An LGBTQ+ financial advisor built around your life
Aequitas Financial is a fee-only, fiduciary practice for LGBTQ+ professionals, couples, and families. Virtual-first, no commissions, no asset minimums, no scripts.
Schedule a free intro callWhat does a LGBTQ+ financial advisor do differently?
A LGBTQ+ 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.
How to choose an LGBTQ+ financial advisor
Three questions separate a genuinely affirming advisor from one who put a rainbow on the website. First: are they fee-only and fiduciary at all times? That means no commissions and no product sales, so nothing they recommend pays them more than something else would. Second: do they hold your records under the right name, and will they say so before you have to ask?
Third — and this is the one that costs money if you get it wrong — can they name, unprompted, the specific mechanics that hit LGBTQ+ households? The marriage penalty on two high incomes. Beneficiary defaults that override a will. Second-parent adoption and why a birth certificate isn't always enough across state lines. Gender-affirming care as a deductible medical expense. The tax treatment of surrogacy and IVF.
If the answer to any of those is vague, keep looking. Aequitas is fee-only, fiduciary, and virtual-first across the United States — with no asset minimums, because the households that most need this planning are often the ones still building.
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.
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.
- A gay financial advisor for the way you actually live
Gay financial advisor for same-sex couples, dual-income households, and queer families. Fee-only fiduciary planning, virtual-first across the US.
- LGBTQ+ financial planning built for Los Angeles
Fee-only fiduciary LGBTQ+ financial planning for Los Angeles couples, families, and high earners. Virtual-first, no asset minimum, no commissions.
- See all services →
From the blog
- Why LGBTQ+ HENRYs Need an LGBTQ+ Financial Advisor
Why high earners not rich yet in the LGBTQ+ community need specialist planning.
- 5 Legal Documents Every LGBTQ+ Couple Needs
The non-negotiable paperwork that protects chosen family — and why it can't wait.
- How LGBTQ+ Couples Can Plan Ahead in Uncertain Times
Protective planning moves when the legal and political ground keeps shifting.
- Visit the blog →
Common questions about working with a LGBTQ+ 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