one cohesive plan. This approach ensures no area is overlooked, providing a complete picture of financial health and a clear path forward.
Award-Winning Recognition
ProsperPlan Wealth’s dual gold wins in The Sacramento Bee’s Sacramento Favorites competition highlight its reputation within the community. Additionally, co-founder Chris Grellas was named to the Sacramento Business Journal’s 40 Under 40, and Lauren M. Williams was recognized as one of the Top Female Advisors in America by InvestmentNews.
Educational Focus
The firm prioritizes financial education, as demonstrated by the Kaiser Permanente Retirement University. This free resource helps employees understand retirement plan mechanics, from pension qualification to proper paperwork filing, empowering them to make informed decisions.
Experienced, Credentialed Team
Every partner advisor holds the CFP® designation, and many have earned advanced degrees such as an MBA or MSFA. This high level of expertise ensures clients receive knowledgeable guidance backed by rigorous training and ongoing professional development.
Who It’s For
ProsperPlan Wealth is ideally suited for retirees, healthcare professionals, families, and business owners in the Sacramento region who are seeking comprehensive, fiduciary financial planning. Clients often have significant assets—the firm notes that the majority of its clients retire with $1,000,000 or more—and require a trusted partner to manage complex financial landscapes. The firm’s educational resources also make it a strong choice for Kaiser Permanente employees and others looking to enhance their financial literacy.
Mid-career professionals planning for retirement, as well as those navigating life transitions such as inheritance or career changes, will find value in ProsperPlan Wealth’s tailored approach. The firm’s focus on tax strategy and estate planning further appeals to individuals with multifaceted financial needs who want a single, reliable advisor.
Pricing and Availability
ProsperPlan Wealth operates on a fee-only basis, with fees typically calculated as a percentage of assets under management (AUM). Specific pricing details are not publicly listed, as costs are customized based on the complexity of each client’s financial situation and the services required. Prospective clients are encouraged to schedule an initial consultation to discuss their needs and receive a transparent fee structure.
The firm is accessible through its offices in Gold River and Roseville, California, with appointments available in person or virtually. Those interested can visit the ProsperPlan Wealth website to learn more and book a meeting.
What Makes It Worth Considering
ProsperPlan Wealth’s consistent recognition by both the public and industry peers speaks to its quality of service. The firm’s fee-only fiduciary model provides peace of mind, while its holistic planning approach ensures clients’ financial lives are managed cohesively. The team’s advanced credentials and commitment to education further enhance the value proposition, making the firm a reliable partner for long-term financial success.
Additionally, the firm’s community involvement and educational initiatives, such as the Kaiser Permanente Retirement University, demonstrate a genuine commitment to improving financial well-being beyond just managing assets. This combination of expertise, transparency, and client focus positions ProsperPlan Wealth as a top choice for those seeking a dedicated financial advisor in the Sacramento area.
Verdict
ProsperPlan Wealth delivers comprehensive, fiduciary-led financial planning with a client-first approach, earning trust and top awards in Sacramento.
Frequently asked questions
They offer financial planning, retirement planning, investment management, tax planning, and estate planning.
Yes, they are a fee-only fiduciary, meaning they are legally obligated to act in their clients' best interests.
The firm was co-founded by Lauren M. Williams, CFPu00ae, CRPCu00ae, MBA, and Chris Grellas, CFPu00ae, MSFA.
They were voted Favorite Financial Planner and Favorite Wealth Manager in The Sacramento Beeu2019s 2026 Sacramento Favorites competition.
Yes, they launched Kaiser Permanente Retirement University, a free curriculum for KP employees and their families.
They have offices in Gold River and Roseville, California.
Retirees, healthcare professionals, families, and business owners seeking comprehensive, fiduciary financial guidance.
