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My Plan 4 Retirement

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United States
Centralia, WA
My Plan 4 Retirement

James Worobe specializes in State Employee Retirement systems like CalSTRS and CalPERS. 👨‍🏫 👩‍🏫 Best of all, my services are completely free and independent.

At My Plan 4 Retirement, I've been providing personalized retirement consulting since 2017. Specializing in self-employed, teachers, public employees, and federal employees, I use a robust software program to project retirement savings and identify income shortfalls. Whether you're just starting out, well into your career, or already in retirement, I'm here to help.

09/03/2026

Is your retirement plan helping your business now, or just checking a box?

For self-employed professionals, the difference between a SEP IRA and a Solo 401(k) can be huge in 2026. A Solo 401(k) may allow up to $72,000 in total contributions, plus a Roth option and plan loans up to $50,000 — features a SEP IRA doesn’t offer.

If your income changes from year to year, your retirement strategy should fit that reality. Schedule a consultation with My Plan 4 Retirement to see which structure fits your business best.

09/01/2026

Retirement planning does not have to start with guesswork.

One simple checkpoint: your savings-to-income multiple. It is an easy way for educators, federal employees, and self-employed professionals to see whether their current savings are lining up with their retirement goals.

Financial literacy matters, and so does guidance. Research shows that higher financial literacy and working with a financial planner are linked to greater retirement income adequacy and confidence.

If you want help putting that number into context, contact My Plan 4 Retirement or schedule a consultation.

08/28/2026

Start early, retire with more options.

For California educators, retirement planning in your 20s can mean more than just saving sooner. It can give you time to optimize CalSTRS decisions, build service credit with intention, and make adjustments before they’re hard to change.

Wait until mid-career, and you may still have strong options — just fewer of them.

Early planning isn’t only about putting money away. It’s about making smarter choices while there’s still time to shape your future.

Contact us to schedule a consultation.

08/27/2026

Retirement keeping you up at night?
Don’t start with goals — start with this 1-week audit first.

Your first 3 pulls:
• Benefit statement
• Recent paystub
• Account balances

Then ask 2 questions:
• Where could income fall short?
• What income arrives every month?

The fastest anxiety fix? A paycheck-style retirement income estimate.
When the numbers are clear, fear gets a lot quieter.

If uncertainty is what’s keeping you up at night, schedule a consultation and let’s replace guesswork with a plan.

08/26/2026

Dear Friends and Family,

I hope this message finds you well. I wanted to share something close to my heart and invite you to join me in making a difference.

This September, I will be participating in the Great Cycle Challenge for the 10th consecutive year to combat kids' cancer. This cause is especially meaningful to me as I ride in memory of Gauge Reo Thornton, a remarkable young boy who touched many lives. Gauge was full of life, loved the outdoors, and bravely battled cancer until he passed away at just 8 years old.

Cancer is the leading cause of death by disease among children in the United States, with over 15,700 children diagnosed each year. It's heartbreaking to know that 38 kids lose their lives to this disease every week. Our children deserve to live life to the fullest, not fight for it.

That's why I'm raising funds to support the Children's Cancer Research Fund. Their work is crucial in developing lifesaving treatments and moving us closer to a cure for childhood cancer.

I would be incredibly grateful if you could support my ride by making a donation. Every contribution, no matter the size, makes a significant impact and helps provide these kids with the brighter futures they deserve.

If you're interested in donating or learning more about my challenge, please visit my fundraising page here: https://greatcyclechallenge.com/Donate/Rider/119374

Thank you for your support and generosity.

08/25/2026

One retirement age doesn’t fit every goal.

More people are planning phased work, consulting, or gig income so retirement fits their life — not the other way around.

Start with 3 questions:
• When do you want to work less?
• What income do you need to protect each year?
• How do your CalSTRS, federal benefits, or self-employment income fit together?

A personalized retirement plan can bring more clarity and confidence to the years ahead. Contact us for guidance tailored to you.

08/21/2026

Before your retirement meeting: pull these 3 documents first.

1. Your CalSTRS annual statement or retirement estimate
2. Your service credit history
3. Your beneficiary info

One missed detail can change your monthly payout or slow down the entire process.

For educators and federal employees, a quick benefits audit now can save a lot of stress later. If you’re getting close to retirement, schedule a consultation with My Plan 4 Retirement before you submit anything.

08/20/2026

Your federal retirement isn't as automatic as HR makes it sound.

We see this a lot: someone focuses on the annuity number, signs the paperwork, and later realizes the real risk was the benefit they assumed would just carry over.

FEHB, survivor elections, and TSP withdrawals can quietly change how secure retirement feels. That’s why we always recommend a quick benefit blind spot check before anything becomes final.

If you’re getting close to retirement, don’t leave those details to chance. Contact us.

08/19/2026

"I'm just riding a bike."

Then I met Gauge.

He was 6 years old. Bald from chemo. Smiling bigger than anyone in the room. And I realized, this isn't about miles. It's about kids who don't get to choose whether they fight.

This September marks my 10th year doing the Great Cycle Challenge for the Children's Cancer Research Fund. 38 kids lose their lives to cancer every week in this country. That number should be zero.

I'm riding 400 miles this year, in memory of Nan, Don, Joy, Rob, Bob, Carol, Tim, and Gauge. Every dollar goes toward treatments that keep more kids smiling.

If you'd like to follow along or chip in, https://greatcyclechallenge.com/riders/JamesWorobe.

Thank you for caring.

08/18/2026

That last paycheck? It’s hiding in sick leave.

Too many CalSTRS educators focus only on final salary and miss a benefit sitting right there in unused sick leave. At retirement, those hours can convert to service credit and may strengthen the benefit you’ve already spent years earning.

We help California educators see the full picture before they retire — not just the obvious pieces, but the ones that are easiest to overlook. If you’re within a few years of retirement, this is worth a closer look.

Schedule a consultation to review your CalSTRS options.

Address

204 Tilley Avenue
Centralia, WA
98531

Opening Hours

Monday	9am - 4pm
Tuesday	9am - 4pm
Wednesday	9am - 4pm
Thursday	9am - 4pm
Friday	9am - 4pm

Website

http://www.myplan4retirement.org/

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