Estate Planning for Federal Employees in Maryland

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Maryland federal employees face a planning wrinkle most states don't have: Maryland is one of the few states that levies both an estate tax and a separate inheritance tax, and how your assets are titled and left to heirs can change what your family owes. The Celli Law Firm builds estate plans for Maryland-based federal employees that account for FERS, TSP, and FEGLI alongside Maryland's tax rules, with flat-fee pricing and a virtual-first process.

Maryland's Estate & Inheritance Tax

Maryland levies a state estate tax with a $5,000,000 per-person exemption (not indexed for inflation, so a married couple can shelter up to $10,000,000 combined), with progressive rates from 0.8% up to 16% on the taxable amount above that exemption. Maryland also imposes a separate 10% inheritance tax, though it does not apply to a spouse, child or other direct descendant, parent, grandparent, sibling, stepchild, or stepparent. How your estate plan is structured determines whether your family owes anything at all.

How much does it cost?

 

There is no one-size-fits all approach to estate planning. We offer a tailor made plan specifically for your situation and your needs. Our plans range from $3,000 for a basic plan up to $7,750 on the high end for an extensive plan that will protect your assets and ensure they are out of court and out of your state’s department of unclaimed property for you and your loved ones. 

 

After a discussion with me, you will be able to select the plan that best fits your current situation and needs. Book a free consultation with me when you are ready to discuss your estate planning needs and we will find the plan that is right for you and your loved ones.

Additional Services Included in Our Subscription

 

With our VIP subscription plan, clients get an annual review of their estate plan with unlimited updates to existing documents, one new amendment (such as a new trust or guardianship document), and an annual review of your asset list.