WNAV

19/06/2024

Donate to help Sinclair Prosser Gasior acheive their goal to help End Alzhiemer's!

The Walk to End Alzheimer's is the world's largest event to fight Alzheimer's. Join now and help raise awareness and funds for care, support and research.

19/06/2024

Introduction to Advanced Estate Planning tools

As estate planners most of our client meetings discuss traditional estate planning tools and strategies such as powers of attorney, wills and revocable trusts. These are great tools for many families. However, we have different tools to use when there are additional concerns and more advanced planning techniques needed. Most advanced estate planning tools are used when we are working with clients with taxable estates. In 2024, your estate is taxable if you have over $5 million in assets in Maryland and if you have over $13,610,000 million at the federal level. The strategies here often revolve around getting assets out of a person’s estate during their lifetime so that the asset is not counted when calculating their estate’s tax liability. Here are some of the most common ways we do that.
1) ILIT – An irrevocable life insurance trust is an extremely effective tool and one of the go-to options for advanced planning to be able to remove life insurance proceeds out of the estate tax calculation.
2) SLAT —a spousal lifetime access trust allows us to transfer assets to a spouse to take advantage of these really high exemption amounts during lifetime.
3) QPRT -a qualified personal residence trust is an irrevocable trust that allows the creator to remove their personal residence out of their estate for estate tax purposes
4) Charitable trusts — Charitable trusts allow the creator to make charitable contributions during lifetime to reduce their estate tax liability while maintain some benefit over the assets during lifetime
5) Special Needs Trusts — these are trusts designed to protect those with disabilities and maintain eligibility for government benefits
6) Medicaid Protection Trusts — these allow for protection of assets from being available in the event the trust creator needs Medicaid nursing home coverage
These examples are just some of the primary tools we use as estate attorneys to provide more advanced planning strategies for you. If you are interested in learning more about advanced planning strategies contact us at Sinclair Prosser Gasior to see if they are right for you.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

11/06/2024

Did you know everyone over the age of eighteen needs an estate plan?

Your estate is everything you own at the time of your passing such as real estate, cash accounts, retirement investments, life insurance, cars, and personal possessions. Estate planning is the process of
putting your wishes in writing about how you would like these assets managed and distributed, as well as your healthcare decisions upon your incapacity and passing. People often avoid estate planning until it is too late leading to guardianship during life or the time consuming probate process upon death. Here are five common excuses you need to stop making today:
“I will do it later.”
"It's too complicated."
“I do not have enough assets.''
"I don't have a family.”
"I already have a Will."
If estate planning has been on your agenda for a while, it is time to move it to your To Do List.
Overcoming these common excuses and executing a plan will give you peace of mind knowing you and your loved ones are protected.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

04/06/2024

What Do Each of My Estate Documents Do? And When Do I Use Them?

Occasionally, as time passes, you may have forgotten or become confused as to what each estate planning document you put in place does and when you use it. Let’s review how each of your documents support you during your life and after your death.
The documents that support you during your life are your financial power of attorney, health care power of attorney, HIPAA authorization, and living will.
The document that supports you during both your life and upon your death is your revocable living trust. When you created your trust you re-titled certain assets and accounts into the name of your trust, thereby funding your trust. Your trust assists you in avoiding public, costly, and time consuming court proceedings during your life and probate after your death. Upon your death the terms of your trust will ensure your assets go to the beneficiaries you name in your trust document without going through probate.
The document that supports you following your death is your last will and testament. This document provides instructions to the probate court as to what you want to have happen to your assets when you die and who you want in charge of making that happen. Even if you have your trust in place, you still have a will. It is a special kind of will called a pour-over will. The only beneficiary of your pour-over will is your trust, making sure that just in case you have an asset that is not re-titled into the name of your trust or does not have a designated beneficiary, that asset will be caught by the pour-over will, poured into your trust, and that asset will be distributed to the beneficiaries you have named in your trust.
We hope this is a helpful reminder of the estate planning documents you have in place. If you are a client of Sinclair Prosser Gasior, and you would like a more detailed review of your documents, please call us to set up your recommended client review. If you are not a current client of Sinclair Prosser Gasior, and you find yourself in need of putting your estate plan in place, please call our office to attend one of our educational seminars or webinars or to schedule an estate planning consultation to put your plan in place.
Call Sinclair Prosser Gasior at 410-573-4818 or visit spgasior.com for more information.

