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LGBTQIA

Competent and Creative Planning

Competent and Creative Planning

Members of the LGBTQIA community often have unique financial needs, including family planning and health care needs. As a CFP Professional who specializes in working with LGBTQIA families I can provide compassionate and competent solutions to your estate planning and retirement planning needs. 

Customized Portfolios Because Ethics Matter

Customized Portfolios Because Ethics Matter

Not all investments are about the return. If you’d like your portfolio to focus more on companies that are more in line with your personal values we will work with you to make sure that your portfolio aligns with your standards for ethics, governance, environment and in particular, a company's social commitment.

You might want to invest in companies that have taken responsibility for their employees as well as their impact on the societies in which they operate. For instance, you might want to support those companies that respect employees and the working conditions, labor rights, and are working diligently to provide diversity in the workplace. These may be companies that you want to invest in. We take the time to get to know you, your goals, and your values so we can accommodate your investment needs. 

Wedding Plans in your future?

Wedding Plans in your future?

Managing money as a pair may not be new, however, marriage can bring a wholly different financial framework to a relationship. Members of the LGBTQIA community can face unique financial considerations from family planning to health care needs.

For couples who decide to tie the knot, it’s important to review your financial plans and understand the impact it may have. 

Tax considerations 
Recently married couples often discover the so-called marriage penalty. There may be as tax increase once incomes are combined and they file jointly. Consider taking advantage of tax-deferred retirement saving plans like 401(k)s and traditional Individual Retirement Accounts to reduce taxable income.

 Family planning and college savings
LGBTQIA couples planning to have children may have additional expenses to plan for such as paying for fertility specialists, sperm or egg donors, a surrogate or adoption, which can easily cost several thousands of dollars. It may take a couple of years to save up enough for these expenses.  We can help guide you given your time horizon and goals. Once kids arrive, couples should take advantage of 529 plans, which offer a tax-efficient tool for saving for education.