Inheritance, Meet Technology: Estate Claims May Be Challenged – Annapolis and Towson Estate Planning

Between off-the-shelf DNA testing kits and online genealogical searches, family members who may have never known of each other’s existence are coming to light more often than ever before. So is the news that one’s parent may not be a biological parent, according to the article “Discovering long-lost family: Inheritance laws cover surprise relatives, but changes possible,” from The Indiana Lawyer.

This is yet another reason that wills and estate plans must be carefully drafted by an estate planning attorney. Language in the will must make it very clear that assets are only to be distributed to the known children of the married couple, unless that is not the person’s wish.

An inheritance may be left for a child who was given up through adoption or, if a previously unknown child shows up at the doorstep, the family may wish to bequeath a share of their estate to that child. There may be no legal claim, but the family may feel a moral obligation, which is entirely up to them.

Since technology is streamlining the search for lost relatives into a few keyboard clicks, the drafting of wills has become more complex. It’s not just filling out names on a form, because the will has to be drafted to prevent any unforeseen problems that may result when new relatives appear.

The search for unknown relatives usually comes from positive motives. Family members usually want to connect with long-lost cousins, aunts, uncles and siblings, out of a desire for connection and not financial gain. However, a properly prepared will should be drafted, according to the testator’s wishes.

Families are changing, with more openness, and estate plans are being adjusted accordingly.

One couple wrote a will to leave an inheritance to a grandson, even though he had been adopted by another man. Their son had died after fathering the child without marrying the child’s mother. The mother married, and her husband adopted the grandchild, but the grandparents had maintained a relationship with the family and left their son’s heir a portion of their estate.

People are more aware that family members may arrive unexpectedly. Occasionally, spouses want language in the will restricting assets only to the children who are the product of their marriage. That can spur some uncomfortable, but necessary, conversations.

When you sit down with an estate planning lawyer to discuss your will and distribution of assets, you’ll need to be honest and discuss any possible heirs who might appear that were previously unknown to the family. The more details and information you can provide to the attorney, the better prepared your will can be to withstand a challenge from a ‘new relative.’ If the wish is to take care of a previously unknown family member, that can be accomplished also.

Reference: The Indiana Lawyer (May 29, 2019) “Discovering long-lost family: Inheritance laws cover surprise relatives, but changes possible”

Sims & Campbell, LLC – Annapolis and Towson Estate Planning Attorneys 

Are Inheritances Taxable? – Annapolis and Towson Estate Planning

Inheritances come in all sizes and shapes. People inherit financial accounts, real estate, jewelry and personal items. However, whatever kind of inheritance you have, you’ll want to understand exactly what, if any, taxes might be due, advises the article “Will I Pay Taxes on My Inheritance” from Orange Town News. An inheritance might have an impact on Medicare premiums, or financial aid eligibility for a college age child. Let’s look at the different assets and how they may impact a family’s tax liability.

Bank Savings Accounts or CDs. As long as the cash inherited is not from a retirement account, there are no federal taxes due. The IRS does not impose a federal inheritance tax. However, there are some states, including Iowa, Kentucky, Maryland, Nebraska, New Jersey and Pennsylvania, that do have an inheritance tax. Speak with an estate planning attorney about this tax.

Primary Residence or Other Real Estate. Inheriting a home is not a taxable event. However, once you take ownership and sell the home or other property, there will be taxes due on any gains. The value of the home or property is established on the day of death. If you inherit a home valued at death at $250,000 and you sell it a year later for $275,000, you’ll have to declare a long-term capital gain and pay taxes on the $25,000 gain. The cost-basis is determined when you take ownership.

Life Insurance Proceeds. Life insurance proceeds are not taxable, nor are they reported as income by the beneficiaries. There are exceptions: if interest is earned, which can happen when receipt of the proceeds is delayed, that is reportable. The beneficiary will receive a Form 1099-INT and that interest is taxable by the state and federal tax agencies. If the proceeds from the life insurance policy are transferred to an individual as part of an arrangement before the insured’s death, they are also fully taxable.

Retirement Accounts: 401(k) and IRA. Distributions from an inherited traditional IRA are taxable, just as they are for non-inherited IRAs. Distributions from an inherited Roth IRA are not taxable, unless the Roth was established within the past five years.