29/05/2024

When to file with the Register of Wills

The process of estate planning often involves navigating a myriad of decisions and processes and one of the misconceptions is that filing your will with the Register of Wills during your lifetime is a necessary step. Contrary to what some may believe, there is no legal obligation to file your will yourself before you bid farewell to this mortal coil.
In Maryland, there is an option to file your will with the Register of Wills for safekeeping, but this is not compulsory.
Typically, your last will and testament outlines the distribution of your assets that must pass through probate. These assets are anything that is solely titled and does not have a named beneficiary. Assets that are not solely titled, such as assets titled in a trust, do not have to go through probate, and therefore, are not controlled by your will. Everyone should have a will, even if they employ other estate planning strategies like trusts.
In conclusion, you do not have to file your will with the register of wills, but your personal representative will need to file your will upon your passing. It is important that your personal representative knows where to find and how to access your original estate planning documents. As you navigate the complexities of estate planning, remember that your personal representative will play a pivotal role in ensuring your will is filed and administered according to your intentions.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

27/05/2024

Please be advised the Annapolis Memorial Day Parade has been canceled due to threat of severe weather. Be safe in whatever way you choose to celebrate the holiday.

24/05/2024

The Maryland Department of Transportation wants to make sure you get to the beach safely.

The best times to travel across the Bay Bridge this weekend include:
Eastbound
• Thursday, May 23 – before 10 a.m. and after 10 p.m.
• Friday, May 24 – before 8 a.m. and after 10 p.m.
• Saturday, May 25 – before 7 a.m. and after 4 p.m.
• Sunday, May 26 – before 10 a.m. and after 5 p.m.
• Memorial Day Monday, May 27 – before 10 a.m. and after 5 p.m.
• Tuesday, May 28 – before 7 a.m. and after 7 p.m.

Westbound
• Thursday, May 23 – before 11 a.m. and after 8 p.m.
• Friday, May 24 – before 8 a.m. and after 8 p.m.
• Saturday, May 25 – before 11 a.m. and after 5 p.m.
• Sunday, May 26 – before 11 a.m. and after 5 p.m.
• Memorial Day Monday, May 27 – before 9 a.m. and after 10 p.m.
• Tuesday, May 28 – before 6 a.m. and after 6 p.m.

24/05/2024

USNA Graduation Schedule
Graduation Day- Friday May 24, 2024
6:30 a.m. Parking Gates Open, Navy-Marine Corps Memorial Stadium.
7 a.m. Stadium Gates and Concessions Open to Guests, Navy-Marine Corps Memorial Stadium,
9 a.m. Graduate & Faculty Procession, Navy-Marine Corps Memorial Stadium,
Tickets required.
10 a.m. Class of 2024 Graduation Ceremony, Navy-Marine Corps Memorial Stadium (weather alt. Alumni Hall for those with Indoor Graduation tickets only), Informal, Tickets required.
10:04 a.m. Blue Angels Graduation Fly-Over, Navy-Marine Corps Memorial Stadium
1 - 2:30 p.m. Graduation Photos & Swearing-In Ceremony, Navy-Marine Corps Memorial Stadium, 2024,
1 p.m. Inter-Service Commissioning Ceremonies in the N* Room

Congratulations Graduates!

22/05/2024

For your safety, please heed roadway and waterway advisories for the Blue Angels Flight Demonstration this afternoon.

✈️ The U.S. Navy Blue Angels will perform their official flight demonstration over the Severn River today at 2 p.m.!

🚗 BLUE ANGELS ROAD AND BRIDGE CLOSURES WEDNESDAY, MAY 22:🚨

The Naval Academy Bridge (Md. Rt. 450) will be closed to all vehicular and pedestrian traffic at the times listed below. Vehicles entering and leaving Annapolis should use Rowe Boulevard or other alternate routes.

