Aligning Your Wealth With Your Values and Your Loved Ones
Your financial goals are as unique as your identity and family. At Mercer Advisors, we understand that LGBTQ+ individuals face distinct financial considerations shaped by state laws, shifting policies, and evolving Supreme Court rulings.
Whether you’re navigating marriage, domestic partnership, or chosen family dynamics, our advisors provide inclusive, thoughtful guidance tailored to your life and long-term financial stability.
Inclusive Wealth Planning Built Around You
Building financial security within the LGBTQ+ community often requires navigating unique challenges, including legal recognition of family members, inheritance rights, and workplace benefits.
We can help you:
- Understand how your income, benefits, and tax obligations impact long-term wealth-building.
- Plan for major life events, including marriage, domestic partnership, adoption, or financial protections for non-biological family members.
- Navigate state laws that affect LGBTQ+ couples and individuals, working to ensure that your financial plan aligns with your goals and rights.
Protecting Your Loved Ones Through Estate Planning
Estate planning is critical for same-sex couples, unmarried partners, and families to help ensure legal protection and long-term financial security. Without proper documentation, the reality is that state laws may not recognize your intended beneficiaries, putting loved ones at risk.
We help you:
- Establish wills, trusts, and durable powers of attorney to protect your estate and seek to ensure your partner or spouse is legally recognized.
- Plan for passing assets to or from your children, non-biological heirs, or aging parents to prevent unexpected legal challenges.
- Navigate inconsistent state laws that may complicate inheritance rights, medical decisions, or guardianship.
Specialized Services for LGBTQ+ Individuals
- Family financial planning for adoption, surrogacy, and caregiving
- Estate planning support for non-biological heirs and chosen family
- Tax strategies tailored to state-specific laws for LGBTQ+ couples
- Investment planning aligned with social responsibility and personal values
- Guidance for healthcare directives to help ensure your wishes are honored in all states
- Legacy planning to support philanthropy and community impact
- Insurance strategies for long-term financial security and partner protection
Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice is provided through select third parties unaffiliated to Mercer Advisors. Tax preparation and tax filing are a separate fee from our investment management and planning services.
Investing with Purpose and Impact
For many LGBTQ+ individuals, financial planning extends beyond wealth accumulation and into social responsibility and investing in ways that align with personal values.
We help you:
Invest with Purpose and Long-Term Growth
Build a diversified investment portfolio that supports long-term growth while reflecting your ethics
Align Wealth with Your Values Through ESG
Explore ESG and socially responsible investing options to align wealth with advocacy
Plan for Life Transitions with Confidence
Prepare for future lifestyle shifts such as geographic relocation, retirement, or career changesAdditional Solutions Tailored to Your Life and Legacy
Your financial strategy should reflect who you are, who you love, and what you want to build. We offer specialized solutions that help LGBTQ+ individuals and families protect what matters most, optimize for the long term, and invest in a future that aims to align with their values.
LGBTQ+ Financial Planning Checklist
Legal and financial landscapes can be complex—especially for LGBTQ+ individuals and couples. Use this checklist to ensure your plan protects your rights, honors your relationships, and evolves with you through every stage of life.
Common Questions We Help Answer
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If you’re married, your spouse typically has legal protections, but if you’re not, things can get complicated. An estate plan with a will, trust, and beneficiary designations helps ensure your partner receives assets as intended. Without these, state laws might distribute your assets differently than you’d like.
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Yes. Without legal documents in place, your assets may not automatically go to your partner. Establishing a trust, power of attorney, and medical directives can help secure their rights and help ensure they can make financial or healthcare decisions if needed.
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A will or trust allows you to name beneficiaries, including chosen family. Without legal arrangements, courts may prioritize biological relatives. Ensuring clear documentation prevents disputes and ensures assets are transferred according to your wishes.
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It depends! Discuss your saving, investing, retirement, and lifestyle goals to make sure you’re on the same page. A financial advisor can help align strategies for tax advantages, estate planning, and shared investments that reflect both partners’ priorities.
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ESG (Environmental, Social, and Governance) investing allows you to align your portfolio with LGBTQ+ rights, sustainability, and social responsibility. Many funds prioritize companies with diverse leadership, ethical practices, and initiatives that align with your values.
At Mercer Advisors, we’re able to integrate Socially Responsible Investing/ESG overlays into our portfolios so that your investments align with your values. We can also remove any individual stocks from your portfolio based on 17 different restriction criteria, such as Animal Testing, Firearms, and Tobacco.
