For Federal, Military & Civilian Families
You erupted the debt. Now protect what's left.
A pension. A TSP. FEGLI. A house you finally own outright. You built something real — and right now, most of it will transfer according to paperwork you haven't looked at in a decade. Let's fix that, in plain English, before it becomes your family's problem.
Three packages, priced plainly. From $575. No one calls you fourteen times.
Are you aware of who's getting your money?
I've asked federal employees that question for eighteen years. The answer is almost always a name. And about a third of the time, it's the wrong one.
The form outranks the will.
Your TSP and FEGLI pay out based on the beneficiary designation on file — not your will, not your trust, not what the family "knows you wanted." When those two disagree, the form wins and nobody gets a vote.
Most common gap I findDivorce doesn't undo it.
A federal beneficiary designation doesn't quietly cancel itself when a marriage ends. Unless it was formally updated with the right form, an ex-spouse can still sit first in line for a benefit you spent thirty years funding.
The one that hurts mostNo will means the state writes one.
Die without a valid will and your state's intestacy statute decides who gets the house, the accounts, and — if your children are minors — who raises them. A judge who never met your family makes the call.
The one people put offEstate planning isn't about dying. It's about the two years after.
Whether the people you love spend that time in a courthouse hallway with a lawyer's meter running — or spend one afternoon signing paperwork and then go be a family again. That's the whole difference. And it gets decided now, by you, while you can still decide it.
The Four Pillars of Legacy
Same idea as the Four Legs of Balance I've used for years on debt: get all four under you, and the whole thing stops wobbling. Miss one, and everything else tilts.
Know
A full inventory of what you actually own and who is actually named — TSP, FEGLI, FERS survivor election, IRAs, property. You cannot protect what you have not counted.
Direct
The documents that put your voice on paper: a trust where it makes sense, a will, powers of attorney, a health care directive, guardianship for minor children.
Align
The step almost everyone skips. Beneficiary forms, account titling and trust funding get lined up with the documents — so the paperwork and the plan finally say the same thing.
Maintain
A plan built in 2019 for a family that looked different in 2019 is a liability. Marriages, births, deaths, moves, retirement — we review on a schedule so it stays true.
What you actually walk away with.
Not advice you have to go implement alone. Executed documents, corrected forms, and a place your family can find all of it — built on Wealth.com, the estate platform used by advisory firms across the country.
Revocable Living Trust
With the pourover will that goes alongside it. Keeps the transfer of assets out of probate, private, and on your timeline instead of the court's.
Financial Power of Attorney
Someone you trust can pay the mortgage and handle the accounts if you can't — without a guardianship hearing to get permission.
Advance Health Care Directive
Your medical wishes in writing, and one named person empowered to speak for you — so your family isn't guessing in a hospital corridor.
Guardianship Nominations
You name who raises your children if you can't. Leave this blank and a judge fills it in from whoever steps forward.
Secure Document Vault
Every document in one encrypted place your executor can actually reach — instead of a fireproof box nobody has the key to.
Attorney Review
A licensed attorney in your state reviews the plan with you before you sign. I'm not a lawyer and I won't play one — this is how that gap gets closed. Included from The Legacy Plan up.
Federal Beneficiary Audit
The one nobody else does. We pull your TSP, FEGLI, and FERS survivor elections, compare them to your documents, and correct every mismatch. Included from The Legacy Plan up.
Scenario Builder
See the actual dollar difference between plans — probate vs. trust, one distribution vs. another — before you commit to anything.
Estate Flow & Heritage Map
A picture of where everything actually goes, and a map of the family it goes to. Most people have never seen their own plan drawn out. It changes the conversation.
Ester® Document Review
Already have a will or trust from years ago? The platform's AI reads it, summarizes it in plain language, and shows you what it actually says today.
Mobile Notary
The step that kills most estate plans is the signing. A trust-certified notary comes to your kitchen table, so "I'll get to it" never becomes "I never did." Available as an add-on, at cost.
Scheduled Plan Reviews
Life changes and so should the plan. We revisit it on a set cadence, not whenever someone remembers to. Annual on The Legacy Plan, twice a year on Legacy+.
Not every item is in every package — see which ones are included where in the packages below.
Three ways to get this handled.