⚠️WEDNESDAY, May 22: closed 1:45 p.m.- 4 p.m. or conclusion of flight demonstration.

⚠️*** In the event of inclement weather Tuesday, May 21, the Naval Academy Bridge (Md. Rt. 450) will also close from 10:45 a.m. until 1:00 p.m., Wednesday, May 22.
Tuesday and Wednesday, Gate 8 will remain open to staff, faculty, residents, and high priority case-by-case delivery vehicular traffic.

⛵️The Severn River will also be closed to boating and other watercraft from the USNA Route 450 bridge to spa creek. Call the U.S. Coast Guard at 410-576-2693 for further details.

22/05/2024

The Blues fly Wednesday at 2pm!

22/05/2024

Maryland Estate and Inheritance Taxes

Maryland has its own estate tax separate from the federal estate tax. To calculate whether or not your estate will owe a Maryland estate tax, you need to determine the fair market value of your assets, subtract the debt, and then if your net estate exceeds the exemption amount during the year of death, your estate will owe a Maryland estate tax. For 2024, Maryland’s estate tax caps at Five Million ($5.0M).
In April 2018, Maryland enacted legislation that set the Maryland estate tax exemption at $5 million for decedents who die on or after January 1, 2019. Under prior law, the Maryland estate tax exemption was scheduled to equal the federal estate tax exemption by 2019.
The new Maryland exemption will not be adjusted for inflation in future years unlike the federal estate tax exemption. The maximum Maryland estate tax rate of 16 percent is unchanged by the new law.
Maryland is the only state which collects both a state estate tax and a state inheritance tax. The new law did not make any changes to the inheritance tax. An inheritance tax is based on the relationship that you have with the person whom you are leaving money. There are many exemptions to the inheritance tax. For instance, the following individuals will not have to pay an inheritance tax: children including stepchildren, grandchildren, parent or step parent, sibling, and a spouse. The law also exempts a spouse of a child or grandchild or other lineal descendent. So who does have to pay a tax? Nieces, nephews and non- family members are the individuals that pay the tax most frequently.
The Maryland inheritance tax is roughly ten percent and is collected by the Register of Wills located in the county where the decedent either lived or owned real property.
A qualified estate planning attorney can meet with you to discuss whether your estate is subject to the state estate tax or the state inheritance tax and any planning opportunities that may be available to you.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

15/05/2024

Walk for the Animals this Sunday!

15/05/2024

Join us for a fun challenge at the "Copper the Bloodhound's K9 Miler Ruck/Hike" on Saturday, June 1, 2024, in Annapolis, MD!
This event, benefitting the Chesapeake K9 Fund, is a unique way to explore Maryland's Capital with a weighted ruck or just by hiking.
Plan your route, hit the waypoints, and enjoy the sights over a minimum of 9 miles.
No PT sessions, just teamwork and determination.
Event Details:
Date: June 1, 2024
Location: Annapolis, MD
Activities: Rucking or Hiking
Entry Fee: $26 per person (Rucking with weight based on your own; Hiking without weight)
Team Registration: Available for gyms at $121 + $26 per team member. Teams must finish together.
After Party: Heroes Pub with family-friendly activities, giveaways, and more.
Recommended Gear:
Reflective bands
First aid kit
$20 cash
A positive attitude!
All proceeds go to the Chesapeake K9 Fund to support first responder K9 units. Participants receive a Ruck Patch, and there's plenty of fun to be had with giveaways, raffles, and silent auctions. HUge shout out to our Anchor Sponsors , Bennett Defense & Journal Joy Bookkeeping Solutions, and see you there!
Race Website
Race information can be found at https://chesapeakek9fund.org/.
Place
301 Rowe Blvd.
Annapolis, MD US 21401

15/05/2024

Join the Chesapeake Youth Symphony Orchestra this Sunday, May 19th, when they'll be holding their season finale concerts at Severna Park High School.
The afternoon concert at 2 PM will feature an array of our talented ensembles, including the Preparatory Orchestra, String Orchestra, Wind Ensemble, Junior Flute Ensemble, Concert Orchestra, and Jazz Ensemble.
Then, at 7 PM, prepare to be entertained by the Senior Flute Ensemble, Chamber Orchestra, and Symphony Orchestra, who will join forces with the Annapolis Chorale and The Ballet Theater of Maryland for an extraordinary performance.
Both concerts are free and open to the public!

