Estate Planning Attorney Serving Gaithersburg, MD and Montgomery County

Gaithersburg is one of Maryland's largest and most economically dynamic cities, home to established neighborhoods, growing businesses, and families who have built significant wealth through homeownership, retirement savings, and entrepreneurship. Whether your estate includes a family home, investment property, a closely held business, or substantial retirement assets, your estate plan should be designed to protect what you have worked to build. A comprehensive estate plan (wills, trusts, powers of attorney, advance medical directives, and, where appropriate, business succession planning) can help preserve your assets, reduce unnecessary taxes and probate costs, and ensure your wishes are carried out in accordance with Maryland law.

Licensed MD, DC, VAFree Initial ConsultationMobile notaryDirect attorney access
$5M
MD's $5M estate tax exemption, frozen since 2019
9–12 mo
Typical Montgomery County probate timeline
3 States
Attorneys licensed in MD, DC & VA

Maryland law overview

Estate Planning in Gaithersburg: What Montgomery County Families Need to Know

Gaithersburg has become one of Montgomery County's leading centers for technology, biotechnology, healthcare, and small business. Many families here have accumulated wealth through homeownership, retirement accounts, investment portfolios, equity compensation, or closely held businesses. As those assets grow, estate planning becomes about much more than preparing a will. It is about protecting your family, preserving what you have built, planning for incapacity, and minimizing unnecessary taxes and probate costs.

Gaithersburg's growth cuts both ways on the tax question. The One Big Beautiful Bill Act, effective January 1, 2026, permanently raised the federal estate tax exemption to $15 million per individual, so federal estate tax is now off the table for the overwhelming majority of Gaithersburg families. Maryland didn't match that increase. Its exemption stays fixed at $5 million per individual, with no adjustment for inflation. As home values, retirement accounts, business interests, and investment portfolios keep appreciating, more Montgomery County families are drifting toward that Maryland threshold even though they'll never owe a dollar federally. On top of the estate tax, which is graduated and tops out at 16%, Maryland is one of a handful of states that also charges a separate 10% inheritance tax. That tax turns on who receives the property, not how big the estate is: transfers to spouses, children, parents, grandparents, and siblings are generally exempt, while a niece, nephew, unmarried partner, or other beneficiary outside that circle may owe it, regardless of estate size.

Wills, Probate, and the Montgomery County Courts

A will you wrote out by hand won't hold up in Maryland. The state doesn't recognize holographic wills. What it does require is a document in writing, signed by the person making it, and witnessed by two credible witnesses. Miss any of those requirements and Maryland's intestacy statutes take over, distributing the estate by a fixed formula rather than by your actual wishes.

Gaithersburg residents go through probate at the Montgomery County Register of Wills. A routine, uncontested estate typically stays open nine to twelve months, sometimes longer for more complex matters, and administrative probate fees scale with the value of the estate as set by Maryland law.

Montgomery County's probate structure is an outlier among Maryland counties. Instead of a separately elected Orphans' Court, the county has Circuit Court judges step into that role whenever a probate matter needs judicial review. That setup shapes how contested proceedings play out here differently than in most neighboring jurisdictions.

Business Succession Planning

For many Gaithersburg business owners, the business is one of the family's most valuable assets. An estate plan should address what happens if an owner dies or becomes incapacitated. Buy-sell agreements, operating agreements, shareholder agreements, trusts, and carefully coordinated ownership structures can help ensure that a business continues operating smoothly and transfers according to the owner's wishes rather than becoming tied up in probate or disputes among heirs.

Planning for Incapacity

A plan that only addresses what happens after death is only half a plan. Durable financial powers of attorney and advance medical directives give people you trust the authority to manage your finances and make healthcare decisions if you're ever unable to do so yourself. Without them, your family may need to petition a court for guardianship before they're able to act at all.

The Risk of a Generic Power of Attorney

A template pulled off the internet can look convincing without actually meeting Maryland's requirements, and that gap often isn't discovered until it's too late. Under Maryland's statute, an agent needs specific authorizing language before they can make gifts, manage a business interest, or change a beneficiary designation on your behalf. Generic forms tend to skip that language, and when they do, a Maryland financial institution can refuse to honor the document, leaving your family, or your business, unable to function right when help is needed.

A New Option for Gaithersburg Homeowners

Starting October 1, 2026, the Maryland Transfer-on-Death Deed Act (House Bill 738 / Senate Bill 651) gives homeowners a new tool: the owner of residential real property can name a beneficiary directly on the deed, and the property passes to that person automatically at death, without probate. Until then, the owner keeps complete ownership and control, including the right to revoke the beneficiary designation whenever they choose.

