How does Prop 19 affect who we leave our house to?

Substantially. The parent-child exclusion that preserves a low property-tax base is narrow — it generally requires the child to occupy the home as a primary residence, and it's capped by value. Anyone else, including a partner you aren't married to, chosen family, or a friend, triggers a full reassessment at market value. We model the resulting tax bill so the inheritance isn't something they can't afford to keep.

What tax planning matters most in our peak earning years?

Filling the pre-tax capacity first — both retirement plans, catch-up contributions, and an HSA if you're eligible — then bunching charitable gifts of appreciated stock into a donor-advised fund in the highest-income years. If either of you has consulting income, California's pass-through entity election can recover state tax deductibility the federal SALT cap otherwise limits.

Do we have to live in East Sacramento to work with Aequitas?

No. Aequitas is fee-only and virtual-first — we work with LGBTQ+ households in East Sacramento the same way we work with clients across Sacramento and the rest of the US. This page is written for the East Sacramento 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 East Sacramento, Sacramento reviewing their financial plan

Sacramento · East Sacramento

LGBTQ+ financial planning for East Sacramento

You picked East Sac to raise a family on a public-sector income. The plan has to make the benefits, the pension, and the kids' future line up.

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

Quick answer

Is there a financial advisor for LGBTQ+ households in East Sacramento?

Yes. Aequitas Financial is a fee-only fiduciary practice serving LGBTQ+ professionals, couples, and families in East Sacramento and across Sacramento. Meetings are virtual, there is no asset minimum or commission, and plans are built around CA tax, titling, and chosen-family protections.

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

Who this is for

Built for East Sacramento LGBTQ+ households

East Sacramento is quieter, more family-oriented — established queer households, two-mom / two-dad families, and a strong public-sector professional cohort in Craftsman and Tudor single-family.

Your pension survivor election is 100% permanent and hasn't been modeled against your household.
Second-parent adoption is still on the to-do list.
No 529 open yet even though college is more than a theoretical line item.
Term life is uneven between the two partners.

On the ground

East Sacramento: established households, unfinished paperwork

East Sacramento households are usually further along — a home held for a decade or more, senior roles in state government, law, or medicine, and a low Prop 13 assessed value that makes staying put economically obvious. The planning shifts toward tax efficiency now and transfer efficiency later.

The transfer piece changed meaningfully with Prop 19: a child inheriting the home generally keeps the parent's low tax base only if they make it their primary residence, and only up to a value limit. For LGBTQ+ households leaving property to chosen family, a partner, or friends, the parent-child exclusion doesn't apply at all — the base resets, and the new owner's carrying cost can be several times yours. That's worth knowing while you can still plan around it with liquidity or insurance.

How we help East Sacramento households

Pension + 457(b) election

CalPERS / state public-sector benefits often carry a pension election with irreversible survivor-benefit choices. We model them against your household income and outside savings before you sign.

Second-parent adoption follow-through

Even with marriage, presumption laws don't travel reliably across state lines. We help you sequence and budget the second-parent adoption that makes parentage bulletproof in every state.

529s, life insurance, and the two-parent stack

Education funding, term coverage sized to what your family actually needs, and legal parentage locked down in every state you might travel through.

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 Sacramento

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

LGBTQ+ tax & cost-of-living guide: Sacramento

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

Schedule Your Intro Call

FAQ

East Sacramento planning FAQs

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 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