Insights

Financial planning for
the rest of us.

Practical money guidance for people whose lives don't fit the standard financial services template — CalPERS employees, LGBTQIA+ families, neurodivergent thinkers, and everyone in between.

Browse by topic: CalPERS CalSTRS LGBTQIA+ Retirement Chosen Family Neurodiverse Behind the scenes
Asking for a Friend: How do you afford electrolysis when your insurance calls it “cosmetic” but your gender dysphoria says otherwise?
Asking for a Friend, Gender-Affirming Healthcare, Insurance, LGBTQIA Korinne Sugasawara Asking for a Friend, Gender-Affirming Healthcare, Insurance, LGBTQIA Korinne Sugasawara

Asking for a Friend: How do you afford electrolysis when your insurance calls it “cosmetic” but your gender dysphoria says otherwise?

Electrolysis is often dismissed by insurance as “cosmetic,” but for many trans and gender diverse people it’s essential gender-affirming care. In this post, I share practical ways to challenge insurance denials, estimate out-of-pocket costs, save intentionally, and find mutual aid and grant programs.

Read More

Ready?

Let's see if we're
a good fit.

Book a free 30-minute intro call. No pitch, no pressure — just a conversation about where you are and where you want to go.

Book a free intro call