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LGBT FANCIAL ADVISORYWHY LGBT PEOPLE NEED MORE THAN JT “LGBT-IENDLY” FANCIAL ADVISORYWRTEN BY TOM YNG, CFA | CDFA INVTMENT ADVISOR & FUND MANAGER, JURNEX FANCIAL ADVISORSIF YOU’VE HEARD ONCE, YOU’VE HEARD A THOAND TIM…YOU SHOULD SAVE MORE MONEY FOR RETIREMENTBUT WHY DO SOMETIM FEEL SO HARD TO SAVE MONEY? ACRDG TO TD AMERRA, MORE THAN HALF OF ALL AMERINS FEEL UNPREPARED FOR RETIREMENT. MANY PEOPLE BLAME THEMSELV. THAT THEY DON’T HAVE SELF-NTROL HOW MUCH THEY SPEND OR SAVE.AND ’S EVEN HARR FOR LGBT DIVIDUALS.IT’S OFTEN HARD TO SAVE BEE WE FD TALKG ABOUT MONEY AWKWARD. ACRDG TO A STUDY BY WELLS FARGO, PEOPLE SEE PERSONAL FANCE IS EVEN MORE CHALLENGG TO DISCS THAN POLICS OR RELIGN. IT’S EVEN WORSE FOR LGBT PEOPLE BEE THERE’S UALLY ALREADY A CURRENT LEVEL OF AWKWARDNS WH FAY.WE’RE OPEN TO TALKG TO OUR FAY ABOUT MANY THGS … EXCEPT FOR MONEY! THAT’S THE REASON WHY SO MANY LGBT FAI FALL BEHD FANCIAL PLANNG: WE OFTEN DON’T HAVE THE RIGHT SUPPORT. WE EARN MONEY AND THEN SPEND , HOPG THAT THGS WILL “WORK OUT THE END.” AND MOST OF DO THIS BEE WE’VE NEVER BEEN TGHT ANY OTHER WAY.THAT’S WHY HAVG THE RIGHT LGBT FANCIAL ADVISOR N BE SO VALUABLE.FANCIAL ADVISORS ARE PROFSNALS WHOSE JOB IS TO HELP PEOPLE MANAGE THEIR FANC.NOTHG IS EMBARRASSG ABOUT ASKG FOR HELP WHEN YOU NEED .AND IF YOU ARE AN LGBT DIVIDUAL OR FAY, HAVG AN LGBT FANCIAL ADVISOR N MAKE THIS PROCS EVEN MORE FORTABLE. NOT ONLY WILL HAVG AN LGBT ADVISOR REMOVE THE AWKWARDNS OF TALKG ABOUT MONEY. THEY WILL ALSO UNRSTAND ISSU THAT ARE SPECIFIC TO THE LGBT MUNY.IMAGE THE POWER OF HAVG SOMEONE ON YOUR SI WHO UNRSTANDS YOUR CHALLENG, GOALS, AND DREAMS. THAT’S THE BENEF OF FDG A GOOD LGBT FANCIAL ADVISOR!WHO NEEDS FANCIAL ADVISORY?IT TURNS OUT EVERYONE ULD E A SOUND FANCIAL PLAN.TOO YOUNG? IT’S NEVER TOO EARLY TO START SAVG FOR RETIREMENT. THE POWER OF POUND TERT THAT EVERY DOLLAR SAVED YOUR 20’S WILL TURN TO SEVEN DOLLARS TODAY’S MONEY BY THE TIME YOU RETIRE.TOO OLD? WE HEAR PEOPLE SAY THAT YOU MT BE YOUNG TO SAVE FOR RETIREMENT. THIS IS ENTIRELY UNTE! IT’S NEVER TOO LATE. SOMEONE SAVG THEIR 50’S WILL STILL SEE THEIR WORTH DOUBLE BY THE TIME THEY RETIRE.ALREADY RETIRED? EVEN FOR THOSE WHO HAVE ALREADY RETIRED, A SOUND FANCIAL PLAN N HELP THEM GET THE MOST OUT OF THEIR SAVGS AND SOCIAL SECURY. GOOD SH-FLOW TENTNS N MAKE SURE PEOPLE DON’T OUTLIVE THEIR ASSETS.ALREADY HAVE YOUR PLAN? EVEN DIVIDUALS WHO UNRSTAND FANCE N BENEF OM HAVG AN ADVISOR WHO N HELP THEM NAVIGATE TAX SAVGS AND LOL REGULATNS.BUT WHAT ABOUT LGBT DIVIDUALS AND FAI?WE’VE ASKED THIS QUTN TOO.THERE ARE VERY FEW ROURC FOR LGBT-SPECIFIC FANCIAL ISSU. IT’S ALMOST AS IF LGBT ISSU AREN’T NECSARY!LGBT PEOPLE NEED PETENT FANCIAL ADVISORY, JT LIKE EVERYONE ELSE. AND OUR NEEDS ARE UNIQUE. ISSU SUCH AS SAME-SEX HEALTHRE, ADOPTNS, AND MANAGG DUAL- ARE ALL SPECIAL ISSU THAT N BENEF OM SOUND ADVICE. IF THERE IS SO MUCH OUTWARD SUPPORT TO THE LGBT MUNY, WHAT ABOUT FANCIAL SUPPORT TOO? THIS ARTICLE WILL VER THE THREE CRIL ISSU OF LGBT FANCIAL ADVISORYWHAT IS LGBT FANCIAL ADVISORY?WHY IS SO IMPORTANT?DO YOU NEED AN LGBT FANCIAL ADVISOR?BY THE END OF THIS GUI, YOU WILL HAVE A GOOD SENSE OF WHAT LGBT FANCIAL ADVISORY IS, AND WHETHER A SPECIALIZED ADVISOR IS RIGHT FOR YOU.WHAT IS LGBT FANCIAL ADVISORY?IT SOUNDS SIMPLE ENOUGH.LGBT FANCIAL ADVISORY IS A SERVICE THAT SPECIALIZ HELPG LGBT PEOPLE NAVIGATE THEIR FANCIAL FUTUR.IN OTHER WORDS, THEY HELP LGBT DIVIDUALS AND FAI MANAGE MONEY.LGBT IENDLY ≠ LGBT SPECIALISTS.MANY FIRMS WILL MARKET THEMSELV AS “LGBT IENDLY.” THIS IS A BETIFUL THG – HAVG BS THAT ARE ACCEPTG OF LGBT CLIENTS. BUT YOU MT REMEMBER THAT LGBT-IENDLY DO NOT MEAN THEY HAVE EXPERIENCEFOR EXAMPLE, IMAGE A WEDDG PLANNER WH NO EXPERIENCE LGBT WEDDGS. THEY MIGHT BE IENDLY HELPG YOU PLAN YOUR WEDDG. AND THEY MIGHT DO A FANTASTIC JOB AT AS WELL. BUT THEY’RE GOG TO BE LEARNG THEIR ROLE ON THE FLY.DO YOU PLAN FOR BRISMAIDS OR GROOMSMEN? WHICH SI OF THE AISLE SHOULD YOU PUT EACH FAY? HOW TO HANDLE TWO MOTHER-OF-THE-BRIS? AN LGBT-IENDLY WEDDG PLANNER DON’T NECSARILY MEAN THEY HAVE THE LGBT-PLANNG EXPERIENCE!THE STAK ARE EVEN HIGHER FOR FANCIAL PLANNGIN FANCIAL PLANNG, MISTAK MA TODAY MIGHT NOT SHOW UP FOR S. FETTG TO PLAN FOR SAME-SEX LONG-TERM MEDIL RE, FOR STANCE, MIGHT ONLY SHOW UP HALFWAY THROUGH RETIREMENT.LGBT FANCIAL ADVISORS ARE EXPERTS ALG WH LGBT FANC. THIS MEANS HAVG A KEEN UNRSTANDG OF TOPICS SUCH AS DISCRIMATN LAWS, ADOPTN L, AND SAME-SEX RETIREMENT PLANNG.YOUR FANCIAL PLAN TODAY MAY FLUENCE YOUR LIFTYLE FOR THE RT OF YOUR LIFE. SO MAKE SURE YOU SPEND THE TIME TO PLAN WELL. WHY IS LGBT FANCIAL ADVISORY IMPORTANT?AS AN LGBT DIVIDUAL, HAVE YOU EVER FELT LEFT OUT? IT ULD HAVE BEEN FOR ANY NUMBER OF REASONS. PERHAPS YOU JT FELT DIFFERENT OM OTHERS GROWG UP. OR MAYBE YOU DIDN’T HAVE AN LGBT SUPPORT WORK TO HELP GUI YOU THROUGH THE BEGNG.SO WHILE EVERYONE KNOWS ’S IMPORTANT TO SAY FOR RETIREMENT, THE LGBT MUNY FAC ADDNAL CHALLENG THAT OTHERS DON’T.1. LGBT PEOPLE ARE LS LIKELY TO BE PREPARED FOR RETIREMENTACRDG TO THE TRANSAMERI CENTER FOR RETIREMENT, LGBT PEOPLE SRE ABOUT 10% LOWER THAN HETEROSEXUALS ON ARRI SR, A MEASURE OF RETIREMENT PREPAREDNS. THERE’S A STEREOTYPE THAT GAY MEN AND WOMEN SPEND MORE. BUT THIS IS A MYTH. LGBT PEOPLE ARE LS PREPARED FOR RETIREMENT……BEE THEY EARN LS THAN THEIR PEERSDPE MAKG LARGE STRIS MARRIAGE EQUALY, LGBT PEOPLE STILL FACE WORKPLACE DISCRIMATN DAILY. AND OVER TIME, THIS DISCRIMATN MEANS LGBT PEOPLE GET PAID LS THAN THEIR PEERS. GAY MEN AND WOMEN STILL EARN LS THAN THEIR PEERS. ACRDG TO THE U.S. CENS DATA, LGBT PEOPLE EARN MAY EARN 10-32% LS FOR THE SAME JOB PERFORMED. OVER TIME, THIS DIFFERENCE CREAT ENORMO DISTORTNS THE VTMENT WORLD.IMAGE DRIVG A R RACE WHERE EVERYONE IS DRIVG THE SAME TYPE OF R EXCEPT YOU. YOU HAVE A VEHICLE THAT GO 10-32% SLOWER THAN EVERYONE ELSE.DO THAT SOUND PRSG?IT’S NO WONR WHY LGBT PEOPLE TEND TO BE LS PREPARED FOR RETIREMENT!SO HOW N YOU KEEP UP?YOU FD A BETTER ROUTE!WH THE RIGHT SHORTCUTS PLACE, BE POSSIBLE TO KEEP UP WH THE FASTER RS.SIARLY, HAVG THE RIGHT FANCIAL PLAN N HELP YOU KEEP UP WH YOUR PEERS. THERE ARE PLENTY OF TAX SAVGS AND RETIREMENT VEHICL THAT MOST AMERINS OVERLOOK. THERE ARE ALSO LGBT SPECIFIC ROURC THAT N HELP PEOPLE THE MUNY GET AHEAD.IF YOU’RE G AT A DISADVANTAGE, WE NEED TO MAKE YOUR DOLLAR STRETCH FURTHER. AND HAVG A GOOD PLAN N HELP.2. LGBT PEOPLE ARE MORE LIKELY TO LOSE THEIR JOBSNOT ONLY DO LGBT PEOPLE EARN LS THAN THEIR PEERS. THEY ARE ALL SO MORE LIKELY TO LEAVE THE WORKFORCE. THERE ARE SEVERAL REASONS FOR THIS.HEALTH ISSUBOTH GAY MEN AND WOMEN REPORT RETIRG EARLIER THAN EXPECTED DUE TO HEALTH REASONS. 