When can I actually retire from federal service?

It depends on your MRA and years of service, and the details move the number more than people expect: unused sick leave adds to creditable service, the FERS supplement bridges to 62 if you retire eligible for it, and continuing FEHB into retirement requires five years of enrollment beforehand. We model the annuity, the supplement, TSP withdrawals, and Social Security timing as one income plan.

What should LGBTQ+ parents in DC have in place?

DC law is among the more protective, but the strongest protection is still a court judgment — confirmatory or second-parent adoption for a non-genetic parent, which is entitled to full faith and credit in every state. Add wills naming guardians, powers of attorney with HIPAA authorizations, and medical consent authorizations for the children, and keep copies accessible when you travel.

Do we have to live in Capitol Hill to work with Aequitas?

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

DC · Capitol Hill

LGBTQ+ financial planning for Capitol Hill

You've built this over years. The plan should be about protecting it — TSP or foreign-service pension elections, DC bypass-trust structure, and adoption follow-through.

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

Quick answer

Is there a financial advisor for LGBTQ+ households in Capitol Hill?

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

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

Who this is for

Built for Capitol Hill LGBTQ+ households

Capitol Hill is established and higher-priced with a steady LGBTQ+ presence — long-partnered rowhouse owners, senior federal staff, foreign-service officers, and biglaw partners.

TSP allocation and rollover strategy hasn't been reviewed since the last agency change.
Foreign-service or FERS pension survivor elections are irrevocable and haven't been modeled against a same-sex spouse's income.
DC's ~$4.53M estate exemption without portability quietly catches a paid-down rowhouse + TSP + brokerage.
Second-parent adoption for older kids is still incomplete, and estate documents don't travel well across state lines.

On the ground

Capitol Hill: rowhouses, families, and long federal careers

Capitol Hill households are often established — a rowhouse held for a decade or more, a long federal or association career, and children or a family plan in progress. The rowhouse is usually the largest asset and carries specific costs: historic district requirements can make renovation meaningfully more expensive, and older systems need a funded maintenance reserve rather than a credit line.

For federal employees deep into a career, the retirement decision has more moving parts than a private-sector one: the FERS annuity calculation and the value of unused sick leave, the FERS supplement before 62, TSP withdrawal strategy, the survivor annuity election, and FEHB continuation into retirement. On the family side, DC law is protective of LGBTQ+ parents, but we still recommend a court judgment of parentage for non-genetic parents — a judgment travels between states, and a birth certificate may not.

How we help Capitol Hill households

Federal comp: TSP, FERS & foreign service

TSP allocation and rollover strategy, FERS supplement timing, foreign-service pension elections, and survivor benefits for same-sex spouses — coordinated with the rest of the plan.

DC estate-tax bypass structure

DC's estate-tax exemption is $4.53M with no spousal portability. For long-partnered couples with a house, a 401(k), and life insurance, that ceiling arrives faster than you think — we build the trust structure that keeps it from becoming a problem.

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.

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 Washington DC

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

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

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

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FAQ

Capitol Hill 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