Lead generation for financial advisors in Maryland.
Maryland has 1,102,000 residents aged 65 and over, 17.7% of the state and 20th of 50 states by count. Its retirement income and estate rules turn on account type and on who inherits. That detail is where a planning-first advisor earns trust.
Who you are actually talking to in Maryland.
Maryland's pension exclusion covers employer plans but not IRAs, and the state levies both an estate tax and an inheritance tax, so account type and beneficiary choices carry a real state cost.
Source: U.S. Census Bureau, vintage 2024 population estimates (sc-est2024-agesex-civ), civilian population aged 65 and over.
What Maryland pre-retirees are actually asking about
Maryland's rules turn on the type of account, the heir and, since 2025, large capital gains. Verified against the Maryland Code and the General Assembly's bill records and fiscal notes on 2026-09-24.
Pension exclusion at 65 covers employer plans, not IRAs
At 65 or older, each spouse can exclude employer plan income, such as pension, 401(k), 403(b) and 457(b) payouts, up to a cap tied to the maximum Social Security benefit ($41,200 for tax year 2025), less Social Security and railroad retirement received. IRAs, Roth IRAs, rollover IRAs and SEPs do not qualify.
An estate tax and an inheritance tax
Maryland's estate tax exemption is $5,000,000 for deaths on or after January 1, 2019, plus any unused exclusion of a deceased spouse. Separately, a 10% inheritance tax applies to property passing to heirs outside an exempt family list that includes spouses, children, grandchildren, parents, grandparents and siblings.
A 2% capital gains surtax above $350,000 of income
From tax year 2025, Maryland adds a 2% surtax on certain net capital gain when federal adjusted gross income exceeds $350,000. Gain on a primary residence sold for less than $1.5 million and assets in specified retirement savings plans are exempt. The same law added 6.25% and 6.5% top income tax brackets.
HB 707 of 2026, which would have brought IRAs into the pension exclusion, never left committee and is not law. The exclusion cap is indexed to Social Security, so it changes each year.
The same system, run in Maryland.
Intent-driven ads
Hyper-targeted campaigns built to create intent, not just impressions. Pre-retirees in your market meet educational content first, so they arrive already wanting a planning conversation.
Consent and verification
A multi-step survey plus prior express written consent, then phone and email validation. Every contact belongs to one advisor only. Never shared, never resold, never recycled.
Appointment setting
Our team confirms the call, sends your content ahead of it and handles follow up. Or you run the cadence yourself with our system.
Coaching to close
Discovery scripting, objection handling and post-call review, with the full funnel tracked from first contact to signed client.
Where else the program performs.
We run the same system in every state. Every one has its own page.
See everything we do across the United States, or the full map of where we work.
Let's build your pipeline in Maryland.
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