At the heart of CYSO's mission lies a deep commitment to spotlighting the incredible talents of our students, and this Sunday's season finale concerts promise to be no exception. We're thrilled to announce that our concerto competition winners will be taking center stage, each delivering a performance that promises to captivate audiences. Join us at the 2 PM concert as Charlie Cook astounds with Concerto No. 3 for Violin and String Orchestra by Friedrich Seitz alongside the Concert Orchestra, and at the 7 PM concert, Collin Kassal will delight the crowd with the 1st movement from Haydn's Cello Concerto, accompanied by the Chamber Orchestra. Additionally, at the 7 PM concert, Rachel Lee will grace us with her rendition of the 1st movement from Edward Lalo's Symphonie Espagnole accompanied by the Symphony Orchestra.
As if that weren't enough excitement, we'll also be hosting a special auction during the season finale concerts, offering two custom engraved flutes and one custom engraved piccolo flute. Don't miss this opportunity to bid and own a unique piece of musical craftsmanship!
And for those who haven't signed up to audition for next season, now's the time! We have incredible plans in store and we want everyone to be a part of the joy of making music together. For more information or to sign up and schedule an audition please contact CYSO.

15/05/2024

What is an ILIT and do I need one?

An ILIT stands for an Irrevocable Life Insurance Trust and can be an important part of a comprehensive estate plan for many people.
An ILIT is a trust created during an insured’s lifetime that owns and controls a term or whole life insurance policy. The trust will also manage and control the distribution of the proceeds that are paid out upon the insured’s death.
One of the biggest reasons ILITs are utilized is to minimize estate tax. If you are the owner and insured of a life insurance policy then the death benefit of the life insurance will be included in your gross estate which is used to calculate any state or federal estate taxes that may be due at the time of your death. Conversely, life insurance owned by an ILIT will remove the death benefit from your gross estate and therefore is not subject to state and federal estate taxation.
A properly drafted ILIT will also avoid gift tax consequences since contributions by the grantor are considered gifts to the beneficiaries.
The ILIT will also allow you to control how the proceeds from the life insurance will be distributed to your beneficiaries. While an ILIT can provide significant benefits to your estate and tax planning, it is important to be aware that any policy being transferred that has a large accumulated cash value will result in a gift at the initial time the trust is funded. Any gift made above the annual gift tax exemption will require a gift tax return filed with the IRS.
The attorneys at Sinclair Prosser Gasior can discuss this with you as well as prepare any gift tax return that may be required.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

09/05/2024

Should My Decision Makers Be Consistent Throughout My Estate Plan?
When we create your estate plan, you need to identify who “the decision makers” will be in the event you are incapacitated or have passed away. These include health care and financial decisions, guardians for minor children, and executors and trustees. Since each of these titles serve a distinct role, should they all be the same person?
You can typically break decision makers into two categories: health care and financial.
The following roles fall into those categories:
1) Health Care Power of Attorney Agent
2) HIPAA Representative
3) Financial Power of Attorney Agent
4) Executor/Personal Representative
5) Trustee
6) Guardian of minor children

Should the same person fill all of these roles? There are a number of factors to consider.
1) The geographic location of a person. This matters far more for health care decisions and guardians than it does for financial matters which could be managed from afar.
2) The individual’s skill set. Are they a nurse? A CPA? A school teacher?
3) Are they financially irresponsible or unreliable?