39% OF LGBT PEOPLE REPORTED RETIRG SOONER DUE TO ILL HEALTH, PARED TO JT 32% OF HETEROSEXUALS. RETIRG EARLY MEANS FEWER SAVGS TO LAST YOU THROUGH RETIREMENT. WORKPLACE DISCRIMATNLGBT PEOPLE ARE ALSO MORE LIKELY TO LOSE THEIR JOBS. A STUDY PUBLISHED BY THE ONLE JOURNAL BMJ OPEN FOUND THAT BOTH MALE AND FEMALE SEXUAL MORI WERE TWICE AS LIKELY TO HAVE BEEN UNEMPLOYED AND UNSURED AS THEIR STRAIGHT PEERS.THE THORS MENTED: “MOST OF THE STUDY PARTICIPANTS WERE WHE AND THEIR FAI HAD MIDDLE-TO-HIGH HOEHOLD . IT IS STRIKG THAT THE SEXUAL ORIENTATN DISPARI ARE PERVASIVE AMONG PARTICIPANTS WHO PREDOMANTLY HOLD HIGH SOCIAL STAT. GIVEN THIS HIGH SOCIAL STAT, WE MAY HAVE UNRTIMATED LEVELS OF UNEMPLOYMENT, BEG UNSURED, AND HAVG POOR HEALTH-RELATED QUALY OF LIFE.”THEREFORE, LGBT FAI NEED BETTER NTGENCY PLANSIMAGE YOU’RE BACK THAT R RACG EXAMPLE. NOT ONLY IS YOUR R SLOWER, BUT ’S ALSO MORE LIKELY TO BREAK DOWN!THIS MEANS YOU NEED BETTER NTGENCY PLANNG.EVERY FAY SHOULD PREPARE FOR THE POSSIBILY OF UNEMPLOYMENT. BUT THIS IS PECIALLY TE FOR LGBT FAI. AS AN LGBT PERSON, YOU NEED MORE DISABILY AND LIFE SURANCE THAN THE AVERAGE PERSON TO HELP OFFSET THE RISKS.3. LGBT PEOPLE OFTEN HAVE SMALLER SUPPORT WORKSHAVE YOU EVER FELT LIKE YOU NEED TO WORK HARR THAN EVERYONE ELSE TO CREATE A SUPPORT WORK?YOU MIGHT BE ONTO SOMETHG.TRADNALLY, THE LGBT MUNY HAS HAD FEWER SUPPORT WORKS PLACE. A GAY OR LBIAN DIVIDUAL WHO SUDNLY GETS SICK DON’T HAVE A MUNY TO TURN TO UNLIKE, SAY, SEVENTH-DAY ADVENTISTS.IN FACT, ACRDG TO A STUDY BY THE WILLIAMS INSTUTE, LGBT YOUTH ARE TEN TIM MORE LIKELY TO BE HOMELS THAN THEIR STRAIGHT PEERS. 68% OF THEM HAVE EXPERIENCE REJECTN OF SOME KD BY THEIR FAI. EVEN TODAY, FAY REJECTN OF LGBT PEOPLE REMAS EXTRAORDARILY HIGH. THAT’S WHY OFTEN FEELS SO DIFFICULT TO FD AND CREATE SUPPORT WORKS. AND THAT’S WHAT MAK BUILDG YOUR SUPPORT WORK SO IMPORTANT!CREATG YOUR SUPPORT WORKGROWG A GOOD WORK TAK TIME. RELATNSHIPS AND VTMENTS YOU PLAN THEY MAY TAKE S TO SHOW THEIR TE WORKS. THAT’S WHY ’S NEVER TOO EARLY TO START.FANCIAL: HAVG PERSONAL SAVGS TO HELP OVERE LIFE HURDLRELATNSHIPS: BUILDG LASTG FAY AND IEND RELATNSHIPS FOR PANNSHIP AND RECOMMUNY: KNOWG WHERE YOU WILL LIVE AND YOUR ROLE YOUR MUNYWHAT MAK LGBT FANCIAL ADVISORY DIFFERENT?LGBT FANCIAL ADVISORY IS FAR MORE THAN MERELY HAVG AN LGBT IENDLY ADVISOR. IT MEANS HAVG AN ADVISOR THAT UNRSTANDS YOUR SUATN.GAY AND LBIAN FAI FACE VERY DIFFERENT CHALLENG OM HETEROSEXUAL UPL. YOUR ADVISOR MT UNRSTAND:THE POTENTIAL DISCRIMATN YOU MIGHT FACE THE WORKFORCE.THE GREATER NEED FOR NTGENCY PLANNGTHAT BOTH SPO MAY EARN LS THAN THEIR HETEROSEXUAL UNTERPARTSYOU NEED A PLAN THAT FS YOU. SO WHAT EXACTLY MAK LGBT FANCIAL ADVISORY DIFFERENT?1. DIFFERENT VALUEVERYONE HAS HAD THIS EXPERIENCE: ’S THANKSGIVG AGA. YOU AND YOUR FAY HAVE ASSEMBLED TO HAVE A MEAL TOGETHER. THE MOOD IS JOVIAL, BUT EVERYONE IS ON EDGE. BEE EVERYONE KNOWS THAT SOMEONE WILL BRG UP POLICS OR RELIGN AT THE TABLE. EVERY FAY HAS THAT ONE PERSON……THAT ONE PERSON WHO YOU DISAGREE PLETELY WH.THIS FAY MEMBER MAY BE FAR RIGHT OR FAR LEFT THEIR POLIL LEANGS. BUT THE THG THE PEOPLE HAVE MON IS THAT THEY AREEXTREME THEIR VIEWSUNWILLG TO BUDGE THEIR OPNSEVEN A BRIEF SEARCH ON GOOGLE TURNS UP LNS OF RULTS ABOUT SURVIVG POLICS AT THANKSGIVG. YOU’RE NOT ALONE IF YOU DREAD TALKG ABOUT POLICS WH DIVIDUAL FAY MEMBERS. HAVG A NVERSATN WH THE PEOPLE IS NOT ONLY ANNOYG. IT MAK YOUR HEAD WANT TO EXPLO.NOW IMAGE HAVG THAT NEGATIVE TYPE OF PERSON AS YOUR FANCIAL ADVISOR…TERRIBLE, ISN’T ? THAT’S WHY SO MANY LGBT DIVIDUALS AND FAI CI TO DO THGS THEMSELV. WHY SUBJECT YOURSELF TO JUDGMENT BY A STRANGER WHOSE WORLDVIEW DON’T ALIGN WH YOUR OWN? AND UNFORTUNATELY, THE FANCIAL ADVISORY WORLD IS FILLED WH PEOPLE WHO ARE LIKE THIS. FANCIAL ADVISORS TEND TO E OM A NSERVATIVE BACKGROUND.THERE’S ALWAYS ANOTHER PERSON AT THE THANKSGIVG DNER TABLE THOUGH……THAT ONE PERSON YOU DO AGREE WHBACK TO THE THANKSGIVG DNER TABLE…. NOW, IMAGE TALKG TO ONE OF YOUR FAVORE FAY MEMBERS. THIS ULD BE YOUR FAVORE NT OR UNCLE. NEPHEW NIECE OR BROTHER. JT SOMEONE WHO YOU *ENJOY* TALKG TO.OFTEN, THIS IS THE FIRST FAY MEMBER YOU MIGHT HAVE E OUT TO. THEIR REACTN WAS PROBABLY EHER NONCHALANT OR PRICELSLY FUNNY.SISTER: “OH, YOU LIKE GUYS TOO? I GUS THAT’S JT ANOTHER THG WE HAVE MON NOW! IS YOUR BOYIEND CUTE? CAN I BORROW HIM FOR A DAY?”IMAGE HAVG THAT TYPE OF A PERSON AS A FANCIAL ADVISOR. ALL OF A SUDN, TALKG ABOUT FANCE N BE FUN.SIMPLY HAVG A FANCIAL ADVISOR WHO UNRSTANDS YOU WILL HELP IMMENSELY. RATHER THAN BEG AN AWKWARD TOPIC, MONEY N BE TALKED ABOUT OPENLY.NOT ONLY WILL YOU HAVE A BETTER UNRSTANDG OF YOUR FANCIALS, BUT YOU WILL ALSO HAVE A BETTER PLAN BY THE END OF THE PROCS.2. A GREATER UNRSTANDG OF UNORTHODOX RELATNSHIPSACRDG TO THE TRANSAMERI CENTER, ONLY 32% OF LGBT PEOPLE ARE MARRIED, PARED TO 58% OF HETEROSEXUALS.NOT ONLY ARE LGBT PEOPLE MORE LIKELY TO STAY UNMARRIED. THEY ARE ALSO MORE LIKELY TO ENTER UNORTHODOX RELATNSHIPS. AND EACH OF THE RELATNSHIPS REQUIR SPECIALIZED KNOWLEDGE AND PLANNG.SIMPLY WALKG TO YOUR NEART FILY BRANCH AND HOPG FOR THE BT IS OFTEN NOT A RIGHT SOLUTN. YOU MAY GET SOMEONE WHO EMPATHIZ WH YOU. BUT DO THEY UNRSTAND HOW TO HELP YOU NAVIGATE THE TYP OF RELATNSHIPS? WHETHER MARRIED, SGLE, HABG, OR OPEN RELATNSHIP…LIVE YOUR LIFE THE WAY YOU SEE F! A. SGLE, UNMARRIEDFOR LGBT PEOPLE WHO ARE SGLE AND UNMARRIED, LONG-TERM FANCIAL STABILY N POSE A CHALLENGE. ALTHOUGH HAVG FANCIAL EEDOM N BE BETIFUL, THE TERRORY WH HAVG TO RELY ON YOURSELF TO GENERATE E. SGLE PEOPLE ARE KEENLY AWARE OF THE RISKS OF FALLG ILL OR BEG DISABLED.HOW TO MANAGE?SGLE LGBT DIVIDUALS SHOULD NSIR DISABILY SURANCE. THIS WILL PROTECT YOU OM LOSG ALL YOUR E SHOULD YOU BE UNABLE TO EARN. YOU SHOULD ALSO HAVE A HIGHER SAVGS RATE SCE A LARGER NT EGG N HELP SMOOTH TRANSN BETWEEN JOBS.B. LONG-TERM RELATNSHIP, UNMARRIED OR SPL FANCEVEN THOUGH GAY MARRIAGE IS NOW LEGAL ALL 50 US STAT, MANY LGBT UPL CI NOT TO GET MARRIED OR BED FANC. BUT BEG AN UNMARRIED LONG-TERM RELATNSHIP POS ANOTHER SET OF CHALLENG.HOW TO DIVI ASSETS?HERE IS WHERE AN LGBT FANCIAL ADVISOR N HELP. MANAGG SPL OR SHARED PORTFOLS N REQUIRE SPECIALIZED TRACKG.SEPARATE FANC. SOME UPL MAY SHARE CERTA EXPENS SUCH AS RENT BUT SPL EVERYTHG ELSE. AN EXPERIENCED LGBT FANCIAL ADVISOR MT UNRSTAND HOW TO MANAGE TWO DIFFERENT PORTFOLS.COMBED FANC. OTHER UNMARRIED UPL MAY BE FUNDS. BEE UNMARRIED UPL DO NOT QUALIFY FOR MARAL TAX EXEMPTNS, THEY HAVE TO BE REFUL ABOUT TRIGGERG GIFT TAX.HOW TO TRANSFER ASSETS?BIS GIFT TAX, ASSET TLG N ALSO BEE PLITED BETWEEN UNMARRIED UPL. IF ONE PARTNER PASS AWAY WHOUT A PROPER WILL, THE ASSETS MAY TRANSFER TO NEXT OF K STEAD OF TO THEIR LONG-TERM PARTNER. A GOOD LGBT FANCIAL ADVISOR WILL REGNIZE THE ISSU AND HELP YOU NAVIGATE THE LEGAL OPTNS.C. POLYGAMY/POLYAMORYSOME GAY UPL CI TO ADD A THIRD OR EVEN MORE MEMBERS TO THEIR FAY. WHILE POLYGAMY (MARRIAGE) IS NOT PERMISSIBLE THE UNED STAT, LIVG