Webinar: Planning for a Loved One With Special Needs – An Overview of Guardianship, Supported Decision Making, and Special Needs Trusts
2025-01-22 19:00 - 20:30 (America/New_York)
Elville and Associates has been privileged to educate, counsel, and guide families with loved ones with special needs for many, many years. We continue this through our longstanding partnership with NAMI (National Alliance on Mental Illness) as Elville and Associates’ Managing Principal and Lead Attorney Stephen Elville, J.D., LL.M., offers an interactive, educational discussion about guardianship, Supported Decision Making, and special needs (supplemental needs) trusts.
The decision to pursue guardianship — to obtain the legal authority to make decisions for another person — is one that has many intricacies to it and should not be taken lightly. There are also many alternatives to guardianship to consider as well, which is why speaking with a qualified attorney is extremely important during the decision-making process and throughout the guardianship proceeding.
Supported Decision Making (SDM) involves persons with disabilities being able to make their own decisions to whatever extent they can, provided that they have enough support to do so. Now law in Maryland, Supported Decision Making represents a huge breakthrough for persons living with disabilities, as it does not take away their rights of self-determination; rather, it allows them to appoint a supported decision maker, even if they are under guardianship. However, this dramatic paradigm shift brings with it the element of risk, potential confusion for parents and others, and unanswered questions.
A solid foundation for planning for loved ones with special needs encompasses these two topics along with several others. Understanding what is involved in the planning process for a special needs family and the importance of preserving your loved one’s financial security, quality of life, and well-being are further keys to planning success. Estate planning to protect families’ assets along with the types of special needs trusts and their specific purposes (along with who the decision makers and beneficiaries can be in these trusts) are of paramount importance.
Mr. Elville will discuss the following, and more:
• What is guardianship?
• What are guardianship’s benefits and drawbacks?
• What are the main questions every family should ask before making the decision to pursue guardianship?
• What are some of the alternatives to guardianship?
• Understanding Supported Decision Making under the new law – what is its purpose, and what is its current status? What is its promise in Maryland? What are the problems?
• What Supported Decision Making is not. What is Supported Decision Making’s relationship to powers of attorney, advance medical directives, and guardianship?
• How Supported Decision Making works and how it can benefit loved ones with disabilities.
• What are the types of special needs trusts and what trusts best fit different situations?
• What are some other tools and resources families should consider when planning for loved ones with special needs?
To RSVP for the presentation ahead of time and receive your personal link to attend, please click here.
Should you have questions ahead of time, please contact Community Relations Director Jeff Stauffer at 443-393-7696 x117, or jeff@elvilleassociates.com. We look forward to hosting you!
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Webinar – What Families Need to Know About Planning for a Loved One With Special Needs
2025-02-07 10:00 - 11:15, 2025-09-05 10:00 - 11:15
Presented by Elville and Associates’ Managing Principal and Lead Attorney Stephen R. Elville, webinar attendees will come to understand what is involved in the planning process for a special needs family and the importance of preserving your loved one’s financial security and quality of life.
The key issues of understanding the role of public benefits, making decisions about the future, Maryland ABLE, and using estate planning and trusts to protect assets will be discussed along with the types of special needs trusts and their specific purposes (along with who the decision makers and beneficiaries can be in these trusts). Also, to be touched upon will be the “planning team concept” — how your planning team (attorney, financial advisor, CPA) — can work together to help provide your family peace of mind during the special needs planning process.
To receive your personal link to attend ahead of time, please click here. Should you have questions, please contact Community Relations Director Jeff Stauffer at 443-393-7696 x117.
Open to clients, advisors and the general public. For Certified Financial Planners, CPAs, and other professionals 1.5 continuing education hours will be available for attending this presentation. We look forward to hosting you!
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Webinar - Documents for Life and The Family Love Letter
2025-03-20 10:00 - 11:30
Co-presenting will be Elville and Associates’ Principal Attorney and Rockville office leader Lilly Hummel, and Clover Leaf Wealth Strategies’ Chartered Special Needs Consultant and Financial Advisor Cortney Heykoop.
Proper Estate Planning is a true gift you can leave to your loved ones. In this seminar we will review general estate planning documents taking this a step further to include a Family Love Letter. The Family Love Letter is a gift – of time, love and clarity. It is a Legacy for the Living. We will all leave a legacy. Will it be a legacy of confusion or of information? Will we add to the trauma of our death or incapacity by adding to its inherent confusion, or leave a roadmap for those who follow? Will we leave a Legacy for the Living – of the stories, hopes and desires for our family?
To RSVP and receive your personal link to attend, please click here.
Should you have any questions beforehand, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117. We look forward to hosting you!

