Should you hire a gay LGBT financial planner or at least a gay-friendly one? Gay financial planning, providing a safe haven for my LGBT brothers and sisters seeking sound fiduciary financial advice has turned into a substantial part of my livelihood, thank you very finabcial. For the record, my client base is full of wonderfully successful people of all races, genders, and sexual orientations, all of whom are vehemently supportive of those belonging to other races, genders, and sexual orientations.
Those of us who live in gay-friendly climes acknowledge that legal marriage equality notwithstanding, great swaths gay sauna baden baden this country inside and outside of our paradises still despise us, as they always have, for those we choose to love.
Unfortunately, the financial sector seems to harbor way more than its https://sjmphotography.info/gay-mexican-cruising.php of homophobic dickheads.
It may be evolving but to my mind, not nearly fast enough. Some clients were turned away or ignored based on their sexual identity. Donald Trump and a dispirited troop of increasingly desperate Republican stragglers are all vowing to repeal marriage equality.
But what does this all have to do with your finances? Can they? The same goes for those backing officials closer to home who champion anti-gay legislation on a local level. The flip side of this is Pete Buttigieggreat to see an openly gay Presidential candidate taken seriously. But I do suggest that gay financial planning stay alert for the respect, sophistication, and grace that are as essential to do this job well as are financial savvyethics, and integrity.
In a fun twist, I have worked with a large number of straight couples who also chose to work with me because I am a great financial planner- who happens to be gay. Making gay financial planning as fun as humanly possible. Scraping together enough https://sjmphotography.info/gay-straight.php for retirement is hard enough; no reason to weigh yourself down with some dead weight.
Back in the Dark Ages i. Hopefully most of those tax, financial, and estate tax nightmares are behind us, gay financial planning. Meanwhile, planninng to home, you deserve to have a financial planner — gay or gay-friendly will work just fine — who supports the very essence of your being. As a gay financial planner — stuck at home- I plannong to share six ways everyone can fabulously show pride in their […]. Your email address will not be published.
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Taking the lessons of this guide to heart, gay financial planning, can help you deal with these important planning issues. Avoid these mistakes:. Avoid these mistakes: Not understanding the marriage in shop sex gay Ignoring the long term benefits of marriage Forgetting about the tax impact of your investments Read article too much investment risk as a gay financial planning Failing to update your estate plan.
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Many gay financial planning couples have been together long before marriage equality existed. Prior togay financial planning, two single people could file separately and pay less tax than if they were married.
Without getting into details, the tax law greatly reduced the marriage penalty. This only impacts gay financial planning couples who itemize deductions, which are very few.
Similar to the SALT deduction, marriage could limit mortgage interest deductions. This limit is doubled if a couple is not married. One big benefit of a partnership whether you are married or not is financial https://sjmphotography.info/gay-kino-dortmund.php. Two people sharing housing costs, utilities, insurance, food, travel, and all sorts of other expenses has a huge positive impact on the financial stability of both partners.
When it comes to investing, there are also benefits for couples — whether they are married or not. Some couples choose to keep their investments separate. Each partner has their own allocation between stocks and bonds. This is perfectly fine and a personal choice. Doing this can lower costs of the combined portfolio and improve tax-efficiency. This can result in higher Social Security benefits if one spouse is a lower wage earner. This benefit survives even if the couple divorces so long as the marriage lasted at least 10 years and the lower wage earner does not remarry.
Marriage provides many source when one spouse dies. Here are just a handful of important benefits for married couples:. This saves on taxes especially if the surviving spouse is still working. And currently, Congress is about to pass legislation requiring all inherited IRAs gay financial planning fully distributed within 10 years.
The surviving spouse can sell the home with no taxes, even if the home value has increased drastically since they bought the home together. Most pensions required couples to be married or in a domestic partnership in order to qualify for the survivor benefit options.
Overall, the negative tax consequences of getting gay financial planning have been gay sex reduced. Always keep in mind though, get married if you want to. Before you consider the financial planning aspect, your primary consideration should be whether or not you want to get married! Investing One big benefit of a partnership whether you are married or not is financial stability.
Death and Taxes Marriage provides many protections when one spouse dies, gay financial planning. Here are just a handful of important benefits for married couples: — A surviving spouse can roll over any retirement accounts IRA, kbTSP into their own name. Marriage is a big decision, gay financial planning. Previous Post Who do you want click to see more handle your financial planning?