WH TWO OR MORE LOVED ON THE SAME HOEHOLD IS PERFECTLY LEGAL.POLYAMORY N PRENT CHALLENG THAT MOST FANCIAL ADVISORS DON’T HAVE EXPERIENCE . HOW DO YOU DIVI ASSETS BETWEEN THREE OR MORE PEOPLE? HOW N YOU MAKE SURE EACH PERSON’S FANCIAL GOALS ARE MET? BUT HAVG THREE OR MORE WORKG PEOPLE THE FAY N SMOOTH OUT E. AND ONCE YOU HAVE THE GENERAL NCEPTS PLACE, MANAGG POLYAMORO RELATNSHIPS FANCIALLY IS SIAR TO MANAGG ASSETS OF UNMARRIED UPL.D. OPEN RELATNSHIPS AND DOMTIC PARTNERSSOMETIM, LGBT UPL KEEP SEPARATE FANC, BUT STILL WANT TO PROTECT EACH OTHER.COUPL THE SUATNS NEED WELL-WRTEN TATE PLANS AND LIVG WILLS. IF ONE OF THEM WERE TO BEE DISABLED, THE OTHER MAY NEED NOT ONLY VISATN RIGHTS BUT ALSO A POWER OF ATTORNEY TO CI MEDIL PROCEEDGS AND PROBATE PROCS.3. GAY UPL ARE FOUR TIM MORE LIKELY TO ADOPT CHILDRENSTUDI HAVE SHOWN THAT PARED TO THE NON-ADOPTED, ADOPTED KIDS:HAVE BETTER HEALTHHAVE MORE ONE-ON-ONE ATTENTN OM A PARENTARE MORE VOLVED THEIR EXTRACURRICULAR ACTIVIBEE AS WELL-ADJTED AS THEIR PEERS ADOPTG KIDS N BE A TLY FANTASTIC ADDN TO ANY FAY. MAKE SURE YOU’RE FANCIALLY PREPARED! LGBT FAI STILL FACE LEGAL AND FANCIAL CHALLENG TO ADOPTN. LEGAL RIGHTS TO ADOPTN AND PARENTAL RIGHTS VARY SIGNIFINTLY ACROSS THE UNED STAT. ACRDG TO THE NEW YORK TIM, SOME STAT LIKE MARYLAND AND MASSACHETTS PROHIB DISCRIMATN BASED ON SEXUAL ORIENTATN. OTHERS SUCH AS SOUTH DAKOTA N CREATE RELIG EXEMPTNSTHE NSISTENCI OF STATE LAWS CREATE A TANGLED WORK THAT LGBT UPL MT NAVIGATE.SGLE-PARENT ADOPTNWHEN LGBT UPL FD THAT THEY ARE UNABLE TO BOTH ADOPT A CHILD, WHAT DO THEY DO? IN THE US, THEY OFTEN RORT TO HAVG JT ONE PARENT ADOPT. THE OTHER PARTNER IS NOT NAMED ON THE CHILD’S BIRTH CERTIFITE.THIS CERTALY FEELS UNFAIR.BUT FOR FAI WHO ARE FORCED TO TAKE THIS ROUTE, MULTIPLE FANCIAL ISSU N E AROUND. HOW DO THE OTHER SPOE (NOT ON THE BIRTH CERTIFITE) TRANSFER MONEY TO THEIR CHILD WHOUT CURRG GIFT TAX? WHAT ABOUT BEG NAMED ON A WILL OR TATE? IF YOU FD YOURSELF THIS SUATN, YOU NEED TO CREATE FANCIAL PLANS AND DOCUMENTS THAT REFLECT THE LEGAL STAT OF THE PARENT-CHILD RELATNSHIP.SEND-PARENT ADOPTNSOME STAT HAVE A PROCS THAT ALLOWS A SEND PARENT TO ADOPT A CHILD WHOUT TERMATG THE FIRST PARENT’S LEGAL STAT AS A PARENT. 15 STAT THE US ALLOW THISCALIFORNIACOLORADOCONNECTICUTDISTRICT OF COLUMBIAIDAHOILLOISINDIANAMAEMASSACHETTSMISSISSIPPINEW JERSEYNEW YORKOKLAHOMAPENNSYLVANIAVERMONTYOU SHOULD KNOW WHICH LAW APPLI TO YOU AND YOUR FAY. AND KNOW WHAT MEANS FOR YOUR FANCIAL PLAN.4. GREATER CHANCE OF DISCRIMATN THE WORKPLACEACRDG TO THE PEW REARCH CENTER, THE MAJORY OF LGBT PEOPLE HAVE REPORTED BEG THE SUBJECT OF SLURS OR JOK BASED ON THEIR SEXUAL ORIENTATN OR GENR INTY.UNACCEPTABLE! ESPECIALLY THE WORKPLACE. BUT ANY LGBT DIVIDUAL N TELL YOU THAT THE SLIGHTS ARE STILL ALL TOO MON. THERE IS STILL NO FERAL LAW SPECIFILLY SIGNED TO PREVENT DISCRIMATN BASED ON SEXUAL ORIENTATN. HALF OF LGBT EMPLOYE THE US REMA CLOSETED AT WORK.“AND THE TOP REASON LGBTQ WORKERS DON’T REPORT NEGATIVE MENTS THEY HEAR ABOUT LGBTQ PEOPLE TO A SUPERVISOR OR HUMAN ROURC? THEY DON’T THK ANYTHG WOULD BE DONE ABOUT — AND THEY DON’T WANT TO HURT THEIR RELATNSHIPS WH WORKERS” – HUMAN RIGHTS CAMPAIGN. HAVE YOU EVER FELT SGLED OUT? DPE STRIS THE WORKPLACE, 53% OF LGBTQ WORKERS HAVE REPORTED HEARG JOK ABOUT LBIAN OR GAY PEOPLE *AT LEAST ONCE A WHILE.* LGBT DIVIDUALS NEED TO PLAN FOR DISCRIMATNIF YOU N’T CHANGE THE WORLD YOURSELF, YOU N AT LEAST PLAN FOR .LGBT PEOPLE ARE AT A NSIRABLE DISADVANTAGE. SO WHAT SHOULD YOU DO? MANY WOULD SPEAK UP. IT’S UNDOUBTEDLY A MASSIVE JTICE! BUT OTHERS MIGHT STAY QUIET TO PROTECT THEIR LIVELIHOOD.REGARDLS OF YOUR CISN, YOU STILL NEED A MORE SIGNIFINT FANCIAL CHN. THERE’S A HIGHER CHANCE THAT YOU NEED TO PREPARE FOR PERDS OF UNSERVED UNEMPLOYMENT OR UNR-EMPLOYMENT (WHEN YOU’RE NOT EMPLOYED AT YOUR FULL POTENTIAL).AND MOST IMPORTANTLY, YOU NEED A FANCIAL ADVISOR WHO UNRSTANDS THAT LGBT PEOPLE STILL ROUTELY FACE DISCRIMATN. IT’S AN ISSUE THAT MOST HETEROSEXUAL PEOPLE NEVER THK ABOUT.GREATER MEDIL NEEDSSURPRISGLY BOTH LGBT MEN AND WOMEN FAI TEND TO HAVE GREATER HEALTHRE NEEDS.THIS MEANS GAY AND LBIAN UPL NEED TO PLAN FOR HIGHER HEALTHRE EXPENDUR LIFE.MEN: GAY MEN ARE 44 TIM MORE LIKELY TO NTRACT HIV OVER THEIR LIFETIM.WOMEN: TEND TO LIVE LONGER AND SPEND 30% MORE THAN MEN ON HEALTHRE. EVEN THE CUTT TEDDY BEAR NEEDS MEDIL ATTENTN OM TIME TO TIME. HAVG SAME-SEX UPL A FAY N ALSO MAGNIFY GENR-SPECIFIC RISKS. BOTH PARTNERS ARE MORE LIKELY TO SUFFER OM THE SAME DISEASE.HIGHER HEALTH RISKS ALSO MEAN THAT SURANCE BE FAR MORE VALUABLE. SOMEONE WHO *KNOWS* THEY WILL NEED MORE HEALTHRE SHOULD PURCHASE MORE VERAGE. THAT’S WHY R SURERS CHARGE MORE FOR DRIVERS UNR 25. THE SURANCE PANI KNOW THAT YOUNGER DRIVERS ARE FAR MORE LIKELY TO GET TO ACCINTS.AS AN LGBT DIVIDUAL, YOU SHOULD NSIR ADDNAL HEALTH SURANCE TO BOOST YOUR CURRENT VERAGE.WHAT ARE THE BENEFS OF LGBT FANCIAL ADVISORY?NOW THAT WE HAVE VERED WHY LGBT DIVIDUALS HAVE DIFFERENT FANCIAL NEEDS THAN THEIR STRAIGHT PEERS, WE WILL NOW VER THE BENEFS OF HAVG AN LGBT FANCIAL ADVISOR.1. YOU HAVE SOMEONE WHO UNRSTANDS YOUR NEEDSOPENG UP YOUR FANCIAL LIFE N FEEL STRANGE. IT’S ALREADY AWKWARD TALKG ABOUT YOUR SALARY ONT OF IENDS. BUT IMAGE TELLG SOMEONE ABOUT EVERYTHG.BY EVERYTHG, WE MEAN NOT JT YOUR SALARY. BUT YOU ARE ALSO TALKG ABOUT YOUR SAVGS, YOUR SPENDG HABS, YOUR FANCIAL GOALS, YOUR LIFE FEARS…EVERYTHG. THAT ULD MAKE ANYONE FEEL UNFORTABLE.BUT THAT’S WHAT A FANCIAL ADVISOR NEEDS TO KNOW IF YOU WANT THEIR HELP. HAVG SOMEONE WHO R GENUELY MAK A DIFFERENCE. AS AN LGBT DIVIDUAL, IS OFTEN EASIER TO OPEN UP TO SOMEONE WHO’S WALKED YOUR SHO AND UNRSTANDS YOUR NEEDS. LOUIS BRANIS FAMOLY SAID THAT “SUNLIGHT IS SAID TO BE THE BT OF DISFECTANTS.” HE MIGHT NOT HAVE HAD FANCIAL PLANNG MD, BUT SHG A LIGHT ON FANCIAL ISSU N HELP YOU ILLUMATE THE SOLUTN TOO.HAVE A RETIREMENT ISSUE YOU’RE NOT SURE HOW TO FIX? HAVG SOMEONE EXAME THE PROBLEM N HELP!2. YOU WILL HAVE BETTER FANCIAL OUTTHOSE WILLG TO FULLY SHARE THEIR FANCIAL STAT WH ADVISORS N REAP ENORMO DIVINDS. THE BETTER AN ADVISOR UNRSTANDS YOUR NEEDS, THE BETTER THEY N ADVISE YOU.THK OF THE OPPOSE. IMAGE, FOR A MOMENT, A PATIENT GOG TO SEE A DOCTOR. THE DOCTOR ASKS, “HEY, WHAT’S HURTG?”THE PATIENT ULD SAYUNCLEAR ANSWER: “NOTHG’S WRONG. I’M EXCELLENT!”CLEAR ANSWER: “WELL, HURTS RIGHT HERE, AND I’M WORRIED ’D GET WORSE…”WHICH ONE WOULD THE DOCTOR FD MORE HELPFUL DIAGNOSG? THE CLEAR ANSWER, OF URSE! REARCHERS HAVE BEEN EXAMG MISTST BETWEEN PATIENTS AND DOCTORS FOR A VERY LONG TIME. THE MORE OPEN PEOPLE ARE WH THEIR FANCIAL ADVISOR, THE BETTER OUT THEY N GET.ONE OF THE MOST MON QUTNS ASKED BY FANCIAL ADVISORS IS “WHAT IS YOUR GREATT FANCIAL FEAR?” THE ARE HARD QUTNS TO ANSWER.RUNNG OUT OF MONEYNOT BEG ABLE TO AFFORD HEALTHREACCG TOO MUCH BTHAVG