LGBTQ+ Financial Planning in the Bay Area
Inclusive. Affirming. Expertly Tailored to You.
Navigating the financial landscape as an LGBTQ+ individual or couple in the Bay Area presents unique challenges and opportunities. At Citrine Capital, we specialize in providing tailored financial planning services that honor and reflect the diverse experiences of the LGBTQ+ community.
Why Choose an LGBTQ+ Financial Planner in the Bay Area?
The Bay Area’s vibrant LGBTQ+ community deserves financial guidance that understands their distinct needs. From navigating the complexities of domestic partnerships and marriage laws to planning for family building through adoption or assisted reproductive technologies, our team offers culturally competent advice to help you achieve your financial goals.
Our Specialized Financial Planning Services
We offer a comprehensive suite of services designed to address the specific financial considerations of LGBTQ+ individuals and families:
✓ Comprehensive Financial Planning
Your life, your plan. We develop personalized roadmaps that encompass budgeting, debt management, family and benefit planning, and more - all tailored to your unique journey.
✓ Equity Compensation Planning for LGBTQ+ Professionals
Many LGBTQ+ individuals work in the Bay Area’s tech and startup ecosystem - often with significant equity compensation like RSUs, ISOs, and ESPPs. We help you navigate:
Tax-efficient strategies for exercising stock options
Timing and diversification of equity awards
Planning around liquidity events and IPOs
Estate and legacy planning that accounts for chosen
family structures
We understand that equity comp isn’t just about wealth - it's also about securing your future and expressing your values. Our advice takes your full identity and life goals into account.
✓ Investment Management with a Socially Responsible Focus
Align your investments with your values. We design portfolios that aim for financial growth and reflect your commitment to equality, sustainability, and social justice.
✓ Benefit Planning
Many tech employees have access to a robust suite of benefits - often including fertility support, surrogacy assistance, gender-affirming care, and mental health resources. We help you by:
Maximizing employer-sponsored fertility and family-building benefits
Accessing and budgeting for gender-affirming medical coverage and care
Coordinating benefits across partners or multi-income households
Choosing health plans that align with your long-term goals and values
We understand that your benefits aren’t just perks - they’re tools to help you build the life you envision. Our guidance is grounded in the realities LGBTQ+ individuals face and designed to support your full journey, every step of the way.
✓ Estate Planning
Ensure your loved ones are protected. We address issues like beneficiary designations, powers of attorney, and healthcare directives with a focus on chosen families and diverse relationship structures. In addition, we partner with estate attorneys that specialize in creating estate plans for all forms of love and partnership.
✓ Tax Planning, Preparation, and Filing
Stay ahead of tax challenges. Our proactive strategies take into account the nuances of tax laws affecting the LGBTQ+ community and those with equity compensation, aiming to reduce liabilities and enhance long-term outcomes.
Who We Serve
We proudly serve a diverse clientele within the LGBTQ+ community in the Bay Area, including:
Couples and Families
Whether you’re navigating the financial aspects of marriage, domestic partnership, or family planning, we're here to support every stage of life.
Individuals and Professionals with Equity Compensation
Whether you're a startup employee with stock options or a tech exec navigating multiple equity awards, we provide personalized strategies to help you build, manage, and protect your wealth so that you can reach your goals.
The Citrine Capital Advantage
Choosing the right financial planner is a crucial step toward achieving your financial objectives. Here’s why LGBTQ+ clients trust us:
Culturally Competent Advice
As members and allies of the LGBTQ+ community, we offer insights and guidance that reflect your lived experience, the current legal landscape, and long-term goals.
Transparent Financial Advice
Our fee-only model eliminates hidden fees and promotes a transparent, authentic approach, ensuring that every recommendation is made in your best interest.
Commitment to Your Success
We’re dedicated to building lasting relationships and empowering you to make confident, informed financial decisions - whether about your equity, your family, or your future.
Get Started with an LGBTQ+ Financial Planner in the Bay Area
Seeking a trusted CFP in San Francisco that understands your needs and goals? Take the first step toward financial clarity by requesting a meeting.
Fill out a short questionnaire to help us determine if our services are the right fit for you. Our team will review your information and reach out to schedule a consultation with a certified financial planner in San Francisco.
Get started today and take control of your financial future.