Broker Check


The no-nonsense LGBTQ+ guide to gaining financial freedom

Our Process


Our History


Our Values


what others are saying ...

"The client stories clearly illustrate the emotions and real-world consequences of financial decisions."
—Robin King, Esq., President, Gay & Lesbian Lawyers Network**

"... takes you behind closed doors like no others."
—Joy Loverde, best-selling author of Who Will Take Care of Me When I'm Old?**

"Written from an LGBTQ+ political perspective—which I have not seen before in a financial planning