SOMEONE WHO UNRSTANDS YOU MAK EASIER TO OPEN UP ABOUT THE TOPICS. AND THE MORE YOU OPEN UP, THE EASIER N BE TO SOLVE THE ISSU.3. YOU WILL ENJOY YOUR WEALTH MOREIN THE END, FANCIAL ADVISORY SHOULD HELP YOU BETTER ENJOY YOUR MONEY.OFTEN, THIS VOLV MAKG BUDGETS AND SAVG FOR RETIREMENT. THGS THAT SOUND NOT FUN AT ALL! BUT A PETENT FANCIAL ADVISOR SHOULD SHOW YOU THIS A DIFFERENT LIGHT:ONCE YOU HAVE A BUDGET, YOU N SPEND GUILT-EE! ONCE YOU HAVE A BUDGET, YOU SHOULD BE ABLE TO SPEND GUILT-EE. YOU SERVE TO TRAVEL IF THAT’S WHAT YOU WANT! IMAGE HAVG A $10,000 BUDGET FOR A BIG TRIP AROUND THE WORLD. YOU KNOW EXACTLY HOW MUCH YOU N SPEND. SO GO AHEAD AND BOOK THAT FIVE-STAR HOTEL. LIVE THE WAY YOU WANT, KNOWG YOU’RE STILL SPENDG WH YOUR MEANS.THAT’S BEE ONCE YOU HAVE A BUDGET PLACE, THERE’S NO NEED TO SEND-GUS YOURSELF. “WELL, I KNOW I HAVE ENOUGH MONEY… BUT MAYBE I SHOULD SPEND LS ON THE HOTEL OR FLIGHT…”NO, NO, NO! YOU N GO AHEAD AND ENJOY YOUR FABULO TRIP AROUND THE WORLD. YOUR SAVGS HAVE ALREADY BEEN TAKEN RE OF.THAT’S THE MAGIC OF FANCIAL ADVISORYSIGNS YOU NEED LGBT FANCIAL ADVISORYNOW YOU KNOW THE IMPORTANCE OF AN LGBT FANCIAL ADVISOR, YOU SHOULD NSIR WHETHER ONE IS RIGHT FOR YOU. HERE ARE THE THREE MA SIGNS THAT YOU SHOULD WORK WH ONE.1. YOU LIKE WORKG WH PEOPLE WHO UNRSTAND YOUHAVE YOU EVER MET SOMEONE WHO YOU STANTLY GET ALONG WH? YOU MIGHT HAVE JT MET SOMEONE FOR THE FIRST TIME. YOU STRIKE UP AN TERTG NVERSATN, AND WH MUT, THE TWO OF YOU ARE SHARG THOUGHTS LIKE OLD IENDS.IMAGE A THIRD-PERSON WANRG BY AND ASKG THE TWO OF YOU: “WOW, HOW LONG HAVE YOU TWO KNOWN EACH OTHER?”YOU’D ANSWER: “WELL, WE HAD JT MET 15 MUT AGO!”IT TURNS OUT THAT SOME PEOPLE ARE WIRED TO ENJOY CLOSE RELATNSHIPS MORE THAN OTHERS. THE ARE RELATNSHIPS WHERE YOU NNECT EPLY WH OTHERS — ON WHERE YOU N TALK OPENLY ABOUT YOUR VIEWS, EMOTNS, AND DREAMS. SOME PEOPLE ARE NATURALLY PREDISPOSED TO ENJOY CLOSER EMOTNAL NNECTNS WH OTHERS. IF YOU’RE THE TYPE OF PERSON WHO APPRECIAT THE KDS OF RELATNSHIPS, THIS IS A CLEAR SIGN YOU ULD BENEF OM HAVG AN LGBT FANCIAL ADVISOR.PEOPLE ARE FED BY MORE THAN JT THEIR SEXUAL ORIENTATN. BUT YOU’LL CERTALY NOTICE WORKG WH SOMEONE OM A SIAR BACKGROUND AS YOURSELF.2. YOU HAVE A SPECIAL LIFE CIRCUMSTANCEWHEN YOU ARE LOOKG FOR A FANCIAL ADVISOR, YOU SHOULD ASK YOURSELF THIS IMPORTANT QUTN:DO I HAVE SOMETHG MY LIFE THAT’S DIFFERENT OM OTHERS?IT DON’T HAVE TO BE LGBT RELATED. JT ANYTHG DIFFERENT OM EVERYONE ELSE.FANCIAL: DUAL-E OR NON-TRADNAL WORKSOCIAL: SIRE TO RELOTE OR DIFFERENT SPENDG HABSINVTMENTS: AVOIDANCE OF VTG ANTI-GAY PANIFAY: NON-TRADNAL RELATNSHIPS OR ADOPTNSEXCEPTNAL LIFE CIRCUMSTANC OFTEN WARRANT HAVG A SPECIALIZED FANCIAL ADVISOR. SOMEONE WHO UNRSTANDS YOUR PARTICULAR SE.NO TWO DIVIDUALS HAVE THE SAME FANCIAL PLAN. BUT LGBT DIVIDUALS AND FAI TEND TO HAVE MORE UNIQUE NEEDS WHEN PARED TO THE GENERAL POPULATN. AND HAVG A SPECIALIST TO UNRSTAND THE SPECIAL NEEDS WILL SAVE YOU THE TROUBLE OF HAVG TO EXPLA EVERYTHG TO A STRANGER.3. YOUR FANCIAL PLANNER DON’T EVEN KNOW YOU’RE GAY OR LBIANMOST LGBT DIVIDUALS DON’T LET THEIR SEXUALY FE THEM. AND THAT’S FE. WE’RE ALL MULTI-FACETED PEOPLE, AND THAT’S WHAT MAK EVERYONE UNIQUE.BUT SEXUALY IS STILL AN SENTIAL PART OF ANYONE’S LIFE. IT N TERME WHO YOU BUILD A FAY WH. OR WHERE YOU LIVE, OR WHAT YOUR LIFTYLE LOOKS LIKE.HIRG A FANCIAL PLANNER WHO DON’T KNOW YOUR SEXUALY IS LIKE READG A BOOK WH HALF THE CHAPTERS MISSG.SO IF YOU HAVEN’T E OUT TO YOUR FANCIAL PLANNER, ’S TIME YOU FD A NEW ONE!WHY HAVEN’T YOU E OUT TO YOUR FANCIAL ADVISOR?1. THEY HAVEN’T BOTHERED TO ASKMANY FANCIAL ADVISORS MIGHT FET TO ASK YOU ABOUT YOUR SEXUAL ORIENTATN. BUT MORE OFTEN, ’S A NATURAL FEAR OF BEG . THEY UNRSTAND THAT MANY PEOPLE AREN’T FORTABLE TALKG ABOUT THEIR SEXUAL LIV, AND SO ADVISORS OFTEN TEND TO SKIM OVER THIS IMPORTANT SUBJECT2. YOU HAVE BEEN SHY ABOUT TELLG THEMDON’T BLAME YOURSELF IF YOU HAVEN’T E OUT TO YOUR ADVISOR. COMG OUT IS HARD, AND YOU DON’T KNOW HOW YOUR ADVISOR MIGHT TAKE . FEAR NOT THOUGH, AN LGBT-SPECIFIC FANCIAL ADVISOR SHOULD BE UNSURPRISED WHEN YOU TELL THEM YOU’RE GAY. “WHY ELSE WOULD YOU BE LLG?”3. THEY ARE A ROBO-ADVISORROBO ADVISORS ARE FANTASTIC AS BASIC FANCIAL PLANNG TOOLS. BUT THEY HAVE LIMATNS. USUALLY, ROBO ADVISORS DON’T ASK BEE THEY AREN’T SIGNED TO ADVISE ON SPECIALIZED ISSU. AND THIS CLUS MANY PROBLEMS MON TO THE LGBT MUNY. YOU’VE GOT A FABULO LIFE AHEAD OF YOU. MAKE SURE YOU PLAN THAT WAY! CONCLNLGBT FANCIAL ADVISORY IS A SPECIALIZED PRACTICE THAT HELPS LGBT DIVIDUALS AND FAI NAVIGATE LIFE’S CHALLENG. AND HAVG A PETENT FANCIAL ADVISOR YOU NNECT WH N HELP PRODUCE FAR BETTER OUT.ALSO, FANCIAL PLANNG ISN’T JT ABOUT SAVG MONEY – N HELP IMPROVE YOUR LIFE TODAY AS WELL. HAVG A WELL-THOUGHT-OUT BUDGET N HELP YOU SPEND GUILT-EE TODAY, KNOWG YOU HAVE ENOUGH SAVED FOR TOMORROW.YOUR FANCIAL PLAN WILL HAVE AN ENORMO EFFECT ON YOUR LIFE. SO MAK SENSE TO HAVE A GOOD PLAN WRTEN UP.THERE ARE ALSO TANGIBLE BENEFS TO KNOWG YOUR FANCIAL FUTURE IS SECURE. KNOWG THAT YOU HAVE ENOUGH SAVED THE BANK SO YOU N ENJOY SPENDG WHAT YOU HAVE TODAY.WHETHER YOU’RE HETEROSEXUAL OR PART OF THE LGBT MUNY, YOU SERVE TO HAVE A SOUND FANCIAL FUTURE. IT’S YOUR MONEY. AND YOU SHOULD BE NTROL.WHERE TO FD MORE ROURCIF YOU’RE LOOKG FOR EVEN MORE VTMENT TIPS, YOU’VE E TO THE RIGHT PLACE.THAT’S BEE I’VE HELPED VT CLIENT MONEY FOR OVER A THE SAME OLD-FASHNED WAY. AND THAT’S TO SEEK OUT GREAT PANI GREAT DTRI THAT N YOU N BUY AT A DISUNT TO THEIR FAIR VALUE. SOUNDS TOO SIMPLE TO BE TE? GIVE ME A LL TODAY, AND I’LL SHOW YOU THAT ’S STILL POSSIBLE AFTER ALL THE YEARS.ABOUT JURNEXWE ARE AN PENNT REGISTERED VTMENT ADVISOR AND ASSET MANAGER. WE HAVE THE SECURI BACKG OF CHARL SCHWAB, YET WE RETA OUR OPERATNAL PENNCE OM ANY THIRD PARTY. THIS MEANS YOU N HAVE THE NFINCE YOUR MONEY IS SAFE WH ONE OF AMERI’S BT BROKERAG AND STILL RECEIVE KNOWLEDGE AND ADVICE OM AN PENNT FIRM FOCED ON YOU.WANT TO LEARN MORE?BOOK AN INIAL MEETG CATEGORY: LGBT FACIAL ADVISORBY TOM YNGSHARE THIS ARTICLESHARE WH FACEBOOKSHARE WH TWTERSHARE WH GOOGLE+SHARE WH PTERTSHARE WH LKEDINAUTHOR: TOM YNGTOM YNG IS A FANCIAL ADVISOR WH OVER A OF EXPERIENCE HELPG PEOPLE NAVIGATE MAJOR LIFE CHANG. HE SPECIALIZ DIVORCE, LGBT, AND HIGH--WORTH CLIENTS. HE HOLDS THE CFA AND CDFA SIGNATNS AND HAS STRONG EXPERIENCE ASSET MANAGEMENT AND FANCIAL PLANNG.POST NAVIGATNPREVPREV POST:ULTIMATE GUI TO WEALTH MANAGEMENTNEXTNEXT POST:HOW TO SAVE MORE MONEYRELATED POSTSTHE NE FANCIAL PFALLS OF UNMARRIED COUPLDECEMBER 15, 2019LGBT ADOPTN: THE FANCIAL GUIOCTOBER 5, 20195 SECRETS ABOUT LGBT 401(K) PLANSAUGT 28, 2019TOP 5 TIPS FROM AN LGBT FANCIAL ADVISORJULY 25, 2019COMPANI TO BUY AS AN LGBT INVTORJULY 17, 2019LGBT INVTG 101 – COMPANI TO AVOIDJULY 15, 2019 LOOKG FOR LGBT FANCIAL ADVISORY?