There are some changes coming to retirement accounts because of pending legislation, so it will be important to check on this with your estate planning attorney. Inherited 401(k) plans are or eventually will be taxable, but the tax rate depends upon the rules of the 401(k) plan. Many 401(k) plans require a lump-sum distribution upon the death of the owner. The surviving spouse is permitted to roll the 401(k) into an IRA, but if the beneficiary is not a spouse, they may have to take the lump-sum payment and pay the resulting taxes.

Stocks. Generally, when stocks or funds are sold, capital gains taxes are paid on any gains that occurred during the period of ownership. When stock is inherited, the cost basis is based on the fair market value of the stock or fund at the date of death.

Artwork and Jewelry. Collectibles, artwork, or jewelry that is inherited and sold will incur a tax on the net gain of the sale. There is a 28% capital gains tax rate, compared to a 15% to 20% capital gains tax rate that applies to most capital assets. The value is based on the value at the date of death or the alternate valuation date. This asset class includes anything that is considered an item worth collecting: rare stamps, books, fine art, antiques and coin collections fall into this category.

Speak with an estate planning attorney before signing and accepting an inheritance, so you’ll know what kind of tax liability comes with the inheritance. Take your time. Most people are advised to wait about a year before making any big financial decisions after a loss.

Reference: Orange Town News (May 29, 2019) “Will I Pay Taxes on My Inheritance”

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‘Someday’ Is Sooner than You Think – Annapolis and Towson Estate Planning

The cause for sleepless nights for many now comes from worrying about aging parents. As parents age, it becomes more important to talk with them about a number of “someday” issues, advises Kanawha Metro in the article “Preparing for someday.” As their lives move into the elder years, your discussions will need to address housing, finances and end-of-life wishes.

Where do your parents want to spend their later years? It may be that they want to move to an active retirement community not far from where they live now, or they may want a complete change of scenery, perhaps in a warmer climate.

One family made arrangements for their mother to take a tour of a nearby senior-living community after their father passed. By showing their mother the senior-living community, they made an unknown, slightly intimidating thing into a familiar and attractive possibility. Because she saw the facility with no pressure, just a tour and lunch, she knew what kind of options it presented. The building was clean and pretty and the staff was friendly. Therefore, it was a positive experience. She was able to picture herself living there.

Money becomes an issue as parents age. If the person who always handled the family finances passes away, often the surviving spouse is left trying to figure out what has been done for the last five decades. A professional can help, especially if they have had a long-standing relationship.

However, when illness or an injury takes the surviving spouse out of the picture, even for a little while, things can get out of control fast. It only takes a few weeks of not being able to write checks or manage finances to demonstrate the wisdom of having children or a trusted person named with a power of attorney to be able to pay bills and manage the household.

As parents age and their health becomes fragile, they need help with doctor appointments. Having a child or trusted adult go with them to speak up on their behalf, or explain any confusing matters, is very important.

Having an estate plan in place is another part of the business of aging that needs to be accomplished. It may be helpful to go with your parents to meet with an estate planning attorney to create documents that include a last will and testament, durable power of attorney and advanced health care directive. Without these documents, executing their estate or helping them if they become incapacitated will be more complex and more costly.

Eliminate a scavenger hunt by making sure that at least two siblings know where the originals of these documents are.

One of the more difficult conversations has to do with end-of-life and funeral arrangements. Where do your parents want to be buried, or do they want to be cremated? What should be done with their remains?

What do they want to be done with their personal belongings? Are there certain items that they want to be given to certain members of the family, or other people they care for? One family used masking tape and a marker to write the names of the people they wanted to receive certain items.

Finally, what do they want to happen to their pets? If there is a family member who says they will take their parent’s pet, can that person be trusted to follow through? There needs to be a Plan A, Plan B and Plan C so that the beloved pet can be assured a long and comfortable life after their owner has passed.

Yes, these are difficult conversations. However, not having them can lead to far more difficult issues. Knowing what your loved ones wish to happen, and making it enforceable with an estate plan, provides everyone in the family with peace of mind.

Reference: Kanawha Metro (May 29, 2019) “Preparing for someday”

Sims & Campbell, LLC – Annapolis and Towson Estate Planning Attorneys 

Practical Steps to Take Before Going to a Warmer Place for the Winter – Annapolis and Towson Estate Planning

If heading south for the winter has been a dream of yours for years, you should learn how to prepare to make the most of this experience. Here are some practical steps to take before going to a warmer place for the winter.