Estate Planning and Elder Law Essentials - at Rockville Senior Center with Lilly Hummel
2025-03-21 10:00 - 11:30 | Rockville Senior Center, 1150 Carnation Drive, Rockville, MD, 20850, United States
Presented by Elville and Associates’ Principal Attorney Lilly Hummel, this in person presentation at Rockville Senior Center is an in-depth overview that will thoroughly educate attendees about the essentials of estate and elder law planning. This is Elville and Associates’ 10th consecutive year visiting Rockville Senior Center to offer education to its members and surrounding community.
Some of the topics Ms. Hummel will discuss include:
1) What is an Estate Plan and what is the process? Why is it important to have a process?
2) Why most Estate Plans don’t work as intended and what you can do to avoid planning failure
3) Wills versus Trusts and understanding probate and non-probate concepts
4) Understanding the importance of financial powers of attorney, advance medical directives and MOLST
5) Elder Law, Taxation, and Asset Protection – what these concepts mean in today’s planning
6) Understanding why having outdated documents could provide challenges in the future
7) The absolute importance of incorporating “flexibility” in your planning, and how to achieve perfection for your legacy
8) Getting started – how to take the next steps
To RSVP ahead of time, please click here. Should you have any questions before the presentation, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117. Or, you can contact Senior Center Support Services Supervisor Alexis D’Angelo at adangelo@rockvillemd.gov, or 240-314-8812.
We look forward to seeing you at Rockville Senior Center!
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Webinar - Housing Options as You Age
2025-03-27 10:00 - 11:30
The Elville Webinar Series has a real treat for you! We welcome Victoria Hathaway, Director of Silver Group of Keller Williams Lucido Agency, and Emily Leclercq, Program Manager with Maryland Access Point and the Office on Aging & Independence. These two subject matter authorities will lead attendees through a discussion about “Housing Options as You Age.”
Program objectives:
· Understand the importance of planning housing options for aging.
· Identify different housing options for older adults.
· Evaluate the pros and cons of each housing option.
· Learn about the concept of aging in place.
· Explore the financial aspects of housing choices, and what are the logistics that allow for a person to move FIRST THEN sell, or sell FIRST THEN move?
To register for the webinar and receive your personal link to attend, please click here.
1.5 continuing education hours are available for most professionals who attend this webinar. Should you have any questions beforehand, please contact Community Relations Director Jeff Stauffer at 443-393-7696 x117, or jeff@elvilleassociates.com. We look forward to hosting you!

Webinar - How to Achieve Perfection for Your Legacy - Intentionalism in Estate Planning
2025-03-28 10:00 - 11:15
Many people want to achieve excellence in their estate planning – to establish an estate plan that works as intended – one that will stand the test of time, accomplish personal goals and priorities, provide for the disposition of assets in the desired way to the persons and/or organizations of choice, controlling costs, and setting forth values, ideas, concepts, and aspirations – organized by leading-edge legal-technical concepts that are up to date at the time of death, and guided by highly instructional letters of wishes or memorandums. Yet few people understand the kind of estate planning process necessary for the realization of this ideal, and even fewer people are offered the opportunity to participate in the kind of process necessary to facilitate the same. To say that achieving true excellence in estate planning is akin to successfully sailing around the world alone is not an exaggeration. It takes all of the stuff of legend, including purpose, persistence, patience, and introspection; partnership with your estate planning attorney and an adequate process forward (facilitated by the attorney); maintenance and updating of the estate plan over time; and more. In short, true excellence in estate planning requires being extremely intentional. In this webinar, Stephen R. Elville, Managing Principal and Lead Attorney with Elville and Associates, P.C., will lead a discussion about Intentionalism in estate planning. Topics of discussion will include:

Why being intentional in estate planning matters;
Understanding the risks in estate planning;
Why knowing what you want out of estate planning matters;
Avoiding estate plan failure, and why estate plans may not work as intended;
Maintaining and updating your planning;
The importance of Partnership

Please click here to register for the presentation and receive the webinar link ahead of time. Should you have any questions beforehand, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or at 443-393-7696, x117.
Open to clients, advisors, and the general public. 1.5 continuing education credits will be available for most advisors who attend this presentation. We look forward to hosting you!
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Webinar: The Wellness Series - Maintaining Your Reserves in Changing Times
2025-04-08 10:00 - 11:00
How you manage stress has a huge impact on your short- and long-term health. We will start this session with a quick assessment of your current level of reserves then dive directly into how you can keep your tank full – and why that is so very important. We will explore the impact on your health, on your sleep, on your behaviors, and even your risk for cancer.
Your presenter is nationally renowned speaker Dr. Michelle Fritsch, a board certified, doctoral trained health professional and founder of Retirement Wellness Strategies. Dr. Fritsch also cofounded Propel Comprehensive Wellness, a program to guide those over 50 maintain their health, function, and fulfillment in their retirement years.
To RSVP and receive your personal link to attend, please click here.
Should you have any questions, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117.
We look forward to hosting you!

