LGBTQ+ financial planning for The Castro
You've been here through every version of the Castro. The plan behind your life should be as specific as your history is.
Built for The Castro LGBTQ+ households
The Castro anchors long-partnered queer households in Victorian flats, TICs, and condos — plus renters in rent-controlled units weighing whether to buy or hold.
- You own a TIC and the condo-conversion path has been dangling for years with no clear timeline or exit math.
- You're in a rent-controlled unit and the buy vs. keep-renting math is genuinely non-obvious.
- Your Prop 13 base is one of your biggest assets and the estate documents don't protect its transfer to a partner or heir under Prop 19.
- Your trust was written before Obergefell and hasn't been touched since.
- The Castro carries a $2,200–$3,500/mo LGBTQ+ safety premium over Sacramento or the Central Valley — a premium your rent-controlled unit or long-held TIC has quietly been absorbing for years. It's central to what the plan is really protecting.
How we help The Castro households
TIC / condo / rent-control math
TIC-to-condo conversion timelines, Ellis Act exposure, and rent-controlled unit math on the sell/hold decision — SF-specific pieces most generic advisors won't touch.
The Prop 13 reset math
Your property-tax base locks the day you buy. We model the full monthly nut of a Castro purchase against your rent — including the reset — before you fall for a place at an open house.
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 Castro couples wrote a decade ago and haven't looked at since.
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 San Francisco Bay Area
The city-wide overview: how Aequitas works with the Bay Area LGBTQ+ households across cash flow, tax, investing, and estate.
Read moreLGBTQ+ tax & cost-of-living guide: the Bay Area
State income tax, property tax, estate tax, and LGBTQ+ planning overlays specific to the Bay Area.
Read moreThe Castro 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