I see a couple of ways to go.
A I5-4460 is a quad that runs at 3.2. It is not overclockable.
With a H97 motherboard, you would be able to replace the i5-4460($190) with a i5-4690K($240) which runs at 3.4, not a big improvement.
You could upgrade to a I7-4790K$340) which runs at 4.0/4.4. That is sufficient for any game.
2. 4460 Z97
This gives you the upgrade option of a 4690k which can be overclocked to the 4.0/4.5 range, depending on your luck in gatting a good chip.
For the minor difference in cost, this is a better deal.
3. I5-6600K and Z170 motherboard. Available now.
I like this better 6600K($250) runs at 3.5 stock and can be overclocked.
It is some 10% faster per clock.
Z170 motherboards are very competitively priced, and look to be able to run future faster ssd offerings.
DDR4 ram has come down in price, and is only a bit more expensive.
Whenever you upgrade, you are faced with the disposal of the old parts.
I think it is sounder strategy to buy what you need up front and avoid upgrades that replace parts as long as possible.