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LGBT FANCIAL ADVISORYWHY LGBT PEOPLE NEED MORE THAN JT “LGBT-IENDLY” FANCIAL ADVISORYWRTEN BY TOM YNG, CFA | CDFA INVTMENT ADVISOR & FUND MANAGER, JURNEX FANCIAL ADVISORSIF YOU’VE HEARD ONCE, YOU’VE HEARD A THOAND TIM…YOU SHOULD SAVE MORE MONEY FOR RETIREMENTBUT WHY DO SOMETIM FEEL SO HARD TO SAVE MONEY? ACRDG TO TD AMERRA, MORE THAN HALF OF ALL AMERINS FEEL UNPREPARED FOR RETIREMENT. MANY PEOPLE BLAME THEMSELV. THAT THEY DON’T HAVE SELF-NTROL HOW MUCH THEY SPEND OR SAVE.AND ’S EVEN HARR FOR LGBT DIVIDUALS.IT’S OFTEN HARD TO SAVE BEE WE FD TALKG ABOUT MONEY AWKWARD. ACRDG TO A STUDY BY WELLS FARGO, PEOPLE SEE PERSONAL FANCE IS EVEN MORE CHALLENGG TO DISCS THAN POLICS OR RELIGN. IT’S EVEN WORSE FOR LGBT PEOPLE BEE THERE’S UALLY ALREADY A CURRENT LEVEL OF AWKWARDNS WH FAY.WE’RE OPEN TO TALKG TO OUR FAY ABOUT MANY THGS … EXCEPT FOR MONEY! THAT’S THE REASON WHY SO MANY LGBT FAI FALL BEHD FANCIAL PLANNG: WE OFTEN DON’T HAVE THE RIGHT SUPPORT. WE EARN MONEY AND THEN SPEND , HOPG THAT THGS WILL “WORK OUT THE END.” AND MOST OF DO THIS BEE WE’VE NEVER BEEN TGHT ANY OTHER WAY.THAT’S WHY HAVG THE RIGHT LGBT FANCIAL ADVISOR N BE SO VALUABLE.FANCIAL ADVISORS ARE PROFSNALS WHOSE JOB IS TO HELP PEOPLE MANAGE THEIR FANC.NOTHG IS EMBARRASSG ABOUT ASKG FOR HELP WHEN YOU NEED .AND IF YOU ARE AN LGBT DIVIDUAL OR FAY, HAVG AN LGBT FANCIAL ADVISOR N MAKE THIS PROCS EVEN MORE FORTABLE. NOT ONLY WILL HAVG AN LGBT ADVISOR REMOVE THE AWKWARDNS OF TALKG ABOUT MONEY. THEY WILL ALSO UNRSTAND ISSU THAT ARE SPECIFIC TO THE LGBT MUNY.IMAGE THE POWER OF HAVG SOMEONE ON YOUR SI WHO UNRSTANDS YOUR CHALLENG, GOALS, AND DREAMS. THAT’S THE BENEF OF FDG A GOOD LGBT FANCIAL ADVISOR!WHO NEEDS FANCIAL ADVISORY?IT TURNS OUT EVERYONE ULD E A SOUND FANCIAL PLAN.TOO YOUNG? IT’S NEVER TOO EARLY TO START SAVG FOR RETIREMENT. THE POWER OF POUND TERT THAT EVERY DOLLAR SAVED YOUR 20’S WILL TURN TO SEVEN DOLLARS TODAY’S MONEY BY THE TIME YOU RETIRE.TOO OLD? WE HEAR PEOPLE SAY THAT YOU MT BE YOUNG TO SAVE FOR RETIREMENT. THIS IS ENTIRELY UNTE! IT’S NEVER TOO LATE. SOMEONE SAVG THEIR 50’S WILL STILL SEE THEIR WORTH DOUBLE BY THE TIME THEY RETIRE.ALREADY RETIRED? EVEN FOR THOSE WHO HAVE ALREADY RETIRED, A SOUND FANCIAL PLAN N HELP THEM GET THE MOST OUT OF THEIR SAVGS AND SOCIAL SECURY. GOOD SH-FLOW TENTNS N MAKE SURE PEOPLE DON’T OUTLIVE THEIR ASSETS.ALREADY HAVE YOUR PLAN? EVEN DIVIDUALS WHO UNRSTAND FANCE N BENEF OM HAVG AN ADVISOR WHO N HELP THEM NAVIGATE TAX SAVGS AND LOL REGULATNS.BUT WHAT ABOUT LGBT DIVIDUALS AND FAI?WE’VE ASKED THIS QUTN TOO.THERE ARE VERY FEW ROURC FOR LGBT-SPECIFIC FANCIAL ISSU. IT’S ALMOST AS IF LGBT ISSU AREN’T NECSARY!LGBT PEOPLE NEED PETENT FANCIAL ADVISORY, JT LIKE EVERYONE ELSE. AND OUR NEEDS ARE UNIQUE. ISSU SUCH AS SAME-SEX HEALTHRE, ADOPTNS, AND MANAGG DUAL- ARE ALL SPECIAL ISSU THAT N BENEF OM SOUND ADVICE. IF THERE IS SO MUCH OUTWARD SUPPORT TO THE LGBT MUNY, WHAT ABOUT FANCIAL SUPPORT TOO? THIS ARTICLE WILL VER THE THREE CRIL ISSU OF LGBT FANCIAL ADVISORYWHAT IS LGBT FANCIAL ADVISORY?WHY IS SO IMPORTANT?DO YOU NEED AN LGBT FANCIAL ADVISOR?BY THE END OF THIS GUI, YOU WILL HAVE A GOOD SENSE OF WHAT LGBT FANCIAL ADVISORY IS, AND WHETHER A SPECIALIZED ADVISOR IS RIGHT FOR YOU.WHAT IS LGBT FANCIAL ADVISORY?IT SOUNDS SIMPLE ENOUGH.LGBT FANCIAL ADVISORY IS A SERVICE THAT SPECIALIZ HELPG LGBT PEOPLE NAVIGATE THEIR FANCIAL FUTUR.IN OTHER WORDS, THEY HELP LGBT DIVIDUALS AND FAI MANAGE MONEY.LGBT IENDLY ≠ LGBT SPECIALISTS.MANY FIRMS WILL MARKET THEMSELV AS “LGBT IENDLY.” THIS IS A BETIFUL THG – HAVG BS THAT ARE ACCEPTG OF LGBT CLIENTS. BUT YOU MT REMEMBER THAT LGBT-IENDLY DO NOT MEAN THEY HAVE EXPERIENCEFOR EXAMPLE, IMAGE A WEDDG PLANNER WH NO EXPERIENCE LGBT WEDDGS. THEY MIGHT BE IENDLY HELPG YOU PLAN YOUR WEDDG. AND THEY MIGHT DO A FANTASTIC JOB AT AS WELL. BUT THEY’RE GOG TO BE LEARNG THEIR ROLE ON THE FLY.DO YOU PLAN FOR BRISMAIDS OR GROOMSMEN? WHICH SI OF THE AISLE SHOULD YOU PUT EACH FAY? HOW TO HANDLE TWO MOTHER-OF-THE-BRIS? AN LGBT-IENDLY WEDDG PLANNER DON’T NECSARILY MEAN THEY HAVE THE LGBT-PLANNG EXPERIENCE!THE STAK ARE EVEN HIGHER FOR FANCIAL PLANNGIN FANCIAL PLANNG, MISTAK MA TODAY MIGHT NOT SHOW UP FOR S. FETTG TO PLAN FOR SAME-SEX LONG-TERM MEDIL RE, FOR STANCE, MIGHT ONLY SHOW UP HALFWAY THROUGH RETIREMENT.LGBT FANCIAL ADVISORS ARE EXPERTS ALG WH LGBT FANC. THIS MEANS HAVG A KEEN UNRSTANDG OF TOPICS SUCH AS DISCRIMATN LAWS, ADOPTN L, AND SAME-SEX RETIREMENT PLANNG.YOUR FANCIAL PLAN TODAY MAY FLUENCE YOUR LIFTYLE FOR THE RT OF YOUR LIFE. SO MAKE SURE YOU SPEND THE TIME TO PLAN WELL. WHY IS LGBT FANCIAL ADVISORY IMPORTANT?AS AN LGBT DIVIDUAL, HAVE YOU EVER FELT LEFT OUT? IT ULD HAVE BEEN FOR ANY NUMBER OF REASONS. PERHAPS YOU JT FELT DIFFERENT OM OTHERS GROWG UP. OR MAYBE YOU DIDN’T HAVE AN LGBT SUPPORT WORK TO HELP GUI YOU THROUGH THE BEGNG.SO WHILE EVERYONE KNOWS ’S IMPORTANT TO SAY FOR RETIREMENT, THE LGBT MUNY FAC ADDNAL CHALLENG THAT OTHERS DON’T.1. LGBT PEOPLE ARE LS LIKELY TO BE PREPARED FOR RETIREMENTACRDG TO THE TRANSAMERI CENTER FOR RETIREMENT, LGBT PEOPLE SRE ABOUT 10% LOWER THAN HETEROSEXUALS ON ARRI SR, A MEASURE OF RETIREMENT PREPAREDNS. THERE’S A STEREOTYPE THAT GAY MEN AND WOMEN SPEND MORE. BUT THIS IS A MYTH. LGBT PEOPLE ARE LS PREPARED FOR RETIREMENT……BEE THEY EARN LS THAN THEIR PEERSDPE MAKG LARGE STRIS MARRIAGE EQUALY, LGBT PEOPLE STILL FACE WORKPLACE DISCRIMATN DAILY. AND OVER TIME, THIS DISCRIMATN MEANS LGBT PEOPLE GET PAID LS THAN THEIR PEERS. GAY MEN AND WOMEN STILL EARN LS THAN THEIR PEERS. ACRDG TO THE U.S. CENS DATA, LGBT PEOPLE EARN MAY EARN 10-32% LS FOR THE SAME JOB PERFORMED. OVER TIME, THIS DIFFERENCE CREAT ENORMO DISTORTNS THE VTMENT WORLD.IMAGE DRIVG A R RACE WHERE EVERYONE IS DRIVG THE SAME TYPE OF R EXCEPT YOU. YOU HAVE A VEHICLE THAT GO 10-32% SLOWER THAN EVERYONE ELSE.DO THAT SOUND PRSG?IT’S NO WONR WHY LGBT PEOPLE TEND TO BE LS PREPARED FOR RETIREMENT!SO HOW N YOU KEEP UP?YOU FD A BETTER ROUTE!WH THE RIGHT SHORTCUTS PLACE, BE POSSIBLE TO KEEP UP WH THE FASTER RS.SIARLY, HAVG THE RIGHT FANCIAL PLAN N HELP YOU KEEP UP WH YOUR PEERS. THERE ARE PLENTY OF TAX SAVGS AND RETIREMENT VEHICL THAT MOST AMERINS OVERLOOK. THERE ARE ALSO LGBT SPECIFIC ROURC THAT N HELP PEOPLE THE MUNY GET AHEAD.IF YOU’RE G AT A DISADVANTAGE, WE NEED TO MAKE YOUR DOLLAR STRETCH FURTHER. AND HAVG A GOOD PLAN N HELP.2. LGBT PEOPLE ARE MORE LIKELY TO LOSE THEIR JOBSNOT ONLY DO LGBT PEOPLE EARN LS THAN THEIR PEERS. THEY ARE ALL SO MORE LIKELY TO LEAVE THE WORKFORCE. THERE ARE SEVERAL REASONS FOR THIS.HEALTH ISSUBOTH GAY MEN AND WOMEN REPORT RETIRG EARLIER THAN EXPECTED DUE TO HEALTH REASONS. 