DC Estate Tax
~$4.7M Exemption
DC-domiciled estates over the exemption face a separate state-level tax — coordinated trust planning preserves the exemption and avoids accidental triggering.
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Coordinated Wealth Planning For Washington, DC.
DC's 10.75% top income-tax rate, separate estate tax, federal-employee density, and real-estate concentration make coordinated planning more consequential here than national averages would suggest.
Why DC Households Need Coordinated Planning
Washington DC is its own tax jurisdiction — a graduated income tax up to 10.75% on income above $1M, a separate estate tax (~$4.7M exemption), and a deeds-and-recordation regime that makes real-estate transfers expensive. Layer in federal income, capital-gains, and estate tax — plus the DC concentration of federal employees, lobbyists, association executives, law-firm partners, and inherited-wealth families — and coordination quietly becomes the largest lever in the after-tax outcome.
Vickers Financial Group is a fiduciary planning firm headquartered just outside DC in Bowie, MD. We coordinate investments, tax, estate, retirement, and asset protection under one plan, tailored to DC's specific tax and real-estate structure.
Who It's For
Who We Work With In Washington, DC
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DC households with $1M–$25M in assets and complex income (W-2 + K-1 + investments)
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Federal employees and political appointees coordinating TSP, deferred-comp, and pension
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Law-firm partners and association executives with deferred compensation
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Lobbyists, consultants, and contractor executives with concentrated equity
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DC real-estate-heavy families with primary + rental + inherited properties
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Multi-generational DC families navigating DC estate tax and family transfers
The Coordinated Approach
DC-Specific Coordination
The seams that matter most for DC households are different from suburban MD or VA — different rates, different exemptions, different real-estate dynamics.
DC 10.75% Top Rate
High-Income Timing
Deferred-comp election, Roth conversion timing, and bonus timing all matter more at DC's top bracket than MD or VA equivalents.
Partner / K-1 Income
Quarterly Estimates
Law-firm and association partner income coordinated with personal cash-flow, retirement contributions, and capital calls.
Real Estate Concentration
Title + Recordation
Primary + rental + inherited DC properties planned together — including DC's 1.45% recordation/transfer tax on most transfers.
Federal Sector Planning
TSP + Pension
TSP, FERS, deferred-comp, and Social Security coordinated for federal employees and political appointees throughout DC.
Charitable Giving
DAFs + CRTs
DC-domiciled donors often have meaningful charitable interests — DAFs, CRTs, and bunching strategies coordinated with the tax plan.
Our Process
Working With Us From DC
1
30-Minute Call
By video or at our Bowie office — no cost, no obligation.
2
DC-Specific Document Review
DC and federal returns, estate documents, property records, employment-comp documents.
3
Coordinated Plan
A written plan that names DC estate, DC income, and federal exposure separately.
4
Implement + Review
Coordinated with your DC attorney and CPA, 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 The District
We serve clients across Washington DC — including Northwest DC, Capitol Hill, Georgetown, Dupont Circle, Foxhall, Kalorama, and Upper Northwest — from our Bowie, MD office, with most meetings by video and occasional in- person sessions.
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.
DC Planning, Built For DC Tax Reality.
Schedule a 30-minute strategy session. We'll review what's in place and surface the highest-impact DC-specific moves.