My Plan 4 Retirement

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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.

If you're a California educator who's spent 30 years in the classroom, you know what it means to show up for kids.Jim's ...
09/17/2026

If you're a California educator who's spent 30 years in the classroom, you know what it means to show up for kids.

Jim's been showing up for a different kind of fight, 10 years riding for kids with cancer. This September, he's pedaling 400 miles in memory of Nan, Don, Joy, Rob, Bob, Carol, Tim, and Gauge.

Over 15,700 kids are diagnosed every year. 38 lose their lives each week. Jim rides so the Children's Cancer Research Fund can turn that number down.

Here's how you can help:
• Donate to Jim's ride
• Share his page with someone
• Send a message of support for the families

Every dollar moves treatments forward.

Schedule a consultation or visit our website to learn how My Plan 4 Retirement supports community causes like this one.

https://greatcyclechallenge.com/riders/JamesWorobe

Start small, gain more options.A California educator who begins retirement planning in their 20s can often build more fl...
09/15/2026

Start small, gain more options.

A California educator who begins retirement planning in their 20s can often build more flexibility than someone who waits until mid-career. Why? Early contributions have more time to grow, and that extra runway can make timing, taxes, and benefit decisions feel a lot less stressful later.

For CalSTRS members, federal employees, and self-employed professionals, early planning is about more than saving more — it’s about creating choices when retirement rules get more complicated.

Contact us to schedule a consultation and build a retirement strategy that fits your goals.

Retirement anxiety usually gets louder when the numbers stay fuzzy.For California educators, federal employees, and self...
09/11/2026

Retirement anxiety usually gets louder when the numbers stay fuzzy.

For California educators, federal employees, and self-employed professionals, 3 figures can bring real clarity fast:
Your estimated monthly retirement income
Your expected retirement expenses
Any gap between the two

When you know those numbers, planning stops feeling like guesswork and starts feeling manageable.

If you’re feeling unsure, a personalized retirement checkup can help turn uncertainty into a clear next step. Contact us.

RETIREMENT BENEFITS AUDITBefore you retire, ask these 3 questions:• What will my monthly income actually be?• Which bene...
09/10/2026

RETIREMENT BENEFITS AUDIT

Before you retire, ask these 3 questions:
• What will my monthly income actually be?
• Which benefits change if I retire this year vs. next year?
• What paperwork could delay my first check?

For educators and public servants, small timing mistakes can create big gaps in retirement income. A clear review now can help you spot issues before they become expensive surprises.

Schedule a consultation with My Plan 4 Retirement to review your benefits with confidence.

Because a group of generous donors will MATCH ALL ONLINE DONATIONS received by ANY rider today (up to $1,400,000) to sup...
09/09/2026

Because a group of generous donors will MATCH ALL ONLINE DONATIONS received by ANY rider today (up to $1,400,000) to support your efforts to kick cancer's butt!… See more
Support My 400 Mile Ride to Fight Kids' Cancer!
greatcyclechallenge.com

https://greatcyclechallenge.com/Riders/JamesWorobe

Retirement paycheck audit for federal employees:How much of your future income will come from FERS, TSP, Social Security...
09/08/2026

Retirement paycheck audit for federal employees:
How much of your future income will come from FERS, TSP, Social Security, and survivor benefits?

If one piece comes in lower than expected, would your numbers still feel secure?

A clear retirement plan starts with understanding where each dollar is supposed to come from — and where the gaps might be.

Schedule a consultation with My Plan 4 Retirement to review your federal benefits before your retirement date gets too close.

It has been wet. I have had meetings. I took naps. But I finally posted my first ride for this year's Great Cycle Challe...
09/06/2026

It has been wet. I have had meetings. I took naps. But I finally posted my first ride for this year's Great Cycle Challenge USA. Please Support My 400 Mile Ride to Fight Kids' Cancer!

Jim Worobe is riding in the Great Cycle Challenge. Please sponsor Jim now to end childhood cancer and save little lives. View James's fundraising page!

Thinking about retiring from CalSTRS?One small move after you leave can quietly shrink your monthly check later.It’s not...
09/04/2026

Thinking about retiring from CalSTRS?
One small move after you leave can quietly shrink your monthly check later.

It’s not just your pension formula. If you work again, CalSTRS also looks at when you separated from service and what you earn. Skip either rule, and your benefit can be delayed or reduced.

Protect the income you’ve built. Review your exit plan and post-retirement work limits before you retire. Contact us to talk it through.

Is your retirement plan helping your business now, or just checking a box?For self-employed professionals, the differenc...
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.

Retirement planning does not have to start with guesswork.One simple checkpoint: your savings-to-income multiple. It is ...
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.

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204 Tilley Avenue
Centralia, WA
98531

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

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