All three give you the full document platform. What changes is how much of my time comes with it — and whether an attorney reviews the plan before you sign.
Do-it-yourself. You get the full platform and a guided start — then you work through the documents at your own pace.
- Revocable Living Trust + pourover willWealth.com
- Financial Power of AttorneyWealth.com
- Advance Health Care DirectiveWealth.com
- Guardianship nominationsWealth.com
- Secure document vaultWealth.com
- Your own client portal & task checklistWealth.com
- Guided setup so you know where everything livesWith Tim
- Attorney review in your state
- Federal beneficiary audit
- Ongoing plan reviews
Your first 60 days of portal access are included. After that, ongoing changes are $39.99 a month.
Done together. An attorney reviews the plan, I audit your federal benefits, and we sit down once a year to keep it true.
- Everything in The Foundation
- Attorney review in your state — included, not billed to youWealth.com
- Federal beneficiary audit — TSP, FEGLI, FERSWith Tim
- Documents for both spousesWealth.com
- What-if scenario modelingWealth.com
- Trust funding & retitling walkthroughWith Tim
- FERS survivor benefit election guidanceWith Tim
- Annual plan review — once a year, on the calendarWith Tim
- Executor orientation session for your familyWith Tim
- A sounding board when the hard questions come upWith Tim
Your first 60 days of portal access are included. After that, ongoing changes are $29.99 a month.
Everything, twice a year, with me on call. For blended families, larger estates, or anyone thinking two generations out.
- Everything in The Legacy Plan
- Bi-annual reviews — twice a year, every yearWith Tim
- Debt Explosion Consultation includedWith Tim
- Direct line to Tim — concierge access, not a call centerWith Tim
- Multi-generational wealth transfer mappingWealth.com
- Blended-family & second-marriage structuringWealth.com
- Business & rental property interests worked inWealth.com
- Direct coordination with your CPA & attorney — they get their own secure accessWealth.com
- Family legacy meeting — I facilitate, you're heardWith Tim
- Priority schedulingWith Tim
Your first 60 days of portal access are included. After that, ongoing changes are $29.99 a month.
Keeping your plan alive
Your one-time payment includes 60 days of full portal access — enough time to build your documents, sign them, and download your own copies. After that, ongoing access continues automatically so your plan stays editable and your reviews stay on the calendar.
A plan written once and never touched again is how families end up right back where they started. Marriage, divorce, a birth, a move to a new state, a beneficiary you need to swap — you change it yourself, any time. You can cancel whenever you like; just download your documents first, because cancelling closes your portal.
Available add-ons
Debt Explosion Consultation
Protecting what you've built is one half. The other half is owing less of it. This is the system from the book — eliminate your debt in 20% of the time, using money you already have. Not available on The Foundation.
Mobile Notary Signing
The step that quietly kills most estate plans is the signing. A trust-certified notary comes to your kitchen table with printed copies, walks you through it, and leaves the originals with you.
Timothy McCleskey, Jr. is not a licensed attorney and does not provide legal advice.
I'm Timothy McCleskey, Jr.
Numbers are not going to lie to you. Your heart will. Let's plan right, together. — Timothy McCleskey, Jr.
Eighteen years in financial services, and in the federal market since 2008. I've stood in front of rooms full of IRS, Social Security, and Department of Defense employees running benefit and retirement seminars, and I wrote The Volcanic Eruption of Debt after one conversation at a Dave Ramsey town hall in Brentwood.
My degree is in psychology, not law. That's on purpose. The reason people don't have an estate plan is almost never that they don't understand the documents — it's that nobody has ever made the conversation survivable. I'm not here to lecture you. I'm here to make sure the people you love aren't left holding a mess.
- 18+ years in financial services; federal market since 2008
- Seminar consultant to the IRS, Social Security, and the Department of Defense
- Member, ASMC and AIM-IRS
- Author & creator of the Four Legs of Balance system
What clients say about working with Tim.
"We can't thank Tim enough for his awesome professionalism and compassionate consultation in creating our debt elimination plan!"
— David and Darlynda Bogle"If you want to come face-to-face with your financial inadequacies, yet develop a plan to get on track, talk to Timothy McCleskey, Jr. Tim knows the value of money and shows you how to keep more of your money in your own pocket."