39% OF LGBT PEOPLE REPORTED RETIRG SOONER DUE TO ILL HEALTH, PARED TO JT 32% OF HETEROSEXUALS. RETIRG EARLY MEANS FEWER SAVGS TO LAST YOU THROUGH RETIREMENT. WORKPLACE DISCRIMATNLGBT PEOPLE ARE ALSO MORE LIKELY TO LOSE THEIR JOBS. A STUDY PUBLISHED BY THE ONLE JOURNAL BMJ OPEN FOUND THAT BOTH MALE AND FEMALE SEXUAL MORI WERE TWICE AS LIKELY TO HAVE BEEN UNEMPLOYED AND UNSURED AS THEIR STRAIGHT PEERS.THE THORS MENTED: “MOST OF THE STUDY PARTICIPANTS WERE WHE AND THEIR FAI HAD MIDDLE-TO-HIGH HOEHOLD . IT IS STRIKG THAT THE SEXUAL ORIENTATN DISPARI ARE PERVASIVE AMONG PARTICIPANTS WHO PREDOMANTLY HOLD HIGH SOCIAL STAT. GIVEN THIS HIGH SOCIAL STAT, WE MAY HAVE UNRTIMATED LEVELS OF UNEMPLOYMENT, BEG UNSURED, AND HAVG POOR HEALTH-RELATED QUALY OF LIFE.”THEREFORE, LGBT FAI NEED BETTER NTGENCY PLANSIMAGE YOU’RE BACK THAT R RACG EXAMPLE. NOT ONLY IS YOUR R SLOWER, BUT ’S ALSO MORE LIKELY TO BREAK DOWN!THIS MEANS YOU NEED BETTER NTGENCY PLANNG.EVERY FAY SHOULD PREPARE FOR THE POSSIBILY OF UNEMPLOYMENT. BUT THIS IS PECIALLY TE FOR LGBT FAI. AS AN LGBT PERSON, YOU NEED MORE DISABILY AND LIFE SURANCE THAN THE AVERAGE PERSON TO HELP OFFSET THE RISKS.3. LGBT PEOPLE OFTEN HAVE SMALLER SUPPORT WORKSHAVE YOU EVER FELT LIKE YOU NEED TO WORK HARR THAN EVERYONE ELSE TO CREATE A SUPPORT WORK?YOU MIGHT BE ONTO SOMETHG.TRADNALLY, THE LGBT MUNY HAS HAD FEWER SUPPORT WORKS PLACE. A GAY OR LBIAN DIVIDUAL WHO SUDNLY GETS SICK DON’T HAVE A MUNY TO TURN TO UNLIKE, SAY, SEVENTH-DAY ADVENTISTS.IN FACT, ACRDG TO A STUDY BY THE WILLIAMS INSTUTE, LGBT YOUTH ARE TEN TIM MORE LIKELY TO BE HOMELS THAN THEIR STRAIGHT PEERS. 68% OF THEM HAVE EXPERIENCE REJECTN OF SOME KD BY THEIR FAI. EVEN TODAY, FAY REJECTN OF LGBT PEOPLE REMAS EXTRAORDARILY HIGH. THAT’S WHY OFTEN FEELS SO DIFFICULT TO FD AND CREATE SUPPORT WORKS. AND THAT’S WHAT MAK BUILDG YOUR SUPPORT WORK SO IMPORTANT!CREATG YOUR SUPPORT WORKGROWG A GOOD WORK TAK TIME. RELATNSHIPS AND VTMENTS YOU PLAN THEY MAY TAKE S TO SHOW THEIR TE WORKS. THAT’S WHY ’S NEVER TOO EARLY TO START.FANCIAL: HAVG PERSONAL SAVGS TO HELP OVERE LIFE HURDLRELATNSHIPS: BUILDG LASTG FAY AND IEND RELATNSHIPS FOR PANNSHIP AND RECOMMUNY: KNOWG WHERE YOU WILL LIVE AND YOUR ROLE YOUR MUNYWHAT MAK LGBT FANCIAL ADVISORY DIFFERENT?LGBT FANCIAL ADVISORY IS FAR MORE THAN MERELY HAVG AN LGBT IENDLY ADVISOR. IT MEANS HAVG AN ADVISOR THAT UNRSTANDS YOUR SUATN.GAY AND LBIAN FAI FACE VERY DIFFERENT CHALLENG OM HETEROSEXUAL UPL. YOUR ADVISOR MT UNRSTAND:THE POTENTIAL DISCRIMATN YOU MIGHT FACE THE WORKFORCE.THE GREATER NEED FOR NTGENCY PLANNGTHAT BOTH SPO MAY EARN LS THAN THEIR HETEROSEXUAL UNTERPARTSYOU NEED A PLAN THAT FS YOU. SO WHAT EXACTLY MAK LGBT FANCIAL ADVISORY DIFFERENT?1. DIFFERENT VALUEVERYONE HAS HAD THIS EXPERIENCE: ’S THANKSGIVG AGA. YOU AND YOUR FAY HAVE ASSEMBLED TO HAVE A MEAL TOGETHER. THE MOOD IS JOVIAL, BUT EVERYONE IS ON EDGE. BEE EVERYONE KNOWS THAT SOMEONE WILL BRG UP POLICS OR RELIGN AT THE TABLE. EVERY FAY HAS THAT ONE PERSON……THAT ONE PERSON WHO YOU DISAGREE PLETELY WH.THIS FAY MEMBER MAY BE FAR RIGHT OR FAR LEFT THEIR POLIL LEANGS. BUT THE THG THE PEOPLE HAVE MON IS THAT THEY AREEXTREME THEIR VIEWSUNWILLG TO BUDGE THEIR OPNSEVEN A BRIEF SEARCH ON GOOGLE TURNS UP LNS OF RULTS ABOUT SURVIVG POLICS AT THANKSGIVG. YOU’RE NOT ALONE IF YOU DREAD TALKG ABOUT POLICS WH DIVIDUAL FAY MEMBERS. HAVG A NVERSATN WH THE PEOPLE IS NOT ONLY ANNOYG. IT MAK YOUR HEAD WANT TO EXPLO.NOW IMAGE HAVG THAT NEGATIVE TYPE OF PERSON AS YOUR FANCIAL ADVISOR…TERRIBLE, ISN’T ? THAT’S WHY SO MANY LGBT DIVIDUALS AND FAI CI TO DO THGS THEMSELV. WHY SUBJECT YOURSELF TO JUDGMENT BY A STRANGER WHOSE WORLDVIEW DON’T ALIGN WH YOUR OWN? AND UNFORTUNATELY, THE FANCIAL ADVISORY WORLD IS FILLED WH PEOPLE WHO ARE LIKE THIS. FANCIAL ADVISORS TEND TO E OM A NSERVATIVE BACKGROUND.THERE’S ALWAYS ANOTHER PERSON AT THE THANKSGIVG DNER TABLE THOUGH……THAT ONE PERSON YOU DO AGREE WHBACK TO THE THANKSGIVG DNER TABLE…. NOW, IMAGE TALKG TO ONE OF YOUR FAVORE FAY MEMBERS. THIS ULD BE YOUR FAVORE NT OR UNCLE. NEPHEW NIECE OR BROTHER. JT SOMEONE WHO YOU ENJOY TALKG TO.OFTEN, THIS IS THE FIRST FAY MEMBER YOU MIGHT HAVE E OUT TO. THEIR REACTN WAS PROBABLY EHER NONCHALANT OR PRICELSLY FUNNY.SISTER: “OH, YOU LIKE GUYS TOO? I GUS THAT’S JT ANOTHER THG WE HAVE MON NOW! IS YOUR BOYIEND CUTE? CAN I BORROW HIM FOR A DAY?”IMAGE HAVG THAT TYPE OF A PERSON AS A FANCIAL ADVISOR. ALL OF A SUDN, TALKG ABOUT FANCE N BE FUN.SIMPLY HAVG A FANCIAL ADVISOR WHO UNRSTANDS YOU WILL HELP IMMENSELY. RATHER THAN BEG AN AWKWARD TOPIC, MONEY N BE TALKED ABOUT OPENLY.NOT ONLY WILL YOU HAVE A BETTER UNRSTANDG OF YOUR FANCIALS, BUT YOU WILL ALSO HAVE A BETTER PLAN BY THE END OF THE PROCS.2. A GREATER UNRSTANDG OF UNORTHODOX RELATNSHIPSACRDG TO THE TRANSAMERI CENTER, ONLY 32% OF LGBT PEOPLE ARE MARRIED, PARED TO 58% OF HETEROSEXUALS.NOT ONLY ARE LGBT PEOPLE MORE LIKELY TO STAY UNMARRIED. THEY ARE ALSO MORE LIKELY TO ENTER UNORTHODOX RELATNSHIPS. AND EACH OF THE RELATNSHIPS REQUIR SPECIALIZED KNOWLEDGE AND PLANNG.SIMPLY WALKG TO YOUR NEART FILY BRANCH AND HOPG FOR THE BT IS OFTEN NOT A RIGHT SOLUTN. YOU MAY GET SOMEONE WHO EMPATHIZ WH YOU. BUT DO THEY UNRSTAND HOW TO HELP YOU NAVIGATE THE TYP OF RELATNSHIPS? WHETHER MARRIED, SGLE, HABG, OR OPEN RELATNSHIP…LIVE YOUR LIFE THE WAY YOU SEE F! A. SGLE, UNMARRIEDFOR LGBT PEOPLE WHO ARE SGLE AND UNMARRIED, LONG-TERM FANCIAL STABILY N POSE A CHALLENGE. ALTHOUGH HAVG FANCIAL EEDOM N BE BETIFUL, THE TERRORY WH HAVG TO RELY ON YOURSELF TO GENERATE E. SGLE PEOPLE ARE KEENLY AWARE OF THE RISKS OF FALLG ILL OR BEG DISABLED.HOW TO MANAGE?SGLE LGBT DIVIDUALS SHOULD NSIR DISABILY SURANCE. THIS WILL PROTECT YOU OM LOSG ALL YOUR E SHOULD YOU BE UNABLE TO EARN. YOU SHOULD ALSO HAVE A HIGHER SAVGS RATE SCE A LARGER NT EGG N HELP SMOOTH TRANSN BETWEEN JOBS.B. LONG-TERM RELATNSHIP, UNMARRIED OR SPL FANCEVEN THOUGH GAY MARRIAGE IS NOW LEGAL ALL 50 US STAT, MANY LGBT UPL CI NOT TO GET MARRIED OR BED FANC. BUT BEG AN UNMARRIED LONG-TERM RELATNSHIP POS ANOTHER SET OF CHALLENG.HOW TO DIVI ASSETS?HERE IS WHERE AN LGBT FANCIAL ADVISOR N HELP. MANAGG SPL OR SHARED PORTFOLS N REQUIRE SPECIALIZED TRACKG.SEPARATE FANC. SOME UPL MAY SHARE CERTA EXPENS SUCH AS RENT BUT SPL EVERYTHG ELSE. AN EXPERIENCED LGBT FANCIAL ADVISOR MT UNRSTAND HOW TO MANAGE TWO DIFFERENT PORTFOLS.COMBED FANC. OTHER UNMARRIED UPL MAY BE FUNDS. BEE UNMARRIED UPL DO NOT QUALIFY FOR MARAL TAX EXEMPTNS, THEY HAVE TO BE REFUL ABOUT TRIGGERG GIFT TAX.HOW TO TRANSFER ASSETS?BIS GIFT TAX, ASSET TLG N ALSO BEE PLITED BETWEEN UNMARRIED UPL. IF ONE PARTNER PASS AWAY WHOUT A PROPER WILL, THE ASSETS MAY TRANSFER TO NEXT OF K STEAD OF TO THEIR LONG-TERM PARTNER. A GOOD LGBT FANCIAL ADVISOR WILL REGNIZE THE ISSU AND HELP YOU NAVIGATE THE LEGAL OPTNS.C. POLYGAMY/POLYAMORYSOME GAY UPL CI TO ADD A THIRD OR EVEN MORE MEMBERS TO THEIR FAY. WHILE POLYGAMY (MARRIAGE) IS NOT PERMISSIBLE THE UNED STAT, LIVG WH TWO OR MORE LOVED