What's in a financial plan
One plan that connects every part of your financial life.
Your plan is a written strategy and a living model, built around your goals and updated as your life changes. Here's what it covers and how it reflects LGBTQ+ lives.
What your plan covers
Nine areas, planned together.
- 01
Cash flow and savings
Where your money goes, your real savings rate, emergency reserves, and a system for bonuses and variable income.
- 02
Tax planning
Tax projections, bracket management, estimated payments, the right mix of pre-tax, Roth, and taxable savings, and a second review of your tax return.
- 03
Equity compensation
RSU, ISO, NSO, and ESPP strategy, AMT planning, concentration risk, and planning around liquidity events.
- 04
Investments
A low-cost, diversified portfolio held at Altruist, coordinated with your 401(k), company stock, and other accounts.
- 05
Retirement and independence
How much is enough, when work could become optional, and how different choices move that date.
- 06
Family building
The cost and timeline of IVF, surrogacy, or adoption, plus parental leave, childcare, and education savings.
- 07
Home and major purchases
What you can comfortably afford, where the down payment comes from, and how it changes the rest of the plan.
- 08
Insurance and benefits
Life, disability, and liability coverage, plus your workplace benefits, including health coverage and gender-affirming care.
- 09
Estate and legacy
Wills, powers of attorney, healthcare directives, beneficiaries, and charitable giving, coordinated with your attorney.
Built for LGBTQ+ lives
Planning that doesn't need extra explanation.
Standard planning templates often assume a standard family. Yours is built around the family and life you actually have, whether you're single, partnered, married, or somewhere in between.
- Beneficiaries and estate documents that include chosen family
- Tax filing, account titling, and inheritance planning for married and unmarried partners
- Realistic budgets for adoption, surrogacy, and fertility treatment
- Health coverage and out-of-pocket planning, including gender-affirming care
- Planning for moves between states with different laws and taxes
Questions your plan answers
The questions behind the numbers.
- Am I saving enough, and in the right accounts?
- Can we grow our family and still retire when we want?
- How much company stock is too much?
- What happens to the people I love if something happens to me?
- Can we afford the home we want without falling behind?
- When could work become optional?
- Should I exercise my options this year, or wait?
- Can I enjoy my money now without hurting my future?
Ready for clarity?
Let's talk about where you are, what's coming up, and how to plan for it. A free 30-minute call, no pressure.