Before You Snowbird:

Before packing the car to head south or west for several months in the winter, there are steps you should take to avoid problems that could put a damper on your snowbird life. These factors include:

  • You have to decide which place will be your permanent residence. This issue might sound like a technicality, but your permanent address can impact your driver’s license, car registration, voter registration, official mailing address with the U.S. Post Office and your state and federal taxes. Of course, if you rent rather than own the property where you escape the winter weather, your permanent residence will not be an issue.
  • Before you buy a house or condo in your dream snowbird location, make sure you will love living there for months on end. Some places are delightful to visit but become annoying after several weeks. You might want to rent for a winter or two, before putting your money down on your winter hideaway. Some people select three areas and rent a place in each location for a month at a time, then compare the three after the snowbird season to decide on their favorite neighborhood.
  • Make sure your health insurance will work at your winter destination. Original Medicare is valid in every state, but some Medicare Advantage plans charge you higher out-of-network fees, deductibles and copays, if you get medical care outside of your home region.
  • Notify your homeowner’s insurance. If you leave your primary residence vacant for more than 30 days, your homeowner’s insurance might not cover your house, in the event of a problem. If you buy a second home as a winter escape, make sure you insure the house.
  • Prepare your house for your absence. The last thing you want is pipes freezing while you are away. You might rent out the house while you are snowbirding to have someone living in it to reduce the likelihood of a break-in. If the house will be empty, set timers on the lights, turn off the water and keep the heat set at a low temperature. Have a friend check on the house periodically. Arrange for snow removal, so that your absence will not be obvious to passersby.

Reasons People Flee from Northern States in the Winter

There are many reasons why people evacuate the snow and sleet for milder climates in the winter. Some common motivations are:

  • Health – avoiding respiratory infections, like colds, the flu or pneumonia.
  • Comfort – many people dislike bitter cold winter weather.
  • Arthritis – cold can make this uncomfortable condition, even more unpleasant.
  • Physical and social activity – it is easier stay active and get out to do things and see people, if you are in weather with mild temperatures like the 60s and 70s, rather than being unable to get out of your house because of the snow and ice.
  • Injuries – many people get fractures in the winter in cold climates from slipping and falling on the slick sidewalks and driveways.
  • Heart attacks – right after a snowfall, the number of heart attacks go up from people shoveling their driveways and sidewalks.
  • They can. Plenty of people wanted to snowbird for many years but could not do so, because they had to work and raise their families. Now that they have the time, they escape winter because they can.

A lot of this is common sense, but it never hurts to have a checklist to make sure you do not overlook the obvious.

Reference: AARP. “How to Get Ready for a Snowbird Lifestyle.” (accessed May 22, 2019) https://www.aarp.org/retirement/planning-for-retirement/info-2018/how-to-snowbird.html

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Is it Wise to Have Three Grown Children Named Co-Executors of Your Will? – Annapolis and Towson Estate Planning

Is it a good idea to have your three grown children listed as co-executors of your will? This may get somewhat confusing when probating a will if there are multiple executors.

What are the pros and cons to choosing one child to act as your executor instead of selecting all three of your children to act together?

nj.com’s recent article asks “I’m planning my will. Is it bad to have more than one executor?”

The article explains that the duty of the executor is to gather all the decedent’s assets, pay any outstanding debts and liabilities and then account for and distribute the remaining estate to the beneficiaries according to the instructions in the decedent’s will.

The executor is allowed to hire professionals and others to help with tasks, like completing a decedent’s final income tax return or preparing the home for sale.

When you have multiple executors appointed, these tasks can be assigned to each person to lessen the burden of the many duties and responsibilities that an executor has.

On the downside, if those appointed can’t work together easily and without strife, appointing multiple siblings can make the administration of an estate much more difficult due to arguments, conflicts of interest, one sibling taking the lead to the resentment of the others or one executor undermining another executor’s actions.

The problem is, in situations where the siblings don’t get along, designating one of them as executor can cause hard feelings and conflict. It’s not uncommon for those siblings who aren’t named as executor to complain about every decision made by the named executor or delay in the administration of the estate.

If there are multiple executors, the majority rules. That can avoid deadlock. Simple math in this case says that you want to avoid naming an even number of executors or name a person who can act as the tiebreaker.