The Advisors' Forum: Bulletproofing Estate Plans - Dealing with Long-Term Variables in Estate Planning
2025-04-23 10:00 - 11:00
This Advisors’ Forum webinar presentation is designed to educate financial advisors, CPAs, insurance professionals, Aging LifeCare Managers, and others about the long-term variables in modern estate planning. Stephen Elville, Managing Principal Attorney of Elville and Associates, P.C. will discuss recent changes in the laws that, while intended to provide significant flexibility, may in fact raise the prospect of estate plans being affected in unexpected, and possibly unintended ways – causing clients to wonder whether their goals, values, and intentions will be accomplished. Advisors will learn how to recognize and decipher these contemporary techniques to best serve their clients and determine for themselves the good, the bad, and the ugly, including whether clients should opt out or embrace present and future trends. Topics include:

Trends in contemporary estate planning
Staying abreast of change
Maintenance and updating versus post-mortem control
Making sense of future fiduciary succession
Should clients opt out?
Coming to terms with modern estate planning tools

To RSVP for the Forum and receive your personal link to attend, please click here.
One continuing education hour is available for most advisors who attend this presentation.
Should you have any questions beforehand, please contact Community Relations Director Jeff Stauffer at 443-393-7696 x117 or jeff@elvilleassociates.com. We look forward to hosting you!
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Webinar - Special Needs Planning: Financial and Estate Planning in Unique Circumstances
2025-04-25 10:00 - 11:30

The Wellness Series: Ever Evolving Scams Out to Get Us - More Sophisticated With Higher Stakes
2025-05-09 10:00 - 11:00
At Propel Comprehensive Wellness, more and more Dr. Michelle Fritsch has been watching and working with clients caught in scams. Some of these take more than your money. They take your real relationships, your security, your reputation, and more. This isn’t designed to scare you. It is to empower you to be ahead of the scammers so you won’t be taken.
Note, though not necessary to attend both – this will tie directly to the April 8th presentation of the Wellness Series about “Maintaining Your Reserves in Changing Times.” Come see how these tie together, and you can view the April 8th recording here.
To RSVP ahead of time and receive your personal link to attend, please click here.
Should you have any questions, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117.
We look forward to hosting you!

Webinar - Learn All There Is to Know About Elville and Associates' Client Care Program
2025-06-05 10:00 - 10:45
Since 2016, Elville and Associates’ Client Care Program has been synonymous with “Planning That Works.” The Mission of the firm’s Client Care Program is to provide our clients with the comfort and assurance that their estate, special needs, and elder law planning will work as intended no matter how clients’ goals and situations may change, and to ensure planning remains consistent with changes in the law.
As one of only two firms in Maryland with a Client Care Program accredited by the Client Care Academy in Boston, Elville and Associates encourages enrollment in the Program as it is without question the highest and most ideal form of partnership between the firm and its clients.
Join Elville and Associates’ longtime Community Relations Director, Jeff Stauffer, as he takes off his moderator had and puts on his presenter hat for this comprehensive and concise webinar about the firm’s Client Care Program.
Topics of discussion include:
– What exactly is the Client Care Program and what is its history?
– Is the Client Care Program the right fit for my family and me?
– An overview of benefits included in Client Care Program membership
– Simple steps about how to become a member of the Client Care Program
– Questions and answers
To register ahead of time and receive your personal link to attend, please click here.
Should you have questions ahead of time, please contact Community Relations Director Jeff Stauffer at 443-393-7696 x117, or jeff@elvilleassociates.com. We look forward to hosting you!
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Webinar: The Wellness Series - Taking Care of Yourself on Dark Days
2025-06-20 10:00 - 11:00
In these uncertain times, how do you manage your anxiety, dark days, the news, the pace of life? On the media and social media we see only the best sides of people and our brains try to tell us everyone has it good and we are the only ones struggling. That’s a lie! Let’s talk about it and learn very strategic ways to manage this information overload and fear-based messaging. One will be the boomerang effect! You definitely want to know how to use this!
Your presenter is nationally renowned speaker Dr. Michelle Fritsch, a board certified, doctoral trained health professional and founder of Retirement Wellness Strategies. Dr. Fritsch also cofounded Propel Comprehensive Wellness, a program to guide those over 50 maintain their health, function, and fulfillment in their retirement years.
To RSVP ahead of time and receive your personal link to attend, please click here.
Should you have any questions, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117.
We look forward to hosting you!

