Cummings & Co. Realtors

Next Chapter Living: A Guide for Seniors

Your comprehensive resource for senior living, real estate transitions, estate planning, and elder care in Central Maryland.

By Deb Hayne — Seniors Real Estate Specialist (SRES®)

Get Your Free Guide

Fill in your details below to download the complete Senior Living Guide.

What's Inside the Guide

Everything you need to navigate your next chapter with confidence and clarity.

Selling & Buying Guidance

Customized plans for selling your long-held home or finding the perfect next chapter property.

Estate & Probate Basics

Clear explanations of wills, trusts, estate taxes, and the probate process so you're prepared.

SRES® Certified Specialist

Deb holds the Seniors Real Estate Specialist designation — trained to address 55+ real estate needs.

Medicare & Scam Prevention

Understand the ABCs of Medicare and learn how to protect yourself from financial scams.

"Your Local Expert. Your Negotiator Next Door."

Meet Deb Hayne

A Carroll County native and trusted real estate professional with over 13 years of experience. Deb specializes in working with seniors and 55+ homeowners, helping clients navigate downsizing, right-sizing, estate sales, and lifestyle transitions with clarity and confidence.