You cannot plan an estate you do not have yet.
Some people are not ready to talk about trusts and beneficiaries. They are ready to talk about the balances keeping them up at night. If that is you, start here. Clear the debt first, and build an estate worth planning for.
one-time · your plan, built with you
The Four Legs of Balance
This is the system behind the book, and it is what the hour is spent on. Four legs. If one is wrong, the table wobbles no matter how hard you work.
- 1
What is coming in
Every dollar that reaches you, from every source. Most people have never written it all down in one place.
- 2
What is going out
Where it actually goes, not where you think it goes. This is the leg that surprises people.
- 3
What you owe
Every balance, rate and term, laid out together. Seeing it in one view is half the work.
- 4
What you keep
What is left, and what it is doing for you. This is the leg that turns a budget into a plan.
What $299 actually buys
You are paying for Tim's time and the plan that comes out of it. Not a course, not a PDF you will never open.
- A full hour with Tim, one to one, not a group call
- Your Four Legs of Balance built out with your actual numbers
- A written debt elimination plan showing the order and the timeline
- Your personal worksheet, filled in and yours to keep
- A 15-minute review every month for six months, to keep it on track
- Ongoing reviews after that for as long as you want them
About the monthly. After your session, your plan is reviewed with you for 15 minutes a month at $39.99. That is a six-month commitment, then month to month for as long as it is useful. You can cancel any time.
Most people need ten minutes, not fifteen. The point is that somebody checks, and that you are not doing this alone six weeks in when the first thing goes sideways.
If you have to take Social Security at 62 just to retire, you cannot afford to retire.
Debt is the reason most federal employees take their benefits early and smaller. Fix the debt and the whole retirement math changes, because you get to choose when you leave instead of being told by a balance.
Who is walking you through this
Timothy McCleskey, Jr. has spent eighteen years in financial services and has been in the federal market since 2008, running benefit and retirement seminars for the IRS, Social Security and the Department of Defense. He wrote The Volcanic Eruption of Debt about eliminating debt in twenty percent of the time, using money you already have.
He has been doing this conversation for free for years. This is the same conversation, with a written plan at the end of it and somebody checking on you after.
Already in good shape on debt?
Then the work is protecting what you have built. The estate planning packages cover wills, trusts, powers of attorney and your federal beneficiary designations. The two upper packages include this debt work as part of the engagement.
FedUp Group provides financial education and debt elimination coaching. The Four Legs of Balance is an educational framework, not a debt settlement, debt consolidation or credit repair service, and no specific result is promised. Nothing here is legal, tax or investment advice. FedUp Group is not affiliated with, endorsed by, or acting on behalf of the U.S. Office of Personnel Management, the Thrift Savings Plan, or any federal agency.