The Elville Webinar Series: An Overview of Special Needs Trusts and ABLE Accounts - Planning for Unique Circumstances
2025-06-26 10:00 - 11:30
Presenting will be Elville and Associates’ Principal Attorney Lilly Hummel, Clover Leaf Wealth Strategies’ Chartered Special Needs Consultant Cortney Heykoop, and Maryland ABLE’s Outreach Coordinator Kelly Nelson.
Special needs trusts and ABLE accounts are powerful planning tools, yet they are quite different and each has its own set of rules and requirements. Families with loved ones with disabilities must understand both special needs trusts and ABLE accounts before establishing one or the other.
In many instances, it is beneficial to create both. The counsel of a special needs planning attorney is crucial to this decision-making process. Families with special needs loved ones often face unique financial circumstances that require specialized planning and expertise. A special needs financial advisor can provide guidance and support in navigating these issues, ensuring the long-term financial security and well-being of the family and special needs loved one.
To RSVP and receive your personal link to attend, please click here.
This presentation will feature relevant and critical information provided by three subject matter experts. Ample time will be afforded for your question as well!
Should you have any questions, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117. We look forward to hosting you!

Webinar - Supported Decision Making for Families and Loved Ones Living with Traumatic Brain Injury
2025-08-27 10:00 - 11:00
Supported Decision Making (SDM) involves persons with disabilities being able to make their own decisions to whatever extent they can, provided that they have enough support to do so. Now law in Maryland, Supported Decision Making represents a huge breakthrough for people living with disabilities, as it does not take away their rights of self-determination; rather, it allows them to appoint a supported decision maker, even if they are under guardianship. However, this dramatic paradigm shift brings with it the element of risk, potential confusion for parents and others, and unanswered questions. In this webinar, Elville and Associates’ Managing Principal and Lead Attorney Stephen Elville will explore the new Supported Decision Making law and its possibilities for loved ones with disabilities. This webinar focuses on the new promise of SDM for persons with disabilities and the current status of this alternative to guardianship and potential guardianship supplement, and how SDM has the potential to affect and change so many lives, including those of family members and other supporters.

Learning objectives include:
~Understanding Supported Decision Making under the new law, what it is, what is its purpose, and what is its current status? What is its promise in Maryland? What are the problems?
~What Supported Decision Making is not. What is Supported Decision Making’s relationship to powers of attorney, advance medical directives, and guardianship?
~How Supported Decision Making works, how it can benefit loved ones with disabilities, and its current status in Maryland.

To RSVP for this webinar, please click here. Should you have any questions beforehand, please contact Jeff Stauffer, Community Relations Director, at jeff@elvilleassociates.com, or 443-393-7696 x117. We look forward to hosting you!

Webinar – Navigating Estate and Trust Administration
2025-09-17 10:00 - 11:15
Presented by the Elville Webinar Series and Elville and Associates’ Managing Principal and Lead Attorney Stephen Elville, this webinar will delve into the situations that arise after the death of a client, client’s family member, or loved one and the trust and estate administration that takes place during that time. Helping advisors and family members understand what their roles are in helping clients and loved ones through the legal process, what that legal process is, and how advisors and other planning team members can best work together in support of clients is of paramount importance during this challenging time for all involved.
Learning Objectives:
— unraveling the mystery of what happens after the death of a client or loved one
— minimizing confusion and providing maximum support to clients and loved ones at a time of crisis
— what is the legal step-by-step process that needs to be taken after death?
— what are the practical steps that should be taken after death?
— examining the most significant and potentially problematic legal and tax issues advisors and family members should be aware of in the months following the death of a client or loved one
— how financial advisors, CPAs, and attorneys can best work together in support of clients
Please click here to RSVP ahead of time and receive your personal webinar link to attend. Should you have any questions before the event, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-343-8533 x117. We look forward to hosting you!
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Estate Planning and Elder Law Essentials - with Steve Elville
2025-09-23 19:00 - 20:30
Join Elville and Associates’ Managing Principal and Lead Attorney Stephen R. Elville, J.D., LL.M., as we partner with Timmick Financial Group and Retirement Planning Specialist Mark Timmick, CRPC®, AIF® for our semiannual three-evening Retirement Planning Webinar Series.  Each evening is purely educational in nature and no cost to attend.  Evening one (September 23rd) will feature Steve discussing estate planning and elder law essentials – “excellent estate planning” – and will include the following topics:

