LGBTQ+ financial planning for Capitol Hill
Big tech comp, no state income tax, a $3M-per-person estate exemption. The upside is real — but the plan has to catch the parts that will bite you if you ignore them.
Built for Capitol Hill LGBTQ+ households
Capitol Hill is the historic core of LGBTQ+ Seattle — Amazon and Microsoft employees, healthcare workers on First Hill, and long-partnered couples in older single-family and condos.
- You work at Amazon or Microsoft, your RSUs are back-loaded / front-loaded, and the vesting schedule has never been mapped to your cash-flow needs.
- Washington's $3M estate exemption has no portability. Your house plus RSUs plus 401(k) plus term life may already be closer to that ceiling than you realize.
- You're renting on the Hill because buying looked crazy in 2022, and no one has re-run the math since rates and prices moved.
- You and your partner have been together long enough to formalize and the tax picture has never been done.
- Capitol Hill carries a $1,500–$2,200/mo LGBTQ+ safety premium over Spokane or Eastern WA — WA's no-income-tax structure is what makes it survivable, and mega-backdoor Roth is how you turn it into long-term wealth instead of just rent.
How we help Capitol Hill households
Amazon / Microsoft equity concentration
Vest schedule, 10b5-1 windows, and how much of your net worth is quietly in one ticker. We build a diversification path that respects the tax bill and the emotional attachment.
WA estate-tax bypass planning
Washington's $3M estate exemption applies per person with no portability. For dual-income tech households with equity, we build the bypass-trust structure early — before a Roth 401(k), a house, and vested RSUs quietly cross the line.
Marriage-penalty and filing-status modeling
Two high W-2s stacked can cost you real money at federal and state brackets. We run the numbers before you decide when — or whether — to formalize.
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 Seattle
The city-wide overview: how Aequitas works with Seattle LGBTQ+ households across cash flow, tax, investing, and estate.
Read moreLGBTQ+ tax & cost-of-living guide: Seattle
State income tax, property tax, estate tax, and LGBTQ+ planning overlays specific to Seattle.
Read moreCapitol Hill 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