Nina T. Dow


Nina’s passion for trusts and estates law is driven by the client-centric nature of estate planning and the challenge of helping individuals, families, and business owners implement cohesive plans that achieve each client’s unique objectives. Nina strives to empower clients by helping them understand the law during the process.

She concentrates her practice in estate and tax planning, including plans that minimize or avoid federal and state estate taxes, special needs planning, probate and estate administration, and the preparation of federal and state estate and gift tax returns. She also helps clients with advanced wealth transfer techniques that minimize estate and income tax by structuring lifetime gifting plans and advanced estate planning vehicles such as generation-skipping trusts, qualified personal residence trusts, life insurance trusts, and intentionally defective grantor trusts.

Nina’s tax work also involves working closely with families to prepare federal and state estate tax returns following the death of a loved one. Her creative and strategic approach to estate taxation brings the best result possible for estate and trust beneficiaries.

Should a case involve the probate courts, Nina thrives on handling the complexity of estate administration in a timely fashion. Sensitive to the experiences related to the loss of a family member, she settles the deceased’s affairs in a way that prevents added stress for the clients.

For her dedication to her profession, Nina was honored as a 2019, 2020, 2021 and 2022 Super Lawyers “Rising Star.”

Nina is a frequent speaker and author on various trusts and estates topics. She is known for spotting estate planning issues that come up in pop culture such as movies and shows and then writes about them in the Mountain Dearborn blog.

Representative Experience

  • Drafts new estate plans including wills, living trusts, health care proxies, and durable powers of attorney
  • Amends estate plans, including modifying irrevocable trusts without court approval by drafting nonjudicial settlement agreements
  • Handles asset protection planning by creating trusts for people with special needs
  • Employs estate value freezing techniques such as qualified personal residence trusts
  • Drafts grantor retained annuity trusts
  • Undertakes estate tax planning using living trusts to minimize and defer payment of the federal and Massachusetts estate tax through lifetime and post-mortem planning
  • Structures estate planning involving high value retirement plans
  • Establishes educational and gifting trusts for minor children
  • Prepares federal and Massachusetts estate tax returns
  • Prepares gift tax returns
  • Handles estate administration for estates of all values


  • Worcester Public Library Foundation, Trustee
  • Worcester County Bar Association; Tax, Trusts and Estates Section
  • Massachusetts Bar Association; Tax Law Section
  • Trusts & Estates Consortium
  • National Academy for Elder Law Attorneys (NAELA)
  • Estate and Business Planning Council of Worcester County – Committee Member
  • Community Foundation of North Central Massachusetts, Professional Advisory Committee
  • Notre Dame Academy, Alumnae Committee, Marketing and Development Committee

Publications & Talks

  • “The Hide and Seek of Creditors & Debtors: Examining the Effectiveness of Domestic Asset Protection Trusts for the Massachusetts Settlor”, 27:2 QUINNIPIAC PROB. L. J. 169 (2014)
Nina T. Dow

Practice Areas

Bar Admissions

  • Massachusetts Supreme Judicial Court

  • New Hampshire Supreme Court


  • Boston University School of Law, LLM, Taxation

  • Suffolk University Law School, JD, cum laude; Journal of High Technology

  • Emerson College, BS