Even with a “majority rules” agreement among the executors, there are some financial institutions and other entities that may require all the executors to sign documents and/or checks on behalf of the estate. This can become burdensome and inefficient, if there are multiple executors.

Speak with your estate planning attorney about your family dynamics and get their opinion about what would be best in your personal situation.

Reference: nj.com (May 22, 2019) “I’m planning my will. Is it bad to have more than one executor?”

Sims & Campbell, LLC – Annapolis and Towson Estate Planning Attorneys 

Retirement Account Millionaires are Back – Annapolis and Towson Estate Planning

They are the triathletes of retirement savers — people who have saved and invested their way into having millions in their workplace retirement accounts. Their numbers may be small, and in some cases, their earnings aren’t that big, but their retirement accounts are giant-sized.

As reported in the Washington Post article, “Want to be a 401(k) millionaire? Here’s what it takes,” the number of retirement account millionaires sank a little in the volatile markets of year-end 2018. Fidelity Investments reported that for the fourth quarter of 2018, there was a 28.6 percent drop in the number of 401(k) millionaires in its plans. However, they’ve come back.

The company, the largest administrator of workplace retirement accounts, reported that the number of people with $1 million or more in their 401(k) plans increased to 180,000 in the first quarter of 2019, up from 133,800 reported in the last quarter of 2018.

You don’t have to have your retirement account with Fidelity to join the ranks of retirement account millionaires, but there are some investment practices to learn from them.

The power of time. These people started saving early in their careers, most of them for at least 30 years. They also aren’t earning six-figure incomes. It helps if you contribute as much as the IRS allows. The maximum amount of money workers may contribute during 2019 is $19,000. The 50-and-older set can contribute an additional $6,000.

Steady as she goes. Consistency is key. These millionaires continued to save, even as they purchased homes and raised children. They contributed at least 15 percent to their plan. That may be a combination of what they are putting in and an employee match, but that seems to be a key number. If your employer offers a “automatic increase” where your percentage increases every year, sign up for it.

Always make the match. Don’t leave free money on the table. If there’s a company match, 401(k) millionaires take full advantage, always contributing enough to get the match.

Go for the long run. That means taking some risk. Most of these 401(k) millionaires invest in equity mutual funds. They understand that one of the biggest risks to their retirement savings is inflation.

Stay calm and keep saving. The retirement account millionaires don’t panic when markets get volatile. They also don’t let falling stock prices deter them from buying equities. Instead, they see tumbling markets like a sale: an opportunity to buy at a lower price.

Can’t imagine yourself taking these steps or think it’s too late? Don’t give up! Remember, to be a triathlete, you have to push yourself past your physical limits. The same is true if you want to become a 401(k) millionaire. You’ve got to push yourself to save more and don’t fear the stock market.

Reference: Washington Post (May 20, 2019) “Want to be a 401(k) millionaire? Here’s what it takes.”

Sims & Campbell, LLC – Annapolis and Towson Estate Planning Attorneys 

Planning for Digital Assets as Part of Estate Planning – Annapolis and Towson Estate Planning

As technology continues to advance and we are increasingly living more of our lives online, it’s time to think about what our digital legacy will be, says The Scotsman in the article “The ghost in the machine—what will happen to online you after death?” In our increasingly digital world, we’ve shared the news almost immediately when a celebrity dies, grieved when our online friends die and been touched by stories of people online who we have never met in RL — Real Life.

Most of us have digital assets and online accounts. It’s time to think about what will happen to them when we die.

Estate planning attorneys are now talking with clients about their digital assets and leaving specific instructions about what to do with these online accounts and social media after they pass.

There’s a trend of creating video messages to loved ones and posting them online for the family to see after they pass. Facebook has a feature that allows the page owner to set a legacy contact to manage the account after the account owner has died. Other technologies are emerging to allow you to gather your digital assets and assign an individual or individuals to manage them after you die.

It is now just as important to think about what you want to happen to your digital assets as it is to your tangible, earth-bound assets when you die. What’s also important: considering what you want to happen to your data, how accessible and enduring you want it to be and how it will be protected.

People in their older years have seen amazing leaps and changes in technologies. We’ve moved from transistor radios to VHS to DVD to Blu-Ray. We’ve gone from land line home phones to smart phones that have the same computing power or more than a desktop. The first social media site was launched in 1997 and websites like Myspace have come and gone.