For a Gaithersburg homeowner, that can mean a simpler path to moving real property outside of probate without sacrificing any control during life. It won't suit every situation, though, and generally functions best as one piece of a broader estate plan rather than a replacement for one.

Estate Planning Involves More Than a Will

A will handles only part of the job. A full plan also protects your family through incapacity, keeps beneficiary designations coordinated, preserves business interests, addresses tax exposure where it exists, and directs your assets according to your actual wishes. Built thoughtfully, that kind of plan brings peace of mind now and less expense, delay, and uncertainty for the people you leave behind.

Services

What we handle for Gaithersburg clients

Wills & Last Testaments

Maryland's witness and execution rules are strict, and templates miss them. We draft wills that hold up and document your wishes in a way the court will respect.

Revocable Living Trusts

A revocable trust keeps real property and other assets out of probate. It is worth considering if you own a home, hold business interests, or have beneficiaries whose circumstances are complicated. We'll tell you honestly whether it fits.

Powers of Attorney

Maryland banks reject powers of attorney that lack the right statutory language. We draft financial and healthcare powers of attorney built to work, and built to keep a business running if the owner is sidelined.

Estate & Probate Administration

For Montgomery County estates, proceedings run through the Register of Wills in Rockville, with contested matters before Circuit Court judges sitting as the Orphans' Court. When the estate includes a business interest, we coordinate administration with whatever succession plan is already in place.

Business Succession Planning

We help Gaithersburg owners structure succession: buy-sell agreements, transfer mechanisms, and titling, so a company can continue or transfer without a probate delay or an unnecessary tax event.

Fractional General Counsel

For businesses not ready to bring on in-house counsel, we offer ongoing support: contracts, compliance questions, and issues handled before they become bigger problems.

Why Gaithersburg clients choose C&O Law Group

  • Practiced in Montgomery County courts: We file with the Register of Wills in Rockville and know how the county's structure works, with Circuit Court judges taking on the Orphans' Court role.
  • Estate and business under one roof: We coordinate estate plans with business-succession and general-counsel work, which matters in a city this full of owner-operated companies.
  • Licensed MD, DC & Virginia: Licensed in Maryland, Washington D.C., and Virginia — useful for Gaithersburg families and businesses with ties across the region.
  • Your file, your attorney: You're working with the attorney on your file, not a rotating cast of paralegals.
  • Set pricing, mobile signing: Pricing is quoted up front, and we can travel to you for signing.

Our attorneys are licensed in Maryland, Washington, D.C., Virginia

Natalija Stamenkovic, based in our Rockville office, has practiced in the Maryland, D.C. and Virginia region for more than three decades, serving families throughout Montgomery County.

Frequently asked

Estate planning questions

Without a succession plan, a business interest titled in your name can get pulled into probate, freezing decisions and operations for months. A complete plan heads that off directly: a buy-sell agreement among owners, a transfer mechanism (often a trust), and a power of attorney authorizing someone to keep the business running if you're incapacitated. Because business value counts toward Maryland's $5 million estate tax threshold, succession and tax planning tend to go hand in hand. We handle both.
Both. It's a combination few other states impose. The estate tax applies above $5 million per individual, at graduated rates up to 16%, while a separate 10% inheritance tax applies to transfers going to a non-exempt beneficiary. Spouses, children, parents, grandparents, and siblings are exempt from that inheritance tax; a niece, nephew, partner, or friend is not. For business owners specifically, the estate tax threshold matters because business value counts toward it.
A routine, uncontested estate generally runs nine to twelve months through the Register of Wills at 50 Maryland Avenue in Rockville, with the roughly six-month creditor claim period setting a practical floor. Contested matters, heard by Circuit Court judges sitting as the Orphans' Court, can run well past that. Counsel familiar with the local court tends to keep the process from stalling on procedure.
Not by itself. A will directs who inherits, but property titled in your name alone, whether a house, a solo account, or a business interest, still runs through the Montgomery County probate process regardless. Keeping assets out of probate takes other tools: a revocable living trust, beneficiary designations, joint titling, or, from October 1, 2026, a Maryland Transfer-on-Death Deed for real property. Most complete plans combine a will with one or more of these.
We'd be cautious about it. Maryland requires specific statutory language before certain actions can be authorized, and generic forms commonly omit it. A Maryland financial institution can reject a document that falls short, a particular headache for business owners, since a rejected POA can halt operations entirely. We draft powers of attorney designed to be accepted by Maryland banks.

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Serving Gaithersburg, Germantown, Rockville, North Potomac, Montgomery Village, Clarksburg and surrounding areas

This page provides general information about estate planning under Maryland law and is not legal advice. Estate planning decisions depend heavily on your specific facts and circumstances. For advice on your situation, consult a licensed attorney.

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