These are all considerations as to what role they should fill. There are also reasons why having people occupy different roles can be problematic. What if the Health Care Agent wants to spend an exorbitant amount of money on care, but the Financial Power of Attorney and Trustee do not agree? What if the Financial Power of Attorney and Trustee are not the same, so they are separately managing different financial assets that would be more efficiently done as one?
As you can see, carefully selecting your Decision Makers is an important consideration and you should always consult with an experienced estate planning attorney.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

02/05/2024

Tides & Tunes are Back! Beginning June 13 @ 7:00 pm - 9:00 pm

It's Summer Concert #1 – Michael McHenry Tribe
The Tides & Tunes Summer Concert Series kicks off with Soulful, Psychedelic, Funk-Rock Music of the Michael McHenry Tribe. The Tides & Tunes Summer Concert Series located at the Museum’s waterfront McNasby campus (723 Second St., Annapolis) offers 10 weeks of popular music–from rock to folk to blues–with the incomparable backdrop of the Chesapeake Bay. …

02/05/2024

What Women Need to Know about Estate Planning

Despite progress, women still face unique challenges that can impact estate planning. Longer life expectancies, career interruptions due to caregiving responsibilities and the gender
pay gap are factors that can affect the accumulation of wealth for women. Additionally, divorce and remarriage may introduce complexities in financial arrangements making comprehensive
estate planning even more critical. What can women do to ensure their affairs are in order for an easy passing to their loved ones?
1. A large part of estate planning is financial education. Understanding your assets, investment strategies and tax implications will allow you to make informed choices that
align with your goals.
2. Have open communication with family members about your goals, intentions, distributions and the appointment of responsible fiduciaries to help avoid conflicts.
3. Establish a Trust as part of your estate plan. Unlike a Last Will and Testament, a Trust privately distribute assets and protects the financial well-being of beneficiaries.
4. Review your plan every three to five years or upon important milestones.
Estate planning is a powerful tool for women to assert control over their financial future and leave a lasting legacy. By addressing the unique challenges women may face and adopting empowering strategies, women can ensure that their wealth is preserved and distributed according to their wishes. As society continues to evolve, recognizing the importance of gender-inclusive estate planning is crucial for fostering financial empowerment and equality.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

27/04/2024

Kent Island Day ’24 is Saturday, May 18, in Historic Stevensville

Each year on the third Saturday in May the Kent Island Heritage Society celebrates the heritage, life, and culture of Kent Island. The celebration this year will be on Saturday, May 18. The Kent Island Day tradition began in 1977 with the signing of a proclamation by Acting Governor Blair Lee, recognizing Kent Island as the first permanent English settlement within Maryland.
The family friendly community festival takes place in one of Kent Island’s oldest and most picturesque communities, the “Mayberry-like” village of Historic Stevensville, listed on the National Register of Historic Places, and an official Maryland Arts and Entertainment District. It will feature the Heritage Society’s Historic sites, all of which will be opened with period docents, a working blacksmith, local authors, artists, vendors, great local food, kids’ activities, an old fashioned parade, and great on-stage entertainment.
The opening ceremony will be at 10:15 a.m. with the National Anthem, salute to the flag, and a reading of the original Kent Island Day Proclamation.
The parade will step out at Kent Island Elementary School at 10:30 and will flow down Main Street through downtown Stevensville. “The parade will feature a great hometown mix of old cars and tractors, boats, historic costumes, music, scouts, civic groups, horses, fire engines, elected officials, and candidates”, said Jack Broderick, Kent Island Heritage Society President and KI Day Parade Chair. “There’s always room in the parade, so if you want to be part of it, give us a call”.
There will be an expanded food court area featuring local specialties, a large area of plants and gardening information, next to the Historic Cray House, including plants and displays by The Kent Island Garden Club. Military reenactors, the Maryland Independent Blues and the Fort McHenry Guards, will be encamped at the Cray House which dates to the time period those units represent. A model train display will be set up next to the Historic Train Station. Kid’s activities will include a moon bounce, crafts, and face painting. A mini Kent Island Farmers’ Market will be set up on the Green with information and samples from this unique weekly Farmers’ Market.
Entertainment will begin at 11:30 on stage in the Stevensville Pocket Park next to the Historic Bank and continue throughout the day. The entertainment will include The Chesapeake Bay Community Band and special local guest entertainers.
Kent Island Day offers an informative and entertaining day for the whole family, spiced with good food, fun, and friendship, celebrating Kent Island’s heritage.
For more information on Kent Island Day, visit the Heritage Society’s website at kentislandheritagesociety.org.

