Do I have to live near you to work with Aequitas?

No. We work with LGBTQ+ clients across the United States entirely virtually — secure document portal, encrypted video meetings, and digital signatures. The plan is the same whether you're a block away or across the country.

What does 'fee-only fiduciary' actually mean?

Fee-only means we are paid directly by you — no commissions, no product sales, no kickbacks. Fiduciary means we are legally required to put your interests ahead of our own. Together they remove most of the conflicts of interest baked into traditional financial advice.

Is there a minimum account size?

No asset minimum. Engagements are priced based on planning complexity, not portfolio size, so we can work with high earners who are still building wealth — not just clients who already have it.

How is this different from a generic financial advisor?

LGBTQ+ planning isn't a side specialty — it's the practice. Marriage-penalty modeling, surrogacy and IVF cash flow, second-parent adoption, beneficiary audits for chosen family, and the legal patchwork queer couples actually live with are baked into every engagement.

LGBTQ+ couple reviewing financial plans together at home

Gay Financial Advisor

A gay financial advisor for the way you actually live

Q: How do I get started?

Schedule a free intro call. We'll walk through where you are, what you're trying to figure out, and whether an engagement makes sense. Zero pressure — most calls end with a recommendation, not a pitch.

DINKs, dual-income couples, surrogacy plans, RSU comp, and the marriage penalty — we plan for the financial life gay couples actually have, not a generic template.

Schedule a free intro call

Quick answer

What does a gay financial advisor do differently?

A gay financial advisor plans around the household you actually have. That means beneficiary and titling audits for unmarried or chosen-family structures, filing-status and equity-comp modeling for two high earners, and family-building costs budgeted up front — all under a fee-only fiduciary standard with no commissions or product sales.

Source: CFP Board — Code of Ethics & Standards of Conduct

Why this practice exists

What gay households run into that generic advice misses

Two high incomes and no dependents is not the profile most planning software was built for. Dual-earner gay couples get hit by the marriage penalty at the top brackets, phase out of nearly every deduction and credit, and often carry two separate equity-comp packages that quietly concentrate the household's net worth in one or two employers.

Then there's the cost of building a family. Surrogacy runs six figures and rarely gets meaningful insurance coverage. Adoption has its own timeline and cash-flow shape. Both need a funding plan years before the first invoice, and both change the estate and beneficiary picture the day a child arrives.

Aequitas is fee-only and fiduciary. No commissions, no product sales, no quotas — just planning built around the actual math of a gay household, delivered virtually anywhere in the United States.

What we plan together

Cash flow & dual-income coordination

Two high earners means two paychecks, two benefits packages, and two sets of decisions. We map them into one plan that respects both partners' goals.

Tax planning for partners & spouses

Filing-status modeling, RSU and equity-comp coordination, and proactive moves around the marriage penalty — not a return drop-off in April.

Investing aligned with your values

Low-cost, evidence-based portfolios that can also screen for LGBTQ-friendly employers, ESG, or whatever 'aligned' means for you.

Estate & beneficiary protections

Wills, trusts, healthcare directives, and beneficiary audits so the people you actually chose are protected — not the people state default rules pick.

Family planning costs

IVF, surrogacy, adoption, and second-parent adoption modeled into your cash flow and savings plan, not improvised later.

Retirement & financial independence

Roth vs. traditional, mega-backdoor, HSA, and FI math — built for two careers that don't always look linear.

Same-sex partners working with a financial advisor

Related planning pages

LGBTQ+ financial planning
The main guide: what LGBTQ+ financial planning covers, how we work, and where to start.
A queer financial advisor who actually gets it
Queer financial advisor for LGBTQ+ professionals, couples, and chosen families. Fee-only, fiduciary, virtual-first — no commissions, no asset minimums.
An LGBTQ+ financial advisor built around your life
LGBTQ+ financial advisor for couples, families, and high earners. Fee-only, fiduciary, virtual-first planning built specifically for queer financial lives.
LGBTQ+ financial planning built for San Francisco Bay Area
Fee-only fiduciary LGBTQ+ financial planning for San Francisco Bay Area couples, families, and high earners. Virtual-first, no asset minimum, no commissions.
See all services →

From the blog

Why Gay Men in Tech Need a Gay Financial Planner
RSUs, equity comp, and the planning questions specialist advisors actually understand.
The Marriage Penalty: What High-Earning Same-Sex Couples Need to Know
How the tax code punishes dual high-income couples — and what to do about it.
Why LGBTQ+ HENRYs Need an LGBTQ+ Financial Advisor
Why high earners not rich yet in the LGBTQ+ community need specialist planning.
Visit the blog →

FAQ

Common questions about working with a gay financial advisor

About the advisor

Aequitas Financial was founded by Taylor Bell, a fee-only fiduciary planner. LGBTQ+ planning isn't a side specialty here — it's the practice.

This page is part of our wider guide to LGBTQ+ financial planning — how fee-only, fiduciary planning works for queer households, and which topic to start with.

Ready to get started?

On a free intro call we'll walk through where you are, what you're trying to figure out, and whether an engagement makes sense — no pressure.

Schedule Your Intro Call