My Plan 4 Retirement:
Navigating Your Financial Tomorrow, Today!
Specialized Retirement Planning for Teachers, Public Servants, Federal Employees, Contractors,
Self-Employed and Entrepreneurs
Whether you're an educator navigating CalSTRS, a federal employee optimizing your FERS benefits, or an entrepreneur building your own retirement security, My Plan 4 Retirement provides the expertise and personalized guidance you need to secure your financial future. Serving clients nationwide, we understand the unique retirement challenges facing today's diverse workforce.
Ready to take control of your retirement future?
Call us today at 360-362-1212 for your personalized consultation.
Secure Your Tomorrow With My Plan 4 Retirement
Welcome to My Plan 4 Retirement, where your financial journey begins with understanding, expertise, and personalized care. In today's complex retirement landscape, one-size-fits-all solutions simply don't work. That's why we specialize in the unique retirement systems that serve our nation's most dedicated professionals: teachers, public servants, federal employees, and entrepreneurs.
Your career path shapes your retirement options, and we're here to help you navigate every opportunity and challenge along the way. From the intricacies of CalSTRS and CalPERS to the three-pillar FERS system, from Solo 401(k)s to SEP-IRAs, or 403(b)s, we bring deep expertise in the retirement systems that matter most to your professional community.
Specialized Expertise for
Your Profession
Empowering Educators with CalSTRS Expertise
Are you a teacher in California? We specialize in demystifying the complexities of CalSTRS, making sure that your retirement benefits are optimized for your unique career path. Whether you're under the CalSTRS 2% at 60 or 2% at 62 formula, we help you understand how your years of service, final compensation, and retirement age work together to determine your pension benefits.
Teaching is more than a profession—it's a calling that shapes future generations. Your dedication to education deserves a retirement plan that reflects your commitment and provides the security you've earned. We help California educators navigate the CalSTRS system, understand their pension calculations, explore supplemental retirement savings options, and plan for a retirement that honors their years of service.
CalSTRS planning includes:
Understanding your benefit formula and pension calculations
Optimizing your final compensation for maximum benefits
Coordinating CalSTRS with Social Security and other retirement savings
Planning for healthcare coverage in retirement
Exploring your 403(b) options
Financial Security for Federal Employees
Federal employees, your service to the nation deserves a retirement plan that ensures financial security and peace of mind. We are well-versed in the Federal Employee Retirement System (FERS) and can guide you in optimizing your benefits across all three pillars: your FERS pension, Social Security, and the Thrift Savings Plan (TSP).
The FERS system offers unique advantages, but maximizing these benefits requires strategic planning and expert guidance. From understanding your annuity calculations to optimizing your TSP contributions and investment allocations, we help federal employees build a comprehensive retirement strategy that leverages every available benefit.
FERS optimization includes:
Maximizing your FERS pension through strategic career planning
Optimizing TSP contributions to capture full employer matching
Strategic investment allocation across TSP fund options
Understanding the FERS Annuity Supplement for early retirees
Coordinating FERS benefits with Social Security for maximum incomes
Tailored Solutions for Self-Employed Individuals, Contractors, and Entrepreneurs
For our self-employed friends, contractors, and entrepreneurs, planning for retirement presents unique challenges and opportunities. Without the safety net of employer-sponsored plans, you have the freedom—and responsibility—to build your own retirement plan. My Plan 4 Retirement offers tailored solutions that empower you to create a robust retirement plan while managing the unique aspects of your business and entrepreneurial journey.
Self-employment offers flexibility and independence, but it also requires proactive retirement planning. We help entrepreneurs, contractors, and self-employed professionals navigate the array of retirement savings options available to them, from SEP-IRAs and Solo 401(k)s to SIMPLE IRAs and defined benefit plans, ensuring they choose the strategies that best fit their business structure and financial goals.
Self-employment retirement planning includes:
Choosing the right retirement plan structure for your business
Maximizing tax-deferred savings through SEP-IRAs and Solo 401(k)s
Balancing retirement savings with business cash flow needs
Planning for irregular income and seasonal business cycles
Coordinating personal and business financial strategies
Testimonials
Jim is passionate about caring for his clients. He helps untangle all aspects of retirement and estate planning to help clients understand their resources and manage assets.
Orion Tommy
Jim is one of the people I wish I'd known years ago! He's a wealth of information with generous sprinklings of humor. We need both these days. Seriously, if you need a plan for handling your money so you can retire comfortably - contact him now. He can help people anywhere...
Cheryl Montgomery
Why Choose My Plan 4 Retirement?
Deep Expertise in Specialized Systems
Unlike generalist financial consultants, we focus specifically on the retirement systems that serve teachers, public servants, federal employees, contractors, and entrepreneurs. This specialization means we understand the nuances, opportunities, and potential pitfalls that others might miss. We stay current with legislative changes, benefit updates, and planning strategies specific to your profession.
Personalized Service, Nationwide Reach
Based in WA, we serve clients across the United States. Whether you're a teacher in California, a federal employee in Washington D.C., or an entrepreneur in Texas, we provide the same high level of personalized service and expertise. Our nationwide practice means we understand the variations in state systems and can help you navigate multi-state career moves.
Comprehensive Planning Approach
Retirement planning is more than just accumulating assets—it's about creating a comprehensive strategy that addresses all aspects of your financial future. We help you coordinate your various retirement accounts, optimize your tax strategies, plan for healthcare costs, and ensure your estate planning aligns with your retirement goals.
Ongoing Partnership
Your retirement planning needs evolve as your career progresses and your life changes. We provide ongoing support and regular reviews to ensure your retirement strategy stays on track. From early career contribution strategies to pre-retirement optimization and post-retirement income planning, we're your partners throughout your entire financial journey.
Take the Next Step
Ready to Embark on Your Personalized Retirement Journey?
Your retirement security is too important to leave to chance. Whether you're just starting your career or approaching retirement, you're navigating a complex public pension system or building your own entrepreneurial retirement plan, we're here to help you secure your financial future.
Contact My Plan 4 Retirement at 360-362-1212 to schedule your personalized consultation. We're here to help you navigate your unique retirement challenges and build the secure tomorrow you deserve.
Don't wait—your future self will thank you for taking action today.