Probate vs. non-probate, will-based plan vs. a revocable trust-based plan, and pros and cons of each
How to properly protect assets so the most possible passes to your spouse, children and grandchildren
How outdated documents create problems in the future, and how to achieve perfection for your legacy
How to plan for incapacity and avoid guardianship
How to define specific goals for your family’s unique planning needs and circumstances
Help ensure family harmony while settling your estate
Why many estate plans fail and the steps you can take to ensure success for your family

To RSVP for the presentation ahead of time or to RSVP for Wednesday, September 24th’s “Savvy Social Security Planning” or Thursday, September 25th’s “Maximizing Retirement Income” webinars, please click here.
Should you have questions, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com or Timmick Financial’s Gail Timmick at gail@timmickfinancial.com. We look forward to seeing you there!
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The Wellness Series: SLEEP - 5 Common Myths and 5 Strategies You Can Implement TONIGHT!
2025-10-08 10:00 - 11:00
Do you get enough sleep? Is sleep really that important? Do you believe you just really don’t need much sleep? Are you too busy to sleep? Do you get plenty of hours thanks to medication? Even if you get 7-9 hours per night, we are going to explore myths, strategies, and the real impact of sleep. Included will be a couple of important surprise stories you’ll want to hear.
Your presenter is nationally renowned speaker Dr. Michelle Fritsch, a board certified, doctoral trained health professional and founder of Retirement Wellness Strategies. Dr. Fritsch also cofounded Propel Comprehensive Wellness, a program to guide those over 50 to maintain their health, function, and fulfillment in their retirement years.
To RSVP for the webinar and receive your personal link to attend, please click here.
Should you have any questions, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117.
We look forward to hosting you!

The Essentials of Estate Planning and Elder Law - with Steve Elville
2025-10-08 19:00 - 20:30
Join Elville and Associates’ Managing Principal and Lead Attorney Stephen R. Elville, J.D., LL.M., as we partner with Timmick Financial Group and Retirement Planning Specialist Mark Timmick, CRPC®, AIF® for our semiannual three-evening Retirement Planning Webinar Series.  Each evening is purely educational in nature and no cost to attend.  Evening one will feature Steve discussing estate planning and elder law essentials – “excellent estate planning” – and will include the following topics:

Probate vs. non-probate, will-based plan vs. a revocable trust-based plan, and pros and cons of each
How to properly protect assets so the most possible passes to your spouse, children and grandchildren
How outdated documents create problems in the future, and how to achieve perfection for your legacy
How to plan for incapacity and avoid guardianship
How to define specific goals for your family’s unique planning needs and circumstances
Help ensure family harmony while settling your estate
Why many estate plans fail and the steps you can take to ensure success for your family

To RSVP for the presentation ahead of time or to RSVP for Monday, October 6th’s “Savvy Social Security Planning” or Tuesday, October 7th’s “Maximizing Retirement Income” webinars, please click here.
Should you have questions, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com or Timmick Financial’s Gail Timmick at gail@timmickfinancial.com. We look forward to seeing you there!
#elvilleeducation

Webinar - Trustee Selection and How to Choose the Right One for You
2025-10-10 10:00 - 11:15
Join Elville and Associates’ Managing Principal and Lead Attorney Stephen Elville as he offers this webinar discussion about the very important topic of how to select a Trustee. Choosing a Trustee is one of the most intensive pieces of the estate planning process, and a choice not to be taken lightly. Ensure you’re educated about all the factors that go into making this important decision. Points of emphasis will include:
— What is a Trustee and what are their responsibilities?
— Types of Trustees and their characteristics – advantages and disadvantages
— The perfect Trustee – setting the benchmark for selection
— Trustee selection – why is it so important?
— Trustee succession and plan design – why so difficult, why so crucial?
— Trustee roles in Wills and Trusts
— What are some reasons to consider appointing a Corporate Trustee?
— Why should you be concerned about “Successor Trustee risk”?
To register for the webinar and receive the link ahead of time, please click here. Should you have any questions beforehand, please contact Community Relations Director and webinar moderator Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x 117. We look forward to hosting you!
Open to clients, advisors and the general public. For Certified Financial Planners, CPAs, and other professionals, 1.5 continuing education hours will be available for attending this presentation.
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2025 Annual Client and Community Education Event: “The Evolution of Estate Planning in a Changing World" (Registration Closed)
2025-10-18 08:30 - 12:30
PLEASE NOTE REGISTRATION HAS CLOSED FOR THIS EVENT.
Stephen R. Elville, the attorneys, and staff of Elville and Associates are pleased to invite you to our 2025 annual Client and Community Education Event!
Clients, families and friends, financial advisors, and community members are welcome as we learn about “The Evolution of Estate Planning in a Changing World.”
Our traditional high-level education, award-winning breakfast foods from Putting on the Ritz, live music from the Columbia Orchestra String Quartet, and door prizes await! Join us on Saturday, October 18th from 8:30 a.m. to 12:30 p.m. for this can’t-miss event at the beautiful, fully-refurbished Ten Oaks Ballroom in Clarksville.
Questions? Contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117.
Scheduled presentations and topics include:
Stephen R. Elville, J.D., LL.M., Managing Principal and Lead Attorney of Elville and Associates, P.C. – “How and Why Estate Planning Changed in 2025 – OBBBA – and Dealing wth Long-Term Variables in Estate Planning 2.0”
Gary Greenwald, J.D., LL.M., Principal of The Law Offices of Gary Greenwald, P.C. – “The History of Estate Tax and Implications for Planning Now and in the Future”
Lillian S. Hummel, J.D., M.P.A., Principal of Elville and Associates, P.C. – “Estate Planning in an Era of Uncertainty: Adapting to Budget Shifts, Benefit Changes, and a Strained Long-Term Care Environment”
Bill Hufnell, CFP®, CPA, Wealth Manager and Principal; Billy Hufnell, CFP®, CPWA®, Wealth Manager and Principal; Dan Ebinger, CFP®, CFA®, CPWA®, Wealth Manager and Principal with Modera Wealth – “Tax and Charitable Planning, and Implications of the OBBBA on Planning”