Will the current websites and software still be available and commonly used in five, ten, fifty, or one hundred years? It’s impossible to know what the world will look like then. However, unless a plan is made for digital legacies, it’s unlikely that your digital legacy will be accessible to others in the near and far future.

Here’s the problem: even if your executor does succeed in memorializing your Facebook page, will there be things on the page that you don’t want anyone to see after you’ve gone? There’s a wealth of data on social media to sift through, including items you may not want to be part of your digital legacy.

Consider the comparison to people who lived during previous ages. We may not be able to see their lives online, but they have left behind physical artifacts—letters, diaries, photographs—that we can hold in our hands and that tell us their stories. These artifacts will survive through the generations.

A digital estate plan can ensure that your data is managed by someone you trust. Talk with your estate planning attorney to learn how to put such a plan in place, when you are creating your legacy. Your last will and testament is a starting point in today’s digital world.

Reference: The Scotsman (May 16, 2019) “The ghost in the machine—what will happen to online you after death?”

Sims & Campbell, LLC – Annapolis and Towson Estate Planning Attorneys 

Will Contests May Be Rare, but They Do Happen – Annapolis and Towson Estate Planning

In an ideal world, wills and estate plans are created when people are of sound mind and body, just as the familiar legal phrase describes. The best way to avoid a will contest is to have a well-written will, prepared by a qualified estate planning attorney who can help avoid legal contest. However, there are times when this is not the case, says The Huntsville Item in the article “Legal Corner: Will contests while rare are messy.”

A will is contested, when the person challenging the will believes that it does not represent the true intent of the testator to pass the estate to the people he wanted.

A will must be written in the correct form and executed according to the law in order to be valid. This is why it is necessary to work with an estate planning attorney to create a will. A person may try to do it on their own, typing it out, downloading a form or copying a form, but because the law is very strict about the form and execution, many of these do-it-yourself wills end up being deemed invalid by the courts.

When the will is not valid, the laws of intestacy are applied to the person’s estate. This is rarely in accordance with the person’s wishes, but at this point, it’s too late.

To make a will, the person must have “testamentary capacity.” That means that he or she knows what they are doing, what their estate includes and who the recipients of the estate will be. They also must not have been subject to undue influence. That means that the person making the will is so controlled and dominated by another person, that they were not able to make the will that they wanted.

When the sad day comes that a loved one passes, the family grieves. Each member will deal with the loss in their own way. For some people, the intense level of emotions can bring about conflicts. Sometimes these are the result of old battles that were never resolved. Sibling rivalry that’s been simmering for decades can emerge.

One of the goals of a properly prepared will, is to prevent any family fights after a loved one has passed.

Studies have found that the struggle over mom’s necklace or dad’s watch are not about the material items themselves, but over the symbolic meaning of those items. When families fight over inheritances, it’s rarely because of the actual item or even the money.

As the family’s older member, you want to do anything you can to avoid fracturing the family after you’ve gone.

Unless you take the steps to create a will and a strong estate plan, your loved ones could be entrenched in a long inheritance conflict that lasts years and consumes more resources than anyone can spare.  However, with careful planning, you can avoid inheritance conflicts. After all, estate planning is more for those you love than for you.

Rely on the skill and knowledge of an experienced estate planning attorney and leave your family intact.

Reference: The Huntsville Item (May 26, 2019) “Legal Corner: Will contests while rare are messy”

Sims & Campbell, LLC – Annapolis and Towson Estate Planning Attorneys 

Financial Scams Targeting Seniors: How To Protect Yourself – Annapolis and Towson Estate Planning

It’s scary to think about. A time in life when people have the most assets under their care, is also the time that aging begins to take its toll on their bodies and their cognitive abilities. The legions of individuals actively preying on seniors to take advantage of them seems to be growing exponentially. What can you do?

Marketplace offers tips on how to best protect yourself and loved ones from scammers in its article “Concerned about financial scams? Here’s your guide.”

Stay in touch with family members, especially if they have lost loved ones to death or divorce. Isolation makes seniors vulnerable to scammers.

Try not to be judgmental and be empathetic if someone reveals that they have been scammed. Seniors who have been scammed are embarrassed and fearful.

Talk about the scams that you have heard about with loved ones. They may not know about the scams, and this may give them better awareness when the call comes.

