We understand the unique challenges faced by the LGBTQ+ community, and our team is here to provide tailored support and guidance for your financial needs.

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Why Financial Security Is Important For Everyone

If you belong to the LGBTQ+ community, you face unique legal risks and financial costs, including challenges in employment, housing, and healthcare. These risks and costs can change frequently as laws evolve state by state, making it crucial to stay informed and proactive. Given the recent tax law changes, an uncertain future for Social Security, and the shift toward employee-directed retirement plans, it’s more important than ever to have sound financial strategies. Our financial specialists offer time-tested strategies to help you make informed decisions, whether you aim to build a nest egg, protect your assets, or preserve your lifestyle throughout retirement. We will assess your financial situation and develop a personalized plan to help you confidently pursue your retirement goals. Above all, we are committed to helping you plan your future with confidence, tailored to your unique needs and circumstances.

Did you know?

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LGBTQ+ Americans are less likely to feel financially prepared for retirement compared to their non-LGBTQ+ peers, with only 40% of LGBTQ+ individuals reporting that they have saved for retirement, compared to 60% of non-LGBTQ+ individuals, according to a 2021 study by the Center for American Progress.

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You don't get us for just one month.
We're here for you year-round.

Our diverse team is here for you, your spouse, children, and anyone else that is important to you. We work to create a comfortable atmosphere for all of our clients.

How do I get started?

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Create Goals

For the LGBTQ+ community, creating financial goals is crucial for navigating unique challenges like potential employment discrimination, healthcare costs, and varying legal protections. Setting clear goals helps ensure financial stability, whether it's saving for a home, retirement, or building an emergency fund to buffer against unexpected life events.

Organize

Organizing your financial positions is crucial for the LGBTQ+ community, as it involves identifying and consolidating any forgotten or overlooked financial accounts, such as old retirement plans or savings accounts. By taking inventory of all your financial assets, you can ensure that your money is working effectively toward your goals and that your accounts are updated with your current legal and personal information. This proactive approach helps secure your financial future and protects against potential oversights.

Analyze Risks

Analyzing risks is essential for the LGBTQ+ community, as you may face unique financial vulnerabilities due to potential discrimination or lack of legal protections. Assessing risks like job security, healthcare access, and housing stability allows you to plan proactively and safeguard your financial future.

Implement + Monitor

Implementing and monitoring your financial accounts regularly ensures that your financial strategy remains aligned with your goals and adapts to any changes in your circumstances or in the legal landscape. For LGBTQ+ individuals, staying vigilant about account management can help maintain financial security and adjust to any shifts in your personal or legal situation.

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For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

 

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