Comprehensive Financial Planning for LGBTQ+ Clients
Planning for an LGBTQ+ individual or couple involves unique financial considerations. At Modera, we provide holistic financial planning that includes tax optimization, charitable giving strategies, international planning, estate coordination, and family planning. We integrate every aspect of your financial life so you can live confidently.
Our Holistic Approach
Cash Flow & Family Planning​
We create plans that reflect your goals, including family building through adoption, surrogacy, or assisted reproductive technology (ART). We also help you plan for supporting aging parents, housing, and retirement while stress-testing for rising expenses and lifestyle changes.
Transition Planning
We understand the financial impact of gender transition and help you plan for related costs. We also coordinate with legal professionals to ensure your documents and estate plans reflect your identity.
Tax Optimization & Charitable Giving
We help you maximize deductions and structure giving through donor-advised funds, charitable trusts, and private foundations aligning your philanthropy with your financial plan.
Living Abroad & Cross-Border Planning
Considering a move overseas? We help you navigate tax obligations, marital status recognition, and asset management across jurisdictions. We coordinate with tax and legal professionals to ensure compliance and protect your interests internationally.
Investment Management
We design portfolios that balance liquidity and growth, using tax-efficient strategies and risk management tailored to your goals.
Estate & Legal Coordination
We work with attorneys to ensure your estate documents such as wills, trusts, powers of attorney, and health care directives align with your financial plan and protect property rights. We also coordinate legal aspects of family planning including securing legal parentage while staying current on evolving laws that impact LGBTQ+ rights.
Retirement Planning
We help you plan to achieve your retirement goals, whether that means traveling the world, spending more time with family and chosen family, or maintaining your desired lifestyle. Our approach includes optimizing Social Security, Medicare, and long-term care coverage.
Specialized Expertise
Our advisors understand the complexities of LGBTQ+ financial planning, including:
- Marriage vs. partnership decisions and tax implications
- Protecting chosen family members through tailored estate strategies
- Coordinating legal protections for those living abroad
- Planning for charitable giving and legacy goals
We stay informed on changing laws and regulations to ensure your plan evolves with your life.
Your LGBTQ+ Ally:
Talk to an experienced financial advisor
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Helpful information for LGBTQ individuals, couples and families:
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