If anyone in the family calls with an urgent request for money—often about a grandchild who is in trouble overseas or a fee for a prize that needs to be claimed immediately—pause and tell them that you need time to consider it.

Don’t send or wire money to anyone you don’t know. Gift cards from retailers, Google Play, iTunes or Amazon gift cards are often used by scammers to set up fraudulent transactions.

Once one scammer has nailed down contact information for a victim, they are more likely to be contacted by other scammers. If a loved one is getting calls at all hours of the day, they may be on a list of scam prospects. Consider changing the number, even though that is a hassle. The same goes for email addresses.

You can prevent scams by talking with people you trust about your financial goals. Talk with an estate planning attorney about creating an advance medical directive and medical power of attorney, then do the same for finances. A power of attorney for your finances allow someone who you know and trust to make financial decisions for you, if you become incapacitated, by illness or injury.

There are different powers of attorney:

General: A designated person can control parts of your financial life. When you return to normal functioning, the power of attorney ends.

Durable: This power of attorney remains in effect, if you become incapacitated.

Springing: This power of attorney is triggered by a life event, like the onset of dementia, an accident or disease, makes you mentally diminished or incapacitated. Certain states do not permit this type of power of attorney, so check with your estate planning attorney.

Reference: Marketplace (May 16, 2019) “Concerned about financial scams? Here’s your guide”

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Even a Late Start toward Retirement is Better than None at All – Annapolis and Towson Estate Planning

There are also people who wait until they become senior citizens to begin planning for retirement. That’s a little on the late side, but the important thing, says the article “Retirement Planning: Start now to help Social Security, Medicare” from Martinsville Bulletin, is to get started. That’s better than doing nothing.

It’s easier if you start earlier. Let’s consider the high school student who diligently puts away 10% of a $7.25 per hour gross minimum wage earning for a year on an average 20-hour work week. That’s $750 into a retirement plan after one year. If that student never went to college, never learned a trade, got a raise or a promotion, they would still have $34,600 in personal savings in 46 years. It’s not a lot, as retirement savings go, but it’s better than nothing.

If the same high school student put those savings into an Individual Retirement Account (IRA), more would have been saved. The more time your money has to grow through compounding, the more money you’ll have.

Saving a little money every month could make a big difference later on. This year, the average monthly Social Security benefit rounds out at about $1,460 per person, calculated by combining a worker’s highest paid years in the workplace. That’s not enough for retirement. The answer? Start saving early.

It is not as easy to build a nest egg in a few years, but it’s possible.

Many people don’t wake up to the reality of retirement, until they reach age 62. There’s still time to plan. They can put money into IRA accounts, and at age 62 they can save as much as $7,000. Those IRA contributions count as tax deductions.

Roth IRAs are a little more flexible, but there are no tax deductions with contributions. On the plus side, when money is withdrawn, you’re not paying taxes on the withdrawals.

Another important planning point for seniors: if you’ve had health issues, it’s a good idea to keep working to maintain your employee health insurance. The healthier you are, the lower your health insurance costs will be during retirement. However, health costs do tend to increase with age, so that has to be factored into your retirement planning.

For people who take a lot of medication to control chronic conditions, they’ll need to look into health insurance outside of the workplace. That usually means Medicare. Most seniors are eligible for free Medicare hospital insurance, which is Part A of a four-part option, if they have worked and paid Medicare taxes.

Part A helps pay for inpatient care in a hospital or skilled nursing facility after a hospital stay, some home health care and hospice care. Part B helps to pay for doctors and a variety of other services. Part C allows HMO, PPO and other health care organizations to offer health insurance plans for Medicare beneficiaries. Part D provides prescription drug benefits through private insurance companies.

The Social Security Administration advises people to apply for Medicare three months before they celebrate their 65th birthday, regardless of whether they plan to start receiving retirement benefits right away.

Whether you’re 26 or 56, you need to plan for retirement. You also need to have an estate plan, and that means making the time to meet with an experienced estate planning professional to discuss your life and your retirement plans. You’ll need their guidance to create a will and other documents.

Advance planning will always be better than waiting until the last minute, for retirement and estate planning.

Reference: Martinsville Bulletin (May 17, 2019) “Retirement Planning: Start now to help Social Security, Medicare”

Sims & Campbell, LLC – Annapolis and Towson Estate Planning Attorneys