LGBTQ+ financial planning built for Washington DC

The DC metro has one of the highest concentrations of LGBTQ+ adults in the country, and the planning surface is unusually varied. A GS-15 with TSP, FERS, and locality pay has a completely different picture than a biglaw partner on a K-1, a State Department officer on a foreign-service pension, or a consulting-firm principal with deferred comp. Most generic DC advisors default to one profile and miss the rest.

The DMV also spans three jurisdictions — DC, Maryland, and Virginia — each with its own income tax rules, estate tax thresholds, and quirks. For dual-income same-sex couples living in Arlington while one works in DC and the other in Bethesda, the coordination isn't optional: it's the plan. Add DC's own estate tax (at a much lower threshold than federal) and long-term planning gets real fast.

Federal benefits are their own layer. TSP contribution strategy, FERS supplement, foreign-service and CIA pension elections, survivor benefits for same-sex spouses, and how all of that coordinates with a civilian partner's 401(k) or equity comp is not a generic conversation. Neither is planning around clearance-holder financial-disclosure requirements. Aequitas is virtual-first, so what you get is a plan built around your actual life — not a downtown-DC office overhead built into the fee.

And for LGBTQ+ couples building families in the DMV, surrogacy and IVF financial planning, second-parent adoption, and estate documents that hold up across state lines all come up early. Read more about our approach or start with a free intro call.