ON THE SAME HOEHOLD IS PERFECTLY LEGAL.POLYAMORY N PRENT CHALLENG THAT MOST FANCIAL ADVISORS DON’T HAVE EXPERIENCE . HOW DO YOU DIVI ASSETS BETWEEN THREE OR MORE PEOPLE? HOW N YOU MAKE SURE EACH PERSON’S FANCIAL GOALS ARE MET? BUT HAVG THREE OR MORE WORKG PEOPLE THE FAY N SMOOTH OUT E. AND ONCE YOU HAVE THE GENERAL NCEPTS PLACE, MANAGG POLYAMORO RELATNSHIPS FANCIALLY IS SIAR TO MANAGG ASSETS OF UNMARRIED UPL.D. OPEN RELATNSHIPS AND DOMTIC PARTNERSSOMETIM, LGBT UPL KEEP SEPARATE FANC, BUT STILL WANT TO PROTECT EACH OTHER.COUPL THE SUATNS NEED WELL-WRTEN TATE PLANS AND LIVG WILLS. IF ONE OF THEM WERE TO BEE DISABLED, THE OTHER MAY NEED NOT ONLY VISATN RIGHTS BUT ALSO A POWER OF ATTORNEY TO CI MEDIL PROCEEDGS AND PROBATE PROCS.3. GAY UPL ARE FOUR TIM MORE LIKELY TO ADOPT CHILDRENSTUDI HAVE SHOWN THAT PARED TO THE NON-ADOPTED, ADOPTED KIDS:HAVE BETTER HEALTHHAVE MORE ONE-ON-ONE ATTENTN OM A PARENTARE MORE VOLVED THEIR EXTRACURRICULAR ACTIVIBEE AS WELL-ADJTED AS THEIR PEERS ADOPTG KIDS N BE A TLY FANTASTIC ADDN TO ANY FAY. MAKE SURE YOU’RE FANCIALLY PREPARED! LGBT FAI STILL FACE LEGAL AND FANCIAL CHALLENG TO ADOPTN. LEGAL RIGHTS TO ADOPTN AND PARENTAL RIGHTS VARY SIGNIFINTLY ACROSS THE UNED STAT. ACRDG TO THE NEW YORK TIM, SOME STAT LIKE MARYLAND AND MASSACHETTS PROHIB DISCRIMATN BASED ON SEXUAL ORIENTATN. OTHERS SUCH AS SOUTH DAKOTA N CREATE RELIG EXEMPTNSTHE NSISTENCI OF STATE LAWS CREATE A TANGLED WORK THAT LGBT UPL MT NAVIGATE.SGLE-PARENT ADOPTNWHEN LGBT UPL FD THAT THEY ARE UNABLE TO BOTH ADOPT A CHILD, WHAT DO THEY DO? IN THE US, THEY OFTEN RORT TO HAVG JT ONE PARENT ADOPT. THE OTHER PARTNER IS NOT NAMED ON THE CHILD’S BIRTH CERTIFITE.THIS CERTALY FEELS UNFAIR.BUT FOR FAI WHO ARE FORCED TO TAKE THIS ROUTE, MULTIPLE FANCIAL ISSU N E AROUND. HOW DO THE OTHER SPOE (NOT ON THE BIRTH CERTIFITE) TRANSFER MONEY TO THEIR CHILD WHOUT CURRG GIFT TAX? WHAT ABOUT BEG NAMED ON A WILL OR TATE? IF YOU FD YOURSELF THIS SUATN, YOU NEED TO CREATE FANCIAL PLANS AND DOCUMENTS THAT REFLECT THE LEGAL STAT OF THE PARENT-CHILD RELATNSHIP.SEND-PARENT ADOPTNSOME STAT HAVE A PROCS THAT ALLOWS A SEND PARENT TO ADOPT A CHILD WHOUT TERMATG THE FIRST PARENT’S LEGAL STAT AS A PARENT. 15 STAT THE US ALLOW THISCALIFORNIACOLORADOCONNECTICUTDISTRICT OF COLUMBIAIDAHOILLOISINDIANAMAEMASSACHETTSMISSISSIPPINEW JERSEYNEW YORKOKLAHOMAPENNSYLVANIAVERMONTYOU SHOULD KNOW WHICH LAW APPLI TO YOU AND YOUR FAY. AND KNOW WHAT MEANS FOR YOUR FANCIAL PLAN.4. GREATER CHANCE OF DISCRIMATN THE WORKPLACEACRDG TO THE PEW REARCH CENTER, THE MAJORY OF LGBT PEOPLE HAVE REPORTED BEG THE SUBJECT OF SLURS OR JOK BASED ON THEIR SEXUAL ORIENTATN OR GENR INTY.UNACCEPTABLE! ESPECIALLY THE WORKPLACE. BUT ANY LGBT DIVIDUAL N TELL YOU THAT THE SLIGHTS ARE STILL ALL TOO MON. THERE IS STILL NO FERAL LAW SPECIFILLY SIGNED TO PREVENT DISCRIMATN BASED ON SEXUAL ORIENTATN. HALF OF LGBT EMPLOYE THE US REMA CLOSETED AT WORK.“AND THE TOP REASON LGBTQ WORKERS DON’T REPORT NEGATIVE MENTS THEY HEAR ABOUT LGBTQ PEOPLE TO A SUPERVISOR OR HUMAN ROURC? THEY DON’T THK ANYTHG WOULD BE DONE ABOUT — AND THEY DON’T WANT TO HURT THEIR RELATNSHIPS WH WORKERS” – HUMAN RIGHTS CAMPAIGN. HAVE YOU EVER FELT SGLED OUT? DPE STRIS THE WORKPLACE, 53% OF LGBTQ WORKERS HAVE REPORTED HEARG JOK ABOUT LBIAN OR GAY PEOPLE AT LEAST ONCE A WHILE. LGBT DIVIDUALS NEED TO PLAN FOR DISCRIMATNIF YOU N’T CHANGE THE WORLD YOURSELF, YOU N AT LEAST PLAN FOR .LGBT PEOPLE ARE AT A NSIRABLE DISADVANTAGE. SO WHAT SHOULD YOU DO? MANY WOULD SPEAK UP. IT’S UNDOUBTEDLY A MASSIVE JTICE! BUT OTHERS MIGHT STAY QUIET TO PROTECT THEIR LIVELIHOOD.REGARDLS OF YOUR CISN, YOU STILL NEED A MORE SIGNIFINT FANCIAL CHN. THERE’S A HIGHER CHANCE THAT YOU NEED TO PREPARE FOR PERDS OF UNSERVED UNEMPLOYMENT OR UNR-EMPLOYMENT (WHEN YOU’RE NOT EMPLOYED AT YOUR FULL POTENTIAL).AND MOST IMPORTANTLY, YOU NEED A FANCIAL ADVISOR WHO UNRSTANDS THAT LGBT PEOPLE STILL ROUTELY FACE DISCRIMATN. IT’S AN ISSUE THAT MOST HETEROSEXUAL PEOPLE NEVER THK ABOUT.GREATER MEDIL NEEDSSURPRISGLY BOTH LGBT MEN AND WOMEN FAI TEND TO HAVE GREATER HEALTHRE NEEDS.THIS MEANS GAY AND LBIAN UPL NEED TO PLAN FOR HIGHER HEALTHRE EXPENDUR LIFE.MEN: GAY MEN ARE 44 TIM MORE LIKELY TO NTRACT HIV OVER THEIR LIFETIM.WOMEN: TEND TO LIVE LONGER AND SPEND 30% MORE THAN MEN ON HEALTHRE. EVEN THE CUTT TEDDY BEAR NEEDS MEDIL ATTENTN OM TIME TO TIME. HAVG SAME-SEX UPL A FAY N ALSO MAGNIFY GENR-SPECIFIC RISKS. BOTH PARTNERS ARE MORE LIKELY TO SUFFER OM THE SAME DISEASE.HIGHER HEALTH RISKS ALSO MEAN THAT SURANCE BE FAR MORE VALUABLE. SOMEONE WHO KNOWS THEY WILL NEED MORE HEALTHRE SHOULD PURCHASE MORE VERAGE. THAT’S WHY R SURERS CHARGE MORE FOR DRIVERS UNR 25. THE SURANCE PANI KNOW THAT YOUNGER DRIVERS ARE FAR MORE LIKELY TO GET TO ACCINTS.AS AN LGBT DIVIDUAL, YOU SHOULD NSIR ADDNAL HEALTH SURANCE TO BOOST YOUR CURRENT VERAGE.WHAT ARE THE BENEFS OF LGBT FANCIAL ADVISORY?NOW THAT WE HAVE VERED WHY LGBT DIVIDUALS HAVE DIFFERENT FANCIAL NEEDS THAN THEIR STRAIGHT PEERS, WE WILL NOW VER THE BENEFS OF HAVG AN LGBT FANCIAL ADVISOR.1. YOU HAVE SOMEONE WHO UNRSTANDS YOUR NEEDSOPENG UP YOUR FANCIAL LIFE N FEEL STRANGE. IT’S ALREADY AWKWARD TALKG ABOUT YOUR SALARY ONT OF IENDS. BUT IMAGE TELLG SOMEONE ABOUT EVERYTHG.BY EVERYTHG, WE MEAN NOT JT YOUR SALARY. BUT YOU ARE ALSO TALKG ABOUT YOUR SAVGS, YOUR SPENDG HABS, YOUR FANCIAL GOALS, YOUR LIFE FEARS…EVERYTHG. THAT ULD MAKE ANYONE FEEL UNFORTABLE.BUT THAT’S WHAT A FANCIAL ADVISOR NEEDS TO KNOW IF YOU WANT THEIR HELP. HAVG SOMEONE WHO R GENUELY MAK A DIFFERENCE. AS AN LGBT DIVIDUAL, IS OFTEN EASIER TO OPEN UP TO SOMEONE WHO’S WALKED YOUR SHO AND UNRSTANDS YOUR NEEDS. LOUIS BRANIS FAMOLY SAID THAT “SUNLIGHT IS SAID TO BE THE BT OF DISFECTANTS.” HE MIGHT NOT HAVE HAD FANCIAL PLANNG MD, BUT SHG A LIGHT ON FANCIAL ISSU N HELP YOU ILLUMATE THE SOLUTN TOO.HAVE A RETIREMENT ISSUE YOU’RE NOT SURE HOW TO FIX? HAVG SOMEONE EXAME THE PROBLEM N HELP!2. YOU WILL HAVE BETTER FANCIAL OUTTHOSE WILLG TO FULLY SHARE THEIR FANCIAL STAT WH ADVISORS N REAP ENORMO DIVINDS. THE BETTER AN ADVISOR UNRSTANDS YOUR NEEDS, THE BETTER THEY N ADVISE YOU.THK OF THE OPPOSE. IMAGE, FOR A MOMENT, A PATIENT GOG TO SEE A DOCTOR. THE DOCTOR ASKS, “HEY, WHAT’S HURTG?”THE PATIENT ULD SAYUNCLEAR ANSWER: “NOTHG’S WRONG. I’M EXCELLENT!”CLEAR ANSWER: “WELL, HURTS RIGHT HERE, AND I’M WORRIED ’D GET WORSE…”WHICH ONE WOULD THE DOCTOR FD MORE HELPFUL DIAGNOSG? THE CLEAR ANSWER, OF URSE! REARCHERS HAVE BEEN EXAMG MISTST BETWEEN PATIENTS AND DOCTORS FOR A VERY LONG TIME. THE MORE OPEN PEOPLE ARE WH THEIR FANCIAL ADVISOR, THE BETTER OUT THEY N GET.ONE OF THE MOST MON QUTNS ASKED BY FANCIAL ADVISORS IS “WHAT IS YOUR GREATT FANCIAL FEAR?” THE ARE HARD QUTNS TO ANSWER.RUNNG OUT OF MONEYNOT BEG ABLE TO AFFORD HEALTHREACCG TOO MUCH BTHAVG SOMEONE WHO UNRSTANDS YOU