Fee-only financial advisors for LGBTQ+ individuals and families.
LGBTQ+ financial planning has specific complexities: estate planning for non-biological children, surrogacy and adoption costs, state-level marriage/partnership variations affecting benefits, healthcare access and gender-affirming care funding, Social Security spousal-benefit nuances for same-sex couples who married post-Obergefell, and higher-than
Situations we handle
- Estate planning for a non-biological child — how do we lock it in?
- Surrogacy costs — how do we plan financially?
- Same-sex couple married in 2019 — Social Security spousal benefits?
- Gender-affirming care — how do I fund?
- Domestic partnership vs marriage — state tax and benefits differences?
- Chosen family beneficiaries — how to structure?
Why a specialist. A general advisor who is technically competent but hasn't worked with LGBTQ+ families regularly can miss or mishandle the edge cases: a will that doesn't hold up in state X, a beneficiary form that bypasses intent, a health-insurance election that excludes a non-married partner. A specialist who has modeled hundreds of LGBTQ+ cases is worth finding.
Tools & guides
Same-Sex Couple Social Security Strategy
Model Social Security claiming for same-sex couples including survivor optimization — eligibility for pre-Obergefell relationships affects historical claims.
LGBTQ+ Financial Planning Guide
Detailed framework — rules, tradeoffs, and common mistakes.
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