Retirement guidance that feels personal.
I’m Pauline Githara — a Certified ERP who listens first, then builds a clear, caring plan around the life you’ve worked so hard for. Specializing in pre-retirees, savers, and California’s CalPERS & CalSTRS members.
Pauline Githara
Certified ERP
“Your future deserves a plan built with care, clarity, and confidence.”
Years helping families plan
Clients guided with care
Listening before recommending
Statewide specialties: CalPERS & CalSTRS
What I help with
Thoughtful planning for every stage of your journey.
Every household is different. Your plan should be too. Here’s how I help you move forward with confidence.
California Public Employees
A trusted partner for CalPERS & CalSTRS members.
The choices you make at retirement have lifelong effects. I’ll walk you through benefit elections, survivor options, and supplemental savings — at a pace that feels right for you.
- CalPERS pension optimization and option analysis
- CalSTRS Member-Only vs. survivor option reviews
- 403(b), 457(b), and IRA coordination with your pension
- Healthcare & longevity planning for your family
CalPERS
State, county, city, and public agency employees across California.
CalSTRS
Public school teachers and educators throughout the state.
“Pauline translated my pension paperwork into a plan I actually understood — and felt good about.”
— A CalSTRS member, Sacramento County
How we work together
A simple, caring process — no pressure, ever.
Listen
We start with a friendly conversation about your life, goals, and worries — not a sales pitch.
Plan
I map out a clear strategy that covers income, protection, taxes, and legacy — in plain English.
Walk with you
Plans change. Life changes. I’m here for annual reviews and the questions that matter.
Kind words from clients
Real stories, real peace of mind.
“Pauline sat with me for two long conversations just to understand my family. When we finally reviewed my CalSTRS options, every choice felt like mine — not hers. I finally feel ready to retire.”
Maria H.
CalSTRS member • Sacramento, CA
“I had a shoebox full of statements and no real plan. Pauline turned it into a one-page strategy I can actually understand. My wife and I sleep better.”
James D.
Retired CalPERS member • San Bernardino, CA
“What struck me most was how much she listened. She didn’t try to sell me anything. By the end of our first meeting I knew I was in good hands.”
Angela R.
Pre-retiree, healthcare worker • Seattle, WA
Let’s talk
Your questions matter. Let’s find clear answers — together.
A 30-minute complimentary consultation is the easiest way to see if we’re a good fit. No obligation. No sales pressure.