MAK EASIER TO OPEN UP ABOUT THE TOPICS. AND THE MORE YOU OPEN UP, THE EASIER N BE TO SOLVE THE ISSU.3. YOU WILL ENJOY YOUR WEALTH MOREIN THE END, FANCIAL ADVISORY SHOULD HELP YOU BETTER ENJOY YOUR MONEY.OFTEN, THIS VOLV MAKG BUDGETS AND SAVG FOR RETIREMENT. THGS THAT SOUND NOT FUN AT ALL! BUT A PETENT FANCIAL ADVISOR SHOULD SHOW YOU THIS A DIFFERENT LIGHT:ONCE YOU HAVE A BUDGET, YOU N SPEND GUILT-EE! ONCE YOU HAVE A BUDGET, YOU SHOULD BE ABLE TO SPEND GUILT-EE. YOU SERVE TO TRAVEL IF THAT’S WHAT YOU WANT! IMAGE HAVG A $10,000 BUDGET FOR A BIG TRIP AROUND THE WORLD. YOU KNOW EXACTLY HOW MUCH YOU N SPEND. SO GO AHEAD AND BOOK THAT FIVE-STAR HOTEL. LIVE THE WAY YOU WANT, KNOWG YOU’RE STILL SPENDG WH YOUR MEANS.THAT’S BEE ONCE YOU HAVE A BUDGET PLACE, THERE’S NO NEED TO SEND-GUS YOURSELF. “WELL, I KNOW I HAVE ENOUGH MONEY… BUT MAYBE I SHOULD SPEND LS ON THE HOTEL OR FLIGHT…”NO, NO, NO! YOU N GO AHEAD AND ENJOY YOUR FABULO TRIP AROUND THE WORLD. YOUR SAVGS HAVE ALREADY BEEN TAKEN RE OF.THAT’S THE MAGIC OF FANCIAL ADVISORYSIGNS YOU NEED LGBT FANCIAL ADVISORYNOW YOU KNOW THE IMPORTANCE OF AN LGBT FANCIAL ADVISOR, YOU SHOULD NSIR WHETHER ONE IS RIGHT FOR YOU. HERE ARE THE THREE MA SIGNS THAT YOU SHOULD WORK WH ONE.1. YOU LIKE WORKG WH PEOPLE WHO UNRSTAND YOUHAVE YOU EVER MET SOMEONE WHO YOU STANTLY GET ALONG WH? YOU MIGHT HAVE JT MET SOMEONE FOR THE FIRST TIME. YOU STRIKE UP AN TERTG NVERSATN, AND WH MUT, THE TWO OF YOU ARE SHARG THOUGHTS LIKE OLD IENDS.IMAGE A THIRD-PERSON WANRG BY AND ASKG THE TWO OF YOU: “WOW, HOW LONG HAVE YOU TWO KNOWN EACH OTHER?”YOU’D ANSWER: “WELL, WE HAD JT MET 15 MUT AGO!”IT TURNS OUT THAT SOME PEOPLE ARE WIRED TO ENJOY CLOSE RELATNSHIPS MORE THAN OTHERS. THE ARE RELATNSHIPS WHERE YOU NNECT EPLY WH OTHERS — ON WHERE YOU N TALK OPENLY ABOUT YOUR VIEWS, EMOTNS, AND DREAMS. SOME PEOPLE ARE NATURALLY PREDISPOSED TO ENJOY CLOSER EMOTNAL NNECTNS WH OTHERS. IF YOU’RE THE TYPE OF PERSON WHO APPRECIAT THE KDS OF RELATNSHIPS, THIS IS A CLEAR SIGN YOU ULD BENEF OM HAVG AN LGBT FANCIAL ADVISOR.PEOPLE ARE FED BY MORE THAN JT THEIR SEXUAL ORIENTATN. BUT YOU’LL CERTALY NOTICE WORKG WH SOMEONE OM A SIAR BACKGROUND AS YOURSELF.2. YOU HAVE A SPECIAL LIFE CIRCUMSTANCEWHEN YOU ARE LOOKG FOR A FANCIAL ADVISOR, YOU SHOULD ASK YOURSELF THIS IMPORTANT QUTN:DO I HAVE SOMETHG MY LIFE THAT’S DIFFERENT OM OTHERS?IT DON’T HAVE TO BE LGBT RELATED. JT ANYTHG DIFFERENT OM EVERYONE ELSE.FANCIAL: DUAL-E OR NON-TRADNAL WORKSOCIAL: SIRE TO RELOTE OR DIFFERENT SPENDG HABSINVTMENTS: AVOIDANCE OF VTG ANTI-GAY PANIFAY: NON-TRADNAL RELATNSHIPS OR ADOPTNSEXCEPTNAL LIFE CIRCUMSTANC OFTEN WARRANT HAVG A SPECIALIZED FANCIAL ADVISOR. SOMEONE WHO UNRSTANDS YOUR PARTICULAR SE.NO TWO DIVIDUALS HAVE THE SAME FANCIAL PLAN. BUT LGBT DIVIDUALS AND FAI TEND TO HAVE MORE UNIQUE NEEDS WHEN PARED TO THE GENERAL POPULATN. AND HAVG A SPECIALIST TO UNRSTAND THE SPECIAL NEEDS WILL SAVE YOU THE TROUBLE OF HAVG TO EXPLA EVERYTHG TO A STRANGER.3. YOUR FANCIAL PLANNER DON’T EVEN KNOW YOU’RE GAY OR LBIANMOST LGBT DIVIDUALS DON’T LET THEIR SEXUALY FE THEM. AND THAT’S FE. WE’RE ALL MULTI-FACETED PEOPLE, AND THAT’S WHAT MAK EVERYONE UNIQUE.BUT SEXUALY IS STILL AN SENTIAL PART OF ANYONE’S LIFE. IT N TERME WHO YOU BUILD A FAY WH. OR WHERE YOU LIVE, OR WHAT YOUR LIFTYLE LOOKS LIKE.HIRG A FANCIAL PLANNER WHO DON’T KNOW YOUR SEXUALY IS LIKE READG A BOOK WH HALF THE CHAPTERS MISSG.SO IF YOU HAVEN’T E OUT TO YOUR FANCIAL PLANNER, ’S TIME YOU FD A NEW ONE!WHY HAVEN’T YOU E OUT TO YOUR FANCIAL ADVISOR?1. THEY HAVEN’T BOTHERED TO ASKMANY FANCIAL ADVISORS MIGHT FET TO ASK YOU ABOUT YOUR SEXUAL ORIENTATN. BUT MORE OFTEN, ’S A NATURAL FEAR OF BEG . THEY UNRSTAND THAT MANY PEOPLE AREN’T FORTABLE TALKG ABOUT THEIR SEXUAL LIV, AND SO ADVISORS OFTEN TEND TO SKIM OVER THIS IMPORTANT SUBJECT2. YOU HAVE BEEN SHY ABOUT TELLG THEMDON’T BLAME YOURSELF IF YOU HAVEN’T E OUT TO YOUR ADVISOR. COMG OUT IS HARD, AND YOU DON’T KNOW HOW YOUR ADVISOR MIGHT TAKE . FEAR NOT THOUGH, AN LGBT-SPECIFIC FANCIAL ADVISOR SHOULD BE UNSURPRISED WHEN YOU TELL THEM YOU’RE GAY. “WHY ELSE WOULD YOU BE LLG?”3. THEY ARE A ROBO-ADVISORROBO ADVISORS ARE FANTASTIC AS BASIC FANCIAL PLANNG TOOLS. BUT THEY HAVE LIMATNS. USUALLY, ROBO ADVISORS DON’T ASK BEE THEY AREN’T SIGNED TO ADVISE ON SPECIALIZED ISSU. AND THIS CLUS MANY PROBLEMS MON TO THE LGBT MUNY. YOU’VE GOT A FABULO LIFE AHEAD OF YOU. MAKE SURE YOU PLAN THAT WAY! CONCLNLGBT FANCIAL ADVISORY IS A SPECIALIZED PRACTICE THAT HELPS LGBT DIVIDUALS AND FAI NAVIGATE LIFE’S CHALLENG. AND HAVG A PETENT FANCIAL ADVISOR YOU NNECT WH N HELP PRODUCE FAR BETTER OUT.ALSO, FANCIAL PLANNG ISN’T JT ABOUT SAVG MONEY – N HELP IMPROVE YOUR LIFE TODAY AS WELL. HAVG A WELL-THOUGHT-OUT BUDGET N HELP YOU SPEND GUILT-EE TODAY, KNOWG YOU HAVE ENOUGH SAVED FOR TOMORROW.YOUR FANCIAL PLAN WILL HAVE AN ENORMO EFFECT ON YOUR LIFE. SO MAK SENSE TO HAVE A GOOD PLAN WRTEN UP.THERE ARE ALSO TANGIBLE BENEFS TO KNOWG YOUR FANCIAL FUTURE IS SECURE. KNOWG THAT YOU HAVE ENOUGH SAVED THE BANK SO YOU N ENJOY SPENDG WHAT YOU HAVE TODAY.WHETHER YOU’RE HETEROSEXUAL OR PART OF THE LGBT MUNY, YOU SERVE TO HAVE A SOUND FANCIAL FUTURE. IT’S YOUR MONEY. AND YOU SHOULD BE NTROL.WHERE TO FD MORE ROURCIF YOU’RE LOOKG FOR EVEN MORE VTMENT TIPS, YOU’VE E TO THE RIGHT PLACE.THAT’S BEE I’VE HELPED VT CLIENT MONEY FOR OVER A THE SAME OLD-FASHNED WAY. AND THAT’S TO SEEK OUT GREAT PANI GREAT DTRI THAT N YOU N BUY AT A DISUNT TO THEIR FAIR VALUE. SOUNDS TOO SIMPLE TO BE TE? GIVE ME A LL TODAY, AND I’LL SHOW YOU THAT ’S STILL POSSIBLE AFTER ALL THE YEARS.ABOUT JURNEXWE ARE AN PENNT REGISTERED VTMENT ADVISOR AND ASSET MANAGER. WE HAVE THE SECURI BACKG OF CHARL SCHWAB, YET WE RETA OUR OPERATNAL PENNCE OM ANY THIRD PARTY. THIS MEANS YOU N HAVE THE NFINCE YOUR MONEY IS SAFE WH ONE OF AMERI’S BT BROKERAG AND STILL RECEIVE KNOWLEDGE AND ADVICE OM AN PENNT FIRM FOCED ON YOU.WANT TO LEARN MORE?BOOK AN INIAL MEETG CATEGORY: LGBT FACIAL ADVISORBY TOM YNGSHARE THIS ARTICLESHARE WH FACEBOOKSHARE WH TWTERSHARE WH GOOGLE+SHARE WH PTERTSHARE WH LKEDINAUTHOR: TOM YNGTOM YNG IS A FANCIAL ADVISOR WH OVER A OF EXPERIENCE HELPG PEOPLE NAVIGATE MAJOR LIFE CHANG. HE SPECIALIZ DIVORCE, LGBT, AND HIGH--WORTH CLIENTS. HE HOLDS THE CFA AND CDFA SIGNATNS AND HAS STRONG EXPERIENCE ASSET MANAGEMENT AND FANCIAL PLANNG.POST NAVIGATNPREVPREV POST:ULTIMATE GUI TO WEALTH MANAGEMENTNEXTNEXT POST:HOW TO SAVE MORE MONEYRELATED POSTSTHE NE FANCIAL PFALLS OF UNMARRIED COUPLDECEMBER 15, 2019LGBT ADOPTN: THE FANCIAL GUIOCTOBER 5, 20195 SECRETS ABOUT LGBT 401(K) PLANSAUGT 28, 2019TOP 5 TIPS FROM AN LGBT FANCIAL ADVISORJULY 25, 2019COMPANI TO BUY AS AN LGBT INVTORJULY 17, 2019LGBT INVTG 101 – COMPANI TO AVOIDJULY 15, 2019 LOOKG FOR LGBT FANCIAL ADVISORY?

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