22/04/2024

Lifetime Charitable Giving in Line with Your Estate Plan
Clients are often curious about the “best” way to donate to charitable organizations during their lifetime. While there is no wrong way to donate, there are a few options for charitable giving that can help minimize income taxes or even reduce the value of your estate to avoid estate taxes, while also accomplishing your charitable goals. These are in addition to the straight forward process of donating to a charity and getting an income tax deduction. 1. Qualified Charitable Distributions The first option is to make qualified charitable distributions, or QCDs. This option is available to you if you are an IRA owner aged 70 or older. The IRS allows you to transfer up to $100,000 to charity per year through QCDs. These distributions count towards your required minimum distributions (RMDs) for the year. Therefore, you would not need to pay income tax on the money that is directed to a charity instead of distributed to you. For these distributions to be made tax-free, they must be made directly from the IRA to an eligible charitable organization. 2. Charitable Remainder Trusts There are a number of different options for Charitable Remainder Trusts,-also-known-as-CRTs. Generally, a CRT allows you to make contributions to the trust and be eligible for tax deductions based on the assets that will pass to charitable beneficiaries. Contributions to the trust are irrevocable, and require that a portion of the CRT income or principal be distributed to you (or another named beneficiary) for a specific period of time.
3. Donating Appreciated Securities If you have stocks that have appreciated exponentially, you can donate them to a charity and avoid paying taxes on the gain. You also get to deduct the full fair market value of the security. These are just a few of the many ways to give in line with your charitable inclinations, while keeping your estate plan in mind.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.

16/04/2024

What Will Happen To Your Timeshares?

You are sold on the marvels of timeshares and ready to relive your favorite vacation for years to come! But, what happens when you grow tired of the timeshare, are too old to use it, or when you pass away? What happens if your family does not want it or cannot afford it?
Let’s begin with the two ways a timeshare can be owned:
1. Contractual Ownership: The contract grants you use of the property for periods of time or grants you points to buy vacation time. The point systems depend on supply, demand, and timing, amongst other factors. Sometimes, this is also referred to as a leased timeshare. When you pass away, your estate is required to pay the contractual fees until the timeshare is given back. Unfortunately, contractual timeshares do not automatically terminate at death. They often have limitations like who can inherit and if it can be rented out. Timeshares are hard to appraise as they may have little monetary value. You may even owe money at the time of transfer.
2. Deeded Ownership: This type of timeshare is considered real property. It is owned by having your name on a recorded deed in the appropriate State and County Land Records. Probate must be opened in order to transfer ownership. Once your estate has been opened, then the transfer can occur through a new deed. During the probate process, maintenance fees still need to be paid, and if not, then the company can foreclose on the property.
Regardless of the type of timeshare you have, it is important to incorporate this asset into your estate plan. One option is to hold title as joint tenants. This means two or more people own the timeshare in a way that upon the passing of one their interest immediately passes to the others and avoids probate.
Another option is to create a Revocable Living Trust to hold all of your assets. After creation, you can transfer the timeshare into the Trust. This will make the Trust the legal owner of the timeshare while you still receive the benefit of using it. Having a Revocable Living Trust will avoid the difficulties of probate because upon your passing, the asset is privately transferred outside of court control.
As our clients reach retirement age, we receive a lot of questions regarding the transfer of timeshares. To plan properly, you need to understand how you own the timeshare, whether your loved ones want to inherit the timeshare, and then Sinclair Prosser Gasior can help you explore which option is the best fit for your estate planning needs.
For more information, please join us for an upcoming FREE Webinar. If you have additional questions or concerns about your estate plan, contact the experienced estate planning attorneys at Sinclair Prosser Gasior by calling (410) 573-4818 to schedule an appointment.