Your financial health is an important part of your overall health and well-being. Join us for a panel presentation where you will discuss important factors impacting your overall estate plan. Featured topics will include insurance, wills, tax planning, power of attorney, social security, medical directives and other legal documents, long-term care, and much more. When you begin to explore all the options and information available, you and your loved ones can make informed decisions to create a well-executed estate plan that reflects the goals and values you find most important. This is a great opportunity to learn and share information with the women in your life as you begin important discussions about your future.
Estate Planning Basics for Women is presented by:
The Honorable Margaret H. Phipps
Calvert County Register of Wills
The Honorable Margaret H. Phipps was first elected as Register of Wills in November 1978. She is the 24th Register to serve the citizens of Calvert County. Among her many contributions to the Calvert community, Honorable Phipps serves as Chairperson, Maryland Register of Wills Automation Committee, 1992-Present, serves as a member of the Probate/Judiciary Subcommittee to the Rules Committee, serves as a member of the Estates and Trusts Section of Md. Bar Subcommittee with Registers, Orphans' Court Judges and Attorney General's Office, and is a member of many civic and professional organizations, including her church where she serves on the Finance Committee, and the Commission on Aging where she has served since 1978.
Denise M. Bowman, Esquire, Senior Counsel
Davis & Palumbo, LLC
Denise works with women throughout the Washington Metropolitan Region designing estate planning tailored to the unique needs of women. She has been practicing law for 32 years and has been recognized twice by the Daily Record as one of Maryland’s Top 100 Women and is an AV Preeminent Rated Attorney. Denise will share information on the many legal forms needed to include in your estate plan including medical, financial, and personal forms. She will also share her popular Family Love Letters program to document your most personal wishes and assist your loved ones following your passing.
Bill Gaines
Pathway Investment Group (Prince Frederick and Annapolis)
Bill brings a wealth of experience and knowledge to his role as a wealth advisor. He is a graduate of the Georgetown University Financial Planning program and holds the Registered Financial Consultant (RFC®) designation. He has also earned the National Social Security Advisor (NSSA®) Certificate, which, combined with his financial and business background, enables him to help his clients with their retirement goals. Bill’s comprehensive approach to financial planning and his desire to hear every client’s needs make him ideal for individuals and families with personalized goals and a passion for their Retirement Adventure. Bill will share his Social Security for Spouses program along with the basics of financial planning considerations.
Louise A. Kelsh, CPA
Lombardo Ayers & Company, LLC
Louise Kelsh, CPA has more than 20 years of experience specializing in tax planning, consulting and tax preparation for individuals, businesses, estates and trusts. She has been employed and mentored by Martha Rymer, CPA of Rymer & Associates, for more than 20 years, working with a diverse and intricate client base from across the country. Her employment with Rymer & Associates has now transitioned to Lombardo Ayers & Company, where she continues to enjoy working with her long-time clients and partnering and assisting new clients.
Carrie Polk
Carrie Polk Insurance, Inc.
Carrie Polk, owner of Carrie Polk Insurance Inc has been protecting her clients since 1993. She takes a down to earth approach to customer service and focuses on finding individual insurance solutions for each client. Carrie has several designations and licenses to show her commitment to her clients such as Accredited Investment Fiduciary (AIF), Life Underwriter Training Council Fellow (LUTCF) and Certified Long Term Care Specialist (CLTCS).