Stephen Elville and Elville and Associates Present: The Essentials of Estate and Special Needs Planning
2025-10-24 10:30 - 12:00 | Howard County Public Library – Central Branch, 10375 Little Patuxent Pkwy,, Columbia, MD, 21044, United States
While traditional estate planning encompasses a broader range of strategies for managing assets and distributing them after death, special needs planning is a specific form of estate planning that focuses on the unique needs of individuals with disabilities. Both, though, share the goal of ensuring financial security and well-being, with special needs planning adding the crucial element of preserving government benefits for the disabled individual. In the end, both estate and special needs planning are about love.
In this in-person presentation at Howard County Library’s Central branch, Managing Principal Stephen Elville, J.D., LL.M., will educate attendees about the essentials of both estate and special needs planning to ensure your family and loved one’s current and future needs are addressed.
Key points of education include:

Wills, trusts, powers of attorney, and other legal documents to set forth and carry out your family’s goals – all planning is goal-driven!
How to manage and distribute assets, whether for the benefit of a disabled individual or other beneficiaries.
Addressing how to provide financial support for loved ones with disabilities without jeopardizing eligibility for means-tested government benefits including SSI and Medicaid.
A key element of special needs planning is the use of special needs trusts, which allow funds to be held for the benefit of the disabled individual without affecting their eligibility for public assistance. What are the types of special needs trusts and how are they similar and different?
Special needs planning takes into account the unique challenges and needs of individuals with disabilities, such as healthcare, housing, and support services.
Guardianship and supported decision making – what are they and when are they appropriate?
Trustee selection – a crucial piece of both types of planning – involves choosing someone who understands the complexities of planning documents and in special needs planning understanding the beneficiary’s specific needs.
Special needs planning often includes a broader financial well-being strategy, incorporating budgeting, insurance, and other investment strategies such as ABLE accounts to protect the individual’s assets and provide for their long-term financial stability.

To RSVP for the presentation please visit The Essentials of Estate and Special Needs Planning | Howard County Library System. Should you have questions ahead of time, please reach out to Elville and Associates’ Community Relations Director, Jeff Stauffer, at jeff@elvilleassociates.com, or HCPL’s Adult Learning & Innovation Specialist, Rohini Gupta, at rohini.gupta@hclibrary.org.
We look forward to hosting you!

Webinar - Learn What Elder Law Attorneys Are Advising Clients About in 2025 (and Into 2026)
2025-11-12 10:00 - 11:15
“Elder Law attorneys are not just lawyers, they are counselors.”
Elder Law encompasses many concepts – planning for individuals and families who do not have taxable estates, but who are primarily concerned about the protection of their assets and addressing disability and long-term care issues. Elder Law also encompasses the following: Medical Assistance (Medicaid), long-term care planning, asset protection, nursing home and assisted living selection and placement, special needs planning, guardianship, Social Security issues, Veterans’ Benefits, senior housing issues, powers of attorney, advance medical directives, wills, trusts, and more.
Join Elville and Associates’ Managing Principal and Lead Attorney Stephen Elville as he leads you through this webinar discussion to learn why an Elder Law consultation is an integral part of the planning process. Attendees will learn:
– what is involved in an Elder Law consultation?
– why does an Elder Law consultation serve as a basis for change?
– what do clients want to know and what do they learn in an Elder Law consultation?
– what important Elder Law concepts and new laws are attorneys advising clients about in 2025 into 2026?
To RSVP and receive your personal link to attend, please click here.
Should you have any questions before the webinar, please contact Elville and Associates’ Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com or at 443-393-7696 x117.
Available to clients, advisors, and the general public, 1.5 continuing education hours will be available for Certified Financial Planners and CPAs attending this presentation.
#elvilleeducation

