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      <image:title>Contact Us</image:title>
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      <image:title>Contact Us</image:title>
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      <image:title>Contact Us</image:title>
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    <loc>https://www.estatecapmgt.com/home-soon</loc>
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    <loc>https://www.estatecapmgt.com/investments</loc>
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      <image:title>Investments - Trust &amp; transparency We’ll let you know exactly what you’re getting. That means clarity around fees, risks and possible outcomes.</image:title>
      <image:caption>A personal approach Our focus is on your life, your family and your priorities, not just your portfolio. That’s why we start by learning what matters most to you.</image:caption>
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      <image:title>Investments - Dream it</image:title>
      <image:caption>Everyone’s goals are unique. Your path to pursue them should be, too. That’s why we get to know who you are and what matters most to you before tailoring a personalized strategy to help you get there.</image:caption>
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    <loc>https://www.estatecapmgt.com/estate-planning</loc>
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    <lastmod>2020-10-05</lastmod>
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      <image:title>Estate Planning</image:title>
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      <image:title>Estate Planning</image:title>
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      <image:title>Estate Planning</image:title>
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    <loc>https://www.estatecapmgt.com/new-page</loc>
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    <lastmod>2020-09-30</lastmod>
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      <image:title>Life Insurance</image:title>
      <image:caption>What would happen to your family’s dreams, ambitions and finances should an unexpected death occur? Life insurance can provide your family with the means to maintain their standard of living, take care of your final expenses, pay for a child’s education, pay off mortgages or debt, and so much more. If you’re still not convinced, consider this: if you or your spouse died unexpectedly, would your income be enough to support your current lifestyle? Could you still pay all your bills? Your mortgage? Your car loans? Credit cards? College funds? Without the income from your loved one, what will happen to your family? Will you need to move? This is why Life Insurance was created: to provide you a replacement of lost income if the worst possible event happens. Losing a loved one is tragic, but peace-of-mind can be a saving grace — knowing that you took the steps to ensure your family is taken care of in the event of a loss.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f64ed21a0a57c63df3a0373/1601388955257-5WBCJ9HBSQOULS1DDKH9/life-insurace.JPG</image:loc>
      <image:title>Life Insurance - Term Life Insurance is a good option for those who only need coverage for a select term of years. These policies provide the most coverage for your dollar and fit your temporary needs. However, many of these Term Life Insurance polices are renewable or convertible to Whole Life Insurance coverage.</image:title>
      <image:caption>Whole Life Insurance provides coverage for the insured’s lifetime. Premiums are guaranteed and level for the life of the policy. Whole Life policies build cash value that the policy owner can borrow against during the insured’s lifetime. We are available to conduct a life insurance needs analysis to help ensure that you have the coverage you need and the protection your family deserves.</image:caption>
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    <loc>https://www.estatecapmgt.com/property-casualty</loc>
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    <lastmod>2020-09-30</lastmod>
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      <image:title>Property &amp; Casualty</image:title>
      <image:caption>Protecting what is important to you is important to us. From annual insurance check-ups to evaluating your current and future coverage, we have the expertise to assist you with all your personal insurance needs. We offer high-quality personal insurance plans and exceptional service. We provide our clients with the best coverage for the best price.</image:caption>
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      <image:title>Property &amp; Casualty - Casualty insurance is a broad category of insurance coverage for individuals, employers, and businesses against loss of property, damage, or other liabilities. Casualty insurance includes vehicle insurance, liability insurance, and theft insurance. Liability losses are losses that occur as a result of the insured’s interactions with others or their property. For homeowners or car owners, it's important to have casualty insurance as damage can end up being a large expense. In addition to auto and liability insurance, casualty insurance is an umbrella term traditionally used to describe many other types of insurance, including aviation, workers' compensation, and surety bonds.</image:title>
      <image:caption>Property insurance can include a number of policies, such as homeowners insurance, renters insurance, flood insurance, and earthquake insurance. Personal property is usually covered by a homeowners or renters policy. The exception is personal property that is very high value and expensive—this is usually covered by purchasing an addition to the policy called a "rider." If there's a claim, the property insurance policy will either reimburse the policyholder for the actual value of the damage or the replacement cost to fix the problem.</image:caption>
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    <lastmod>2021-02-19</lastmod>
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      <image:title>Affiliations</image:title>
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    <lastmod>2020-09-30</lastmod>
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    <lastmod>2020-10-05</lastmod>
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      <image:title>About Us</image:title>
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      <image:title>About Us</image:title>
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      <image:title>About Us</image:title>
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  <url>
    <loc>https://www.estatecapmgt.com/wealth-management</loc>
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    <lastmod>2020-09-30</lastmod>
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      <image:title>Wealth Management</image:title>
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      <image:title>Wealth Management</image:title>
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  <url>
    <loc>https://www.estatecapmgt.com/covid19-market-impacts</loc>
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    <lastmod>2020-09-30</lastmod>
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    <lastmod>2020-09-30</lastmod>
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    <lastmod>2023-02-02</lastmod>
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      <image:title>Meet The Owner - Carlos Moniz CEO</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
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    <lastmod>2025-05-12</lastmod>
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