Do we have to live in Palm Desert to work with Aequitas?

No. Aequitas is fee-only and virtual-first — we work with LGBTQ+ households in Palm Desert the same way we work with clients across Palm Springs and the rest of the US. This page is written for the Palm Desert demographic, not as a residency requirement.

Is there a minimum account size?

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

What happens on the intro call?

Twenty minutes, video or phone. We ask what you're actually trying to figure out, share how Aequitas would approach it, and decide together whether an engagement makes sense. No pressure, no product pitch.

LGBTQ+ couple in Palm Desert, Palm Springs reviewing their financial plan

Palm Springs · Palm Desert

LGBTQ+ financial planning for Palm Desert

You've earned the ability to stop thinking about money. That only holds if the sequencing is done right — Social Security, RMDs, IRMAA thresholds, and coverage.

Schedule a free intro call 20 minutes · video or phone · no product pitch

Who this is for

Built for Palm Desert LGBTQ+ households

Palm Desert is the largest Coachella Valley city and hosts a broad mix of LGBTQ+ retirees, snowbirds, and year-round residents across gated single-family and condos.

You haven't decided on Social Security claiming age and it may not be a joint decision that's been modeled.
RMDs are coming and no one has looked at whether Roth conversions before then would save you real money.
IRMAA thresholds are quietly triggered by one-time capital gains and no one is watching them.
Long-term care planning is missing from the conversation.
Palm Desert's LGBTQ+-comfortable pockets carry a $700–$1,200/mo safety premium over further-inland desert options — worth modeling into the RMD and IRMAA plan so a surprise year doesn't quietly force a move.

How we help Palm Desert households

Retirement withdrawal sequencing

Which bucket to pull from and when — taxable, traditional, Roth, Social Security timing, Medicare IRMAA thresholds — so your income lasts and your tax bill doesn't spike.

Roth conversion timing

The lower-income years between careers, sabbaticals, or before RMDs are the ones to fill up cheap Roth space. We map the multi-year plan instead of one-off flips in December.

Medicare, IRMAA, and long-term care

Original Medicare vs. Advantage, supplemental coverage, and the LTC conversation most couples don't have until it's late — mapped into your household plan.

Next step

Go deeper, or just talk to us

Skim the broader context if you want more before reaching out — or book the call and we'll cover it live.

LGBTQ+ financial advisor in Palm Springs

The city-wide overview: how Aequitas works with Palm Springs LGBTQ+ households across cash flow, tax, investing, and estate.

LGBTQ+ tax & cost-of-living guide: Palm Springs

State income tax, property tax, estate tax, and LGBTQ+ planning overlays specific to Palm Springs.

Schedule Your Intro Call

FAQ

Palm Desert planning FAQs

Ready to talk through your plan?

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