LGBTQ+ financial planning, built around how you actually live
Fee-only, fiduciary, virtual-first planning for LGBTQ+ professionals, couples, and chosen families. No commissions, no product sales, no asset minimums — and no assumptions about what your household is supposed to look like.
Schedule a free intro callWhat LGBTQ+ financial planning actually means
It is comprehensive financial planning — cash flow, tax, investments, insurance, retirement, estate — with the default assumptions removed. Most plans quietly assume a married couple with one primary earner, recognized parentage, and a family that is treated the same way in every state they set foot in. When those assumptions are wrong, the plan is wrong in ways that do not show up until the worst possible moment.
For LGBTQ+ households, the specifics tend to cluster: two strong incomes that trigger a marriage penalty instead of a bonus, equity compensation that concentrates net worth in a single employer, six-figure family-building costs paid out of pocket, parental rights that depend on a court order rather than a birth certificate, and beneficiary defaults that can route your assets to relatives you have not spoken to in a decade.
None of that requires a different kind of math. It requires a planner who checks those assumptions first instead of inheriting them — and who does not need you to explain your family before the work can start.
What we plan together
Eight areas that come up in nearly every LGBTQ+ planning engagement. Some households need all of them. Most need three or four to be handled well.
Couples & household strategy
Filing status, income splitting, whose name holds what, and how two careers share one balance sheet — married or not.
Equity compensation
RSUs, ISOs, ESPP, and concentrated stock. When to sell, what it costs in tax, and how to stop one employer from owning your net worth.
Tax planning under OBBBA
2026 brackets, the SALT and deduction changes, backdoor Roth mechanics, and the marriage penalty that hits dual high earners hardest.
Estate & legal protections
Wills, trusts, powers of attorney, HIPAA authorizations, and beneficiary designations that name the people you actually choose.
Family building
IVF, reciprocal IVF, surrogacy, adoption, and second-parent adoption — the real cash-flow plan, not a vague savings goal.
Risk & insurance
Disability, life, and umbrella coverage sized to your household, with beneficiary structures that survive a state-line crossing.
Retirement & withdrawal
401(k), Roth conversions in the gap years, Social Security claiming for same-sex spouses, and staying under IRMAA thresholds.
Gender-affirming care
Cost planning, tax treatment of medical expenses, appeals when coverage is denied, and the timing that keeps care affordable.
How the engagement works
Fee-only and fiduciary. You pay Aequitas directly. There are no commissions, no product sales, and no referral revenue, so the advice you get is simply the advice.
Virtual-first, nationwide. We work with LGBTQ+ clients across the United States. No office overhead in the fee, and no requirement that you live near one.
Coordinated, not handed off. Where an attorney or CPA is involved, we quarterback the financial side so the documents you sign and the accounts you hold actually agree with each other.
No asset minimum. Planning is priced on complexity, not portfolio size — which matters for high-income households whose liquidity has not caught up to the paycheck yet.
Go deeper on a specific topic
Each of these is a full guide in its own right. Start wherever your situation is loudest.
Financial planning for same-sex couples
Two incomes, one plan — filing status, the marriage penalty, and joint-versus-separate decisions.
LGBTQ+ estate planning
Wills, trusts, healthcare directives, and the beneficiary review that quietly decides everything.
LGBTQ+ family building
What IVF, surrogacy, and adoption actually cost, and how to fund them without derailing retirement.
High earner, not rich yet
Big paycheck, thin liquidity. The plan for households earning well before the wealth shows up.
Marriage recognition & your finances
What changes if recognition changes, and the protections that hold either way.
Life insurance & beneficiaries
Getting coverage as an LGBTQ+ applicant, and naming beneficiaries that hold up.
Gender-affirming care planning
The financial mechanics — deductions, appeals, and timing — of paying for care.
Social Security & IRMAA
2026 brackets, the two-year lookback, and how to avoid a surcharge you never saw coming.
LGBTQ+ financial planning by city
We work nationwide and virtually, with dedicated guides for the metros where LGBTQ+ households face the sharpest cost-of-living and tax tradeoffs.
LGBTQ+ financial planning, common questions
About the advisor
Aequitas was founded by Taylor Bell, a fee-only fiduciary planner. LGBTQ+ households are the practice — not a side specialty — and every engagement is handled personally. You can also read the 2026 LGBTQ+ Household Financial Planning Report for the data behind how we plan.
Level Ground
The playing field isn't level — but level ground starts here.
- Why the financial playing field isn't level for LGBTQ+ families — and how to change that
- The legal and financial protections that put you on equal footing
- How to plan and budget for surrogacy, adoption, and the milestones that matter most
Join 350+ LGBTQ+ professionals taking control of their financial future.
Start with a conversation
A free intro call: what's already working, where the gaps are, and what an engagement would look like. No pitch, no pressure.
Schedule Your Intro Call