For nurses approaching or in retirement
Turn decades of caring for others into your own retirement paycheck
Guiding Nurses Toward a Confident Retirement
Prosperity Nurse Solutions™ works only with nurses, and only on the retirement transition. We listen first. You will leave the first conversation knowing where you stand, whether or not you become a client.
No cost, no obligation. A conversation, not a sales meeting.
Nurses who reported an intent to leave the workforce by 2027.
NCSBN National Nursing Workforce Survey, 2022
Median age of the registered nurse workforce.
NCSBN National Nursing Workforce Survey, 2022
Registered nurses employed in the United States.
U.S. Bureau of Labor Statistics, Occupational Outlook Handbook, 2023
The same questions come up in almost every Triage Call.
Nurses nearing retirement are not asking about benchmarks or asset allocation. They are asking whether the life they have planned is actually affordable, and who carries the weight if it is not.
Gathered from Triage Calls, seminars, and questions asked after shift. These are the questions we hear most often. They are not client testimonials and do not describe any individual’s experience or results.
Can I actually retire?
We look at what you need each month, what you have saved, the pension election in front of you, and when Social Security fits.
Will my paycheck last?
We look at how many years the money has to work, what rising costs do to it, and what a sustainable withdrawal looks like in your situation.
Will taxes take too much of my retirement?
We look at which accounts you draw from and in what order, how required distributions land, and what your bracket does year to year.
If I need long term care, will I become a burden on my family?
We look at coverage options, what care actually costs where you live, and how to have the conversation with your family before it becomes urgent.
The Nurse Retirement Transition Blueprint™
Every nurse we work with moves through the same stages, starting with the Financial Assessment. What follows shapes your plan.
Understand
Where are you today?
Income, savings, the pension election in front of you, your 403(b), Social Security, taxes and healthcare, brought into one picture in the Financial Assessment.
Protect
What could derail retirement?
Market downturns, healthcare costs, long term care, inflation, taxes, widowhood and longevity, all named out loud and early so none of them surprises you.
Create
How do you replace the paycheck?
The Nurse Retirement Bucket Plan™ sorts money by when you will need it. Now, soon and later, so short term needs are never exposed to long term risk.
Live
What does retirement look like?
Identity, purpose, family, travel, grandchildren and giving back. The part that rarely gets planned for, and the one nurses say nobody ever asked about.
Every plan we build starts with one conversation.
There is no form to fill in beforehand and nothing you need to prepare. You talk, we listen, and you leave with a clear sense of where you stand. Whether you become a client is a decision for another day.
- Nurses Only
- Twenty minutes
- No cost
A short list, on purpose.
Depth in a few areas, rather than a little of everything. Each one is shaped by how a nursing career actually works, not by a general template.
This is ongoing guidance rather than a one time plan. Your plan gets revisited as your life changes, because it will.
Retirement income planning
Building the retirement paycheck, and deciding where each dollar of it comes from.
Tax efficient retirement planning
Helping you keep more of what you already earned, looked at across years rather than one at a time.
Healthcare and long term care planning
Preparing for medical and care costs without giving up the retirement you planned.
Legacy planning
Protecting the people you love, and simplifying what they will one day have to handle.
A short guide written just for nurses.
- How your pension election changes your income for the rest of your life.
- When Social Security fits, for a nurse who also has a pension.
- What health coverage looks like if you stop working before 65.
- A one page checklist you can fill in at the kitchen table.
Informative articles for nurses
Your 403(b), Pension, and Social Security: How the Pieces of Nurse Retirement Income Fit Together
After years of nursing, you may have accumulated several resources intended to support you in retirement. There’s your 403(b). Maybe you have a pension. Social...
From Your Last Shift to Retirement: Planning for the Transition Out of Nursing
You’ve probably spent time thinking about the financial questions surrounding retirement. When can you stop working? How much income will you need? When should you...
Retirement Planning for Nurses: Why Your Career Requires a Different Approach
A nursing career rarely follows a perfectly straight line. You may spend years working nights, pick up overtime when you want additional income, change hospital...
You will always know what happens next.
Triage Call
You talk, we listen. We sort out what needs attention now and what can wait. Nothing is sold on this call and there is no cost. If we are not the right fit, we will say so.
Financial Assessment
Pension statements, plan balances, benefits elections, debt, and what you want the next chapter to look like, gathered into one picture. This is what makes the next step specific to you.
Care Plan Presentation
Your Three-Bucket Financial Care Plan, delivered and talked through. Built from your Financial Assessment and tailored to your career, not a template. You take it home and decide what to do with it, on your timeline.
The Blueprint is the path. The Pillars are the ground it covers.
Protect what matters most
Emergency savings, insurance that actually fits, and an estate plan that holds up.
Eliminate debt and increase cash flow
Breathing room, built by clearing high interest debt and knowing where the money goes.
Grow and maximize your wealth
Investing with purpose, and using the retirement and tax advantaged accounts you already have.
Plan your retirement with confidence
A personal income plan, a handle on taxes, and a clear look at healthcare and longevity.
Live your best life and leave a legacy
Supporting the people and causes you care about, today as well as later.
My mother spent her career as a hospice nurse.
David Wilcox
Marilyn sat with families on the hardest days of their lives and made them feel steady. She did it for decades, through night shifts and holidays and doubles.
What she did not have was anyone doing the same for her. When it came time to think about her own retirement, the information was written for someone else, in language that assumed a career that looked nothing like hers. She figured it out the way nurses figure everything out, on her own, after hours.
That is the gap this practice exists to close. We work only with nurses, and only on the retirement transition, because that is the moment where getting it wrong costs the most. Pensions and 403(b)s in the same career. Income that shifted with the schedule for thirty years. Physical work with a real end date.
So we start by listening. Then we teach. Then, only if it makes sense for you, we build a plan. That order does not change.
Start with a Triage Call.
Twenty minutes on the phone. You describe where you are and what you want retirement to look like. We tell you what we see and what we would look at first. No cost, no obligation, and nothing to sign.