— Reva Buckley"Tim made looking at my federal retirement easy to understand! He was very helpful and answered all my questions!"
— Traci WestbergThe questions I get every week.
Are you an attorney? Who actually drafts the documents?
No, and I'll never pretend otherwise. I'm not a licensed attorney and I don't give legal advice. Your documents are produced through Wealth.com — an attorney-designed platform that builds each document to your own state's requirements. Neither Wealth.com nor I am a law firm.
From The Legacy Plan up, a licensed attorney in your state reviews the plan with you before you sign, and I cover that cost.
What I do is the part that usually falls through the cracks: making sure your federal benefits, your account titling, and your beneficiary forms line up with what those documents say — and being a sounding board when the hard questions come up. Who should be executor? Have you actually talked to them? That conversation is where most of the value is.
What's the difference between the three packages, really?
All three give you the same document platform, because that's how it works — you get the whole toolkit either way.
What you're actually choosing is how much of my time comes with it. The Foundation is do-it-yourself: I get you set up in 30 minutes and you take it from there. The Legacy Plan adds an attorney review, the federal beneficiary audit, and a yearly sit-down with me. Legacy+ adds twice-yearly reviews, the debt consultation, and a direct line to me.
What happens right after I pay?
You'll get a link to book your session — 30, 60, or 90 minutes depending on your package — and a separate email setting up your Wealth.com account. Come with whatever you've got.
You then have 60 days of full portal access included to work through the guided document flow at your own pace. Most families finish in two to three weeks, and a good bit of that is just deciding who you want in which role.
What's the monthly charge for?
Continued access to your portal, and the ability to change your documents whenever life changes. Your first 60 days are included with your one-time payment. After that it's $29.99 a month on The Legacy Plan and Legacy+, or $39.99 on The Foundation.
Cancel whenever you want — but download your documents first, because cancelling closes the portal. The families who get burned are almost never the ones without a plan. They're the ones with a plan that stopped being true four years ago.
I already have a will from years ago. Isn't that enough?
It's a start, and it's more than most people have. But two questions: has anything changed since you signed it — a marriage, a divorce, a birth, a death, a move to a new state? And does it match your beneficiary designations?
That second one catches almost everybody. Your TSP and FEGLI don't consult your will. They pay whoever is on the form.
I'm already retired. Is it too late for this to matter?
No. Some elections — like the FERS survivor annuity — get much harder to change after retirement, so those we work with as they are. But beneficiary designations, wills, trusts, powers of attorney, and health care directives can all be put in place or updated at any point.
Frankly, retirees are the group where this matters most, because the balances are real and the timeline is shorter.
Is my information safe?
Your information is never sold or shared. Documents live in an encrypted vault, not in an email thread. And on the free review, you don't need to hand over account numbers — we're looking at names on forms and what documents exist, not balances.
Somebody is going to sort this out. Better it's you.
Either you spend fifteen minutes now while you can still make the decisions — or your family spends the next two years and a great deal of money making them for you, with a judge supervising. That's the entire choice.
Evenings available · Zoom or phone · Your information is never sold or shared.
Important disclosures. Timothy McCleskey, Jr. is not a licensed attorney. FedUp Group and Timothy McCleskey, Jr. are not a law firm and do not provide legal advice, tax advice, or the practice of law. Estate planning documents referenced on this page are produced through the Wealth.com platform and are personalized to the client's state jurisdiction; Wealth.com is likewise not a law firm and does not provide legal advice. Attorney reviews, where included, are provided by attorneys licensed in the client's jurisdiction. Wealth.com is an independent third-party platform and is not affiliated with FedUp Group; product names and features are the property of Wealth Inc. and are subject to change. Package pricing includes 60 days of platform access; continued access thereafter requires an ongoing monthly subscription, and cancelling ends portal access. Information on this page is general education regarding federal employee benefits and is not a recommendation regarding any specific security, insurance product, account, or strategy. Federal benefit rules, beneficiary procedures, and survivor election deadlines are established by the Office of Personnel Management and the Federal Retirement Thrift Investment Board and are subject to change; always confirm your own designations directly with your agency and account providers. Testimonials reflect the experience of individual clients and are not a guarantee of future results.
Questions? (615) 517-0596 · [email protected]