MD Estate Tax
$5M Exemption
Married couples can preserve both MD exemptions with proper credit-shelter or QTIP planning — doubling protection to $10M before MD estate tax.
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Coordinated Wealth Planning, Built For Maryland.
Maryland's decoupled estate tax, inheritance tax, county piggyback income tax, and high concentration of federal-employee and physician households make coordinated planning more valuable here than in most states.
Why Maryland Households Need Coordinated Planning
Maryland's tax landscape is unusually layered. A Maryland household pays state income tax up to 5.75%, a county piggyback tax of 2.25%–3.2%, a state estate tax with a $5M exemption (decoupled from federal), and — in some cases — an inheritance tax on non-lineal heirs. Layer in the federal estate tax, capital-gains tax, and Medicare surtaxes, and the after-tax outcome for a Maryland affluent household can swing seven figures based on coordination alone.
Vickers Financial Group is a Maryland-headquartered fiduciary firm (based in Bowie, Prince George's County) that coordinates investment management, tax planning, estate planning, retirement income, and asset protection under one plan — the way Maryland's tax structure actually requires.
Who It's For
Who We Work With In Maryland
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Affluent Maryland households with $1M–$25M in net worth and complex returns
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Federal employees and contractors throughout the DMV coordinating TSP, FERS, and Social Security
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Maryland business owners coordinating S-corp / LLC tax with personal wealth
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Physicians, dentists, and practice owners with practice + personal coordination needs
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Multi-generational families navigating Maryland estate + inheritance tax
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Trustees administering Maryland trusts under the Maryland Trust Act
The Coordinated Approach
Maryland-Specific Planning Disciplines, Coordinated
Generic national planning advice misses Maryland-specific seams. Here are the disciplines we coordinate that look different here than in zero-tax states.
MD Inheritance Tax
Non-Lineal Heirs
10% MD inheritance tax applies to non-spouse, non-descendant heirs. Coordinated planning routes assets to minimize exposure.
County Piggyback
Income Tax
Montgomery, PG, and Howard counties stack 3.2% on top of state — Roth conversion, deferred-comp, and exercise timing all matter.
Federal Employee Planning
TSP + FERS
TSP rollover-out vs leave-in, FERS supplement, FEHB into Medicare, and survivor election decisions coordinated as one plan.
MD Trust Administration
Maryland Trust Act
Trustee duties, accountings, principal/income, and decanting under MD law — coordinated with the family's tax and investment strategy.
Capital Gains Timing
State + Federal
Maryland taxes gains at ordinary rates. Asset location, loss harvesting, and gain timing have outsized impact here.
Our Process
Our Maryland Engagement Process
1
Discovery Call
30-minute, no-cost conversation. We confirm fit and discuss the situation.
2
Document Review
Maryland and federal tax returns, estate documents, county tax bills, beneficiary forms, business documents.
3
Maryland-Specific Plan
A written plan that names MD estate, MD income, and county piggyback impact — not generic advice.
4
Coordinate + Review
Implemented with your existing CPA and MD attorney; reviewed on a recurring schedule.
Free Guide
The Coordinated Wealth Blueprint
7 costly financial planning mistakes affluent families make — covering tax planning, estate planning, retirement, asset protection, trusts, business succession, and generational wealth transfer.
Serving the DMV & Nationwide
Serving Households Across Maryland
Our office is in Bowie, MD, and we work regularly with clients across Prince George's, Anne Arundel, Howard, Montgomery, Baltimore, Charles, Calvert, and Frederick counties. For clients outside drive distance we serve fully virtually — coordinated planning does not require a conference room.
Frequently Asked Questions
Coordinated Wealth Planning, — Common Questions
Coordinated Disciplines
Related Planning Areas
The Legacy Wealth Brief
One high-impact wealth strategy, delivered every week.
Insights on tax planning, estate planning, retirement income, business ownership, and generational wealth.
Maryland Planning, Built Around Maryland Tax Reality.
Schedule a 30-minute strategy session. We'll review what's in place and surface the highest-impact MD-specific moves.