Webinar - The Wellness Series: Give the GIFT of Yourself This Year
2025-11-20 10:00 - 11:00
Let’s explore how unique you are. Your perspective, experiences, skills, and insights hold great value. Throughout this session discover the value of gathering. This discussion will include the dangers of isolation, the impact of your internal self-talk, and how you win when you connect with others.
Topics will include:
– How unique you are
– How your perspectives are shaped and why that’s so valuable
– How self-talk can get in your way and diminish you
– The dangers of isolation
– The dangerous trend, especially in the US, of people gathering way LESS often!
– How to share the gift of YOU
– How and why no money is required yet it’s the best gift you can give
– How to use the gift of YOU to make this your favorite holiday season yet!
To RSVP and receive your personal link to attend, please click here.
Your presenter is nationally renowned speaker Dr. Michelle Fritsch, a board certified, doctoral trained health professional and founder of Retirement Wellness Strategies. Dr. Fritsch also cofounded Propel Comprehensive Wellness, a program to guide those over 50 to maintain their health, function, and fulfillment in their retirement years.
Should you have any questions, please contact Community Relations Director Jeff Stauffer at 443-393-7696, or jeff@elvilleassociates.com. We look forward to hosting you!

Webinar - Learn All There Is to Know About the Elville Client Care Program
2025-12-02 10:00 - 10:45

Webinar - The Essentials of Estate and Special Needs Planning with Steve Elville
2025-12-05 10:00 - 11:15
While traditional estate planning encompasses a broader range of strategies for managing assets and distributing them after death, special needs planning is a specific form of estate planning that focuses on the unique needs of individuals with disabilities. Both, though, share the goal of ensuring financial security and well-being, with special needs planning adding the crucial element of preserving government benefits for the disabled individual. In the end, both estate and special needs planning are about love.
In this webinar presentation, Managing Principal Stephen Elville, J.D., LL.M., will educate attendees about the essentials of both estate and special needs planning to ensure your family and loved one’s current and future needs are addressed.
Key points of education include:

Wills, trusts, powers of attorney, and other legal documents to set forth and carry out your family’s goals – all planning is goal-driven!
How to manage and distribute assets, whether for the benefit of a disabled individual or other beneficiaries.
Addressing how to provide financial support for loved ones with disabilities without jeopardizing eligibility for means-tested government benefits including SSI and Medicaid.
A key element of special needs planning is the use of special needs trusts, which allow funds to be held for the benefit of the disabled individual without affecting their eligibility for public assistance. What are the types of special needs trusts and how are they similar and different?
Special needs planning takes into account the unique challenges and needs of individuals with disabilities, such as healthcare, housing, and support services.
Guardianship and supported decision making – what are they and when are they appropriate?
Trustee selection – a crucial piece of both types of planning – involves choosing someone who understands the complexities of planning documents and in special needs planning understanding the beneficiary’s specific needs.
Special needs planning often includes a broader financial well-being strategy, incorporating budgeting, insurance, and other investment strategies such as ABLE accounts to protect the individual’s assets and provide for their long-term financial stability.

To RSVP and receive your personal link to attend please click here. Should you have questions ahead of time, please reach out to Elville and Associates’ Community Relations Director, Jeff Stauffer, at jeff@elvilleassociates.com, or 443-393-7696 x117.
We look forward to hosting you!

Webinar - Unlocking Value: The Price of Condition
2026-01-08 10:00 - 11:00
Join Elville and Associates as we welcome back Realtors® and Seniors Real Estate Specialists® Donna Weaver and Karen Lawlor with the Wendy Slaughter Team at VYBE Realty. Donna and Karen will discuss “Unlocking Value – The Price of Condition.”
Thinking about selling? Learn how to maximize your home’s value in the current market. Discover which updates matter most, how to prepare your home strategically, and why condition can make—or break—your bottom line. We’ll reveal real before-and-after transformations and show how small investments can lead to big returns at closing.
And, as always, Donna and Karen will be available to answer any questions you may have for them.
To RSVP and receive your personal link to attend, please click here.
This presentation is open to clients, financial advisors, and the general public. 1.0 continuing education hour is available for most professionals who attend this webinar.
Should you have any questions before the presentation, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117. We look forward to hosting you!
#elvilleeducation
#elvillewebinarseries

