ESTATE PLANNING FOR FEDERAL EMPLOYEES
Your Complete, Turnkey Estate Plan—Coordinated with Your Federal Benefits and Tax Strategy
We handle the strategy, the attorney connection, and the implementation—so your estate plan is fully built, not just started.
Most estate plans never get finished—or they get finished but never coordinated with the client’s actual financial picture. Documents sit in a drawer while beneficiary designations go unupdated and federal benefits remain unaccounted for.
We offer something different: a turnkey estate planning solution that takes you from “we should probably do this” to a fully implemented plan—coordinated with your TSP, FEGLI, survivor benefits, and tax strategy every step of the way.
Your Advisor is with you from identification through implementation. You’re not handed off—you’re guided through.
Why Estate Planning Is Different for Federal Employees
Estate planning for federal employees is more complex than most people realize. Several of your most important financial assets operate outside the normal rules of estate law—and if your legal documents don’t reflect that, the consequences can be permanent and costly.
TSP beneficiary designations override your will. Survivor benefit elections are permanent. FEHB continuation for your spouse depends on decisions made before retirement. These aren’t footnotes—they’re the core of your estate plan.
Most attorneys don’t know this landscape. We do—and we make sure your attorney does too.
Our Turnkey Process: From Gap to Done
Most estate plans fail not because of bad documents, but because they were never coordinated with the client’s financial and tax strategy. Our four-step process is built to close that gap—and see it all the way through.
STEP 1
We Identify the Need Together
Your Advisor spots estate planning gaps—outdated wills, beneficiary misalignments, missing trust structures—and flags them as part of your ongoing financial review. Nothing falls through the cracks.
STEP 2
We Join the First Attorney Call With You
Your Advisor attends the initial call so there’s no re-explaining your financial picture from scratch. The attorney and Your Advisor are aligned from day one.
STEP 3
Your Attorney Drafts the Documents
Wills, trusts, powers of attorney, and healthcare directives are prepared at a preferred rate—transparent pricing, billed directly by the attorney. No markup, no surprise costs.
STEP 4
We Implement It Into Your Plan
Once documents are signed, our team updates beneficiary designations, reviews account titling, and aligns your tax strategy—so the legal work is fully integrated with your financial plan, not sitting in a drawer.
Your 3 Options for Getting Documents Done
We offer three coordinated paths to completing your estate plan. Whichever option you choose, your documents are fully integrated into your financial and tax strategy once they’re in place.
Option 1: Referral Attorney
Fully coordinated, in-person experience
We refer you to estate planning attorneys and attend your first call together—so the attorney understands your full financial picture from day one.
Documents are drafted at a preferred rate, billed directly by the attorney. No markup, no surprise costs.
Best for clients who want a fully hands-on, coordinated experience or have more complex planning needs.
Available in: DC, VA, MD, and FL.
Option 2: Online via Wealth.com
Accessible, cost-effective path
Through our partnership with Wealth.com, clients can create professionally drafted, state-specific estate planning documents from anywhere.
Documents include wills, trusts, powers of attorney, healthcare directives, and guardianship nominations.
Your Advisor monitors your progress and schedules a review call before you finalize anything.
Best for clients who prefer a streamlined, cost-effective option or are located outside our referral attorneys’ service area.
Option 3: Your Existing Attorney
Work with someone you already trust
If you already have a trusted estate planning attorney, we work alongside them.
Your Advisor attends the initial call, ensures your attorney has your full financial picture, and handles all implementation once documents are complete.
Our coordination process is the same regardless of who drafts your documents.
Best for clients with an established attorney relationship.
Federal Benefits We Coordinate With Your Estate Plan
These are the areas most estate plans miss—and where we make sure nothing is left misaligned:
- TSP beneficiary designations—TSP forms override your will. An outdated designation can pass assets to the wrong person regardless of what your will says. This is one of the most common—and most costly—mistakes we find.
- Survivor benefit elections—The election you make at retirement is permanent. It affects your spouse’s income, FEHB coverage, and financial security for life. We help you understand every trade-off before that decision is made.
- FEGLI & life insurance—Evaluating whether coverage is still necessary as you approach and enter retirement, and how it fits your legacy goals.
- Tax-efficient gifting strategies—Coordinated with your overall tax plan to maximize what passes to your loved ones and minimize unnecessary tax exposure.
- Account titling & beneficiary alignment—Ensuring how your accounts are titled and who is named as beneficiary reflects your current wishes and estate plan documents.
- Property deed retitling—Coordinated for trust clients where necessary to ensure real property is properly transferred into the trust.
Preparing Your Family
Beyond the documents themselves, we help organize and communicate the information your family will need. That means documenting account structures, intentions, and key financial details—so that when the time comes, your loved ones aren’t left piecing things together under stress.
The goal is a smooth, tax-efficient transition and reduced burden for the people you care about most.
Why Clients Choose Capital Financial Planners
A complete, turnkey estate planning solution—strategy, attorney connection, and implementation under one roof
Deep specialization in federal benefits—TSP, FEGLI, survivor benefits, and FEHB are part of every review
Your Advisor attends every initial estate planning call—no re-explaining, no gaps
Integrated tax planning—your CPA ensures your estate strategy and tax strategy work together
Three paths to fit your situation—referral attorney, online platform, or your own attorney—all fully coordinated
Fiduciary guidance—we act in your best interest, always
We don’t just help you start an estate plan—we help you finish it, and make sure it actually works with everything else in your financial life.
Our goal is to put the right plan in place—so your family, your benefits, and your legacy are fully protected.
Disclosures
Capital Financial Planners and LPL Financial do not provide legal advice. The estate planning coordination services described herein are financial planning in nature and do not constitute the practice of law. Clients are encouraged to consult with a qualified attorney for all legal matters.
Online estate planning documents are provided through Wealth.com, an independent third-party platform. Capital Financial Planners facilitates access to this service as a convenience to clients but is not responsible for the products, services, or content provided by Wealth.com. Use of Wealth.com is subject to their own terms of service and privacy policy.
When referring clients to estate planning attorneys, Capital Financial Planners provides referrals to multiple qualified attorneys and does not exclusively endorse any single provider. Clients are encouraged to evaluate and select an attorney based on their own judgment and needs. Attorney services are independent of Capital Financial Planners and LPL Financial and are billed directly by the attorney.
