LGBTQ+ financial planning for The Avenues
You've built this over decades. The plan should be about protecting it — trust structure, gifting, and adoption follow-through for adult kids.
Is there a financial advisor for LGBTQ+ households in The Avenues?
Yes. Aequitas Financial is a fee-only fiduciary practice serving LGBTQ+ professionals, couples, and families in The Avenues and across Salt Lake City. Meetings are virtual, there is no asset minimum or commission, and plans are built around UT tax, titling, and chosen-family protections.
Built for The Avenues LGBTQ+ households
The Avenues is established and higher-priced with a steady LGBTQ+ community — long-partnered couples, academics, healthcare professionals, and older families formalizing.
- Federal estate exemption is $15M per person for 2026 under the OBBBA (permanent, indexed) — for long-partnered Avenues households, lifetime gifting still moves future appreciation out of the estate.
- Trust exists but hasn't been reviewed since drafting.
- Second-parent adoption for older kids is still incomplete.
- Withdrawal sequencing for retirement is undecided.
The Avenues: historic homes, modern balance sheets
The Avenues holds Salt Lake's oldest housing stock and a concentration of physicians, attorneys, university faculty, and established professionals. Two financial themes recur: the real cost of maintaining a century-old home, and the benefits complexity that comes with academic and hospital employment — 403(b) plus 457(b) plans, sometimes a defined benefit component, and disability coverage that is often inadequate for a high earner.
That disability point deserves emphasis. Group long-term disability typically replaces around 60% of base salary, excludes bonus and incentive income, and is taxable when the employer pays the premium — meaning a physician's realistic replacement rate can land near a third of actual income. A supplemental own-occupation policy purchased individually closes that gap and is portable if you change employers.
How we help The Avenues households
Estate documents that actually reflect your life
Wills, trusts, healthcare directives, and beneficiary audits refreshed for who you actually chose — not defaults written for someone else's family. Especially the pieces most The Avenues couples wrote a decade ago and haven't looked at since.
DAF + charitable stacking
Bunching donations into a donor-advised fund in high-income years to clear the standard deduction — and directing the giving to LGBTQ+ orgs that matter to you.
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.
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 Salt Lake City
The city-wide overview: how Aequitas works with Salt Lake City LGBTQ+ households across cash flow, tax, investing, and estate.
Read moreLGBTQ+ tax & cost-of-living guide: Salt Lake City
State income tax, property tax, estate tax, and LGBTQ+ planning overlays specific to Salt Lake City.
Read moreThe Avenues 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.
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