Webinar - ABLE Accounts: A Financial Tool to Promote Health, Independence, and Financial Stability
2026-01-09 10:00 - 11:30
People with disabilities face barriers to economic and financial stability. People receiving federal and state means tested benefits such as SSI and Medicaid are not permitted to have assets over $2,000 without jeopardizing their vital benefits. This asset limit has created a cycle of poverty for people with disabilities by forcing it those receiving public benefits to spend down their assets just to maintain their benefits. The Stephen Beck Jr. Achieving A Better Life Experience (ABLE) Act, passed in 2014, has made it possible for people with disabilities to save for everyday expense and invest for the future without jeopardizing their vital benefits. With an ABLE account, people with disabilities can build self-reliance as they can save for their goals as well as pay for the additional costs of living with a disability while still maintaining waiver benefits such as food, energy and housing assistance. According to the National Association of State Treasurers (NAST) there are 214,000 ABLE accounts nationwide with $2.68 billion in assets. Still there are many people with disabilities who are not benefiting from an ABLE account because they either have not heard of ABLE or do not understand how ABLE programs work.
Presented by Maryland ABLE’s Outreach and Communications Manager Kelly Nelson, attendees of this presentation will learn about the ABLE Act, the eligibility criteria, account management process, how funds can be used to pay for qualified disabilities expenses, tax-advantaged savings and investment options, online gifting and a prepaid card for easy access to funds.
To RSVP for the webinar and receive your personal link to attend, please click here.
Should you have any questions before the webinar, please contact Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-343-8529 x117. We look forward to hosting you!
Open to clients, financial advisors, and the general public, 1.5 continuing education hours are available for most professionals who attend this presentation.
#elvilleeducation

Webinar - Estate Planning Is About Love
2026-01-23 10:00 - 11:15
Estate planning is so often viewed as a collection of documents — wills, trusts, powers of attorney, beneficiary designations. But at its heart, estate planning is something far deeper and far more human.
Estate planning is about Love.
It’s about caring enough to provide clarity for the people who matter most.
It’s about easing future burdens, reducing conflict, and preserving harmony.
It’s about protecting legacies, honoring values, and making sure your intentions are understood — not guessed at.
What You’ll Learn
During this 60-minute educational presentation, Elville and Associates’ Managing Principal Steve Elville will explore:

Why estate planning is an act of love — for yourself, your children, your spouse or partner, extended family, and future generations.
How clarity reduces stress and emotional strain for loved ones during critical life moments.
How planning protects family relationships, reduces uncertainty, and reduces the likelihood of conflict.
How proper planning reflects your values, beliefs, and wishes.
Why proactive planning is a gift — ensuring that decisions are made thoughtfully and not left to crisis, courts, or confusion.
Key legal tools (wills, trusts, powers of attorney, advance medical directives) explained in simple, empowering terms.
How “Planning for life and planning for Legacies” forms the foundation of a secure future for your family.

As always, Steve will leave ample time for your questions and thoughts.
This webinar is designed to be educational and empowering.

To RSVP for the webinar and receive your personal link to attend, please click here.
Why This Topic Now?

In our work with thousands of families over the years here at Elville and Associates, we’ve learned that the most meaningful estate plans aren’t driven by taxes, assets, or documents — they’re driven by care, connection, and responsibility.
Estate planning is one of the most loving things you can do.
You are telling the people you cherish:

“I care about you.”
“I want to protect you.”
“I want life to be easier for you when challenges come.”
“I want my values to endure.”

This webinar invites you to see your planning through that lens — the lens of love.
We Hope You Can Join Us
Whether you are new to estate planning, revisiting an existing plan, or simply want a deeper understanding of what “planning that works” truly means, this presentation will offer clarity, reassurance, and inspiration.
Questions ahead of time? Please reach out to Community Relations Director Jeff Stauffer at jeff@elvilleassociates.com, or 443-393-7696 x117.

Webinar - Life and Long-Term Care Insurance in Today’s Marketplace
2026-02-04 10:00 - 11:00
Join Elville and Associates as we welcome Max Reamer, Advisor with The Quantum Group, for an informative discussion on today’s life insurance and long-term care insurance landscape. Max will explain what to look for when securing new policies and how to effectively evaluate policies that are already in force to ensure they continue to meet your needs.
He will also provide clear insight into the underwriting process—often the first line of defense in obtaining the most cost-effective and appropriate coverage.
To RSVP and receive your personal link to attend, please click here.
If you have any questions prior to the webinar, please contact Elville and Associates’ Community Relations Director, Jeff Stauffer, at jeff@elvilleassociates.com or 443-393-7696 ext. 117. We look forward to hosting you!
#ElvilleEducation