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But hoo boy, my friends, these are far from ordinary times. We all know Gays do it better. The demographic truth is that that the financial planning industry — my industry — is mostly older, whiter and more socially conservative that the population as a whole. Some, in gay financial planning, may gay financial planning blatantly hostile to them.
What difference does any of this make when gay financial planning comes to financial planning? Quite simply, the way you spend and allocate your money has everything to do with who you are and how you live.
It follows that if someone has a visceral prejudice against your very existence, how can you trust them to have your best interests at heart? Might as well have a financial planner that is gay financial planning fabulous as your are. They learn more here be nice guys, but wow do we see the world differently, gay financial planning.
A gay financial planner will more likely share your social and political views. Why is this important? In a nutshell it gets down to trust and empathy, gay financial planning.
This is an unfortunate by-product about how our brains are wired. But the moral and ethical implications of neuroscience are a conversation for another day. Hopefully, this means hiring someone you can trust. If you find that you can more easily trust someone who is financiao or gay-friendly, then so be it.
Then there is the business of making your money walk the talk. For all the gay alt-right Peter Thiels or self-hating homophobic Milo Yiannopoulouses out gay alter, there are millions more of us who want to put our money where our hearts are and support our brethren not gay pride hunk turns LGBT businesses.
This is a supposedly trustworthy person whose brief is to guide you towards financial freedom. Two glaring problems read more themselves here:.
Financial Planning for couples gay or straight is not a solo sport. The difference olanning not plannng dramatic now, but can prove quite fniancial over time.
With that equality comes all the rights and responsibilities of marriage. When it comes to income taxes and estate planning, this has really helped level the playing field for LGBT citizens by granting access to spousal benefits like Social Security and additional retirement account options. But alas, gay financial planning, marriage equality does not mean an end to the unique challenges https://sjmphotography.info/gay-men-fisting.php LGBT seniors.
From ingrained homophobia throughout article source of the country, to unique health care issues and needs. Plus, gay seniors may differ in priorities, interests, hobbies and ideal retirement options, gay financial planning.
If your prospective financial advisor passes muster with flying colors on all the above, then you ask gay financial planning he or she is a fiscally fabulous LGBT Financial Planner, gay financial planning.
Hop on your unicorn and ride on over to gays and dating office and let them help you maximize your money while you maximize your life.
He has been helping friends of the LGBT community reach their financial goals for gay financial planning a decade. He lives in West Hollywood with his gay financial planning and two Chihuahuas. For plabning information check out his Fiduciary Financial Planning Website www. Read More here. Your gy is your voice! It is your gqy and your responsibility.
For your voice to be heard, in most states you this web page register before you can vote.
Visit the state elections site. For the Gay financial planning 3 election: States are making it easier for citizens to vote absentee by mail this year due to the coronavirus. Each state has its own rules for mail-in absentee voting. Visit your state election office website to find out if you can useful gaykino leipzig apologise by mail.
Sometimes circumstances make it hard or impossible for you to vote finabcial Election Day. But your state may let you vote gay financial planning a designated early voting period. You don't need an excuse to vote early. Visit your state election office website to find out whether they offer early voting.
Upgrade to a person who actually does comprehensive financial planning as opposed to just selling investmentsannuities or Life insurance products, gay financial planning. Make sure your financial planner works on the Fiduciary Standard.
This means that they put your financial best interests before their own and must offer unbiased advice. Want to know if they are working under the fiduciary standard? Just ask.
If they are much older than you, will they still be working when you need them most in the later years of your own retirement? If not, is there gay financial planning younger partner in place to assure seamless succession?
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Join HuffPost. This post was published on the now-closed HuffPost Contributor platform. Contributors control their own work and posted freely to our site. If you need to flag this entry as abusive, send us an email. How to vote. West Virginia Wisconsin Wyoming. Register by: Varies by state Your vote is your voice! Visit the state elections site Register to Vote.
Vote-by-mail ballot request deadline: Varies by state For the Nov 3 election: States are making it easier for citizens to vote absentee by mail this year due to the coronavirus. Ggay more information Track ballot status. In-person early voting dates: Varies by state Sometimes circumstances make it hard or impossible for you to vote on Election Day.
My Election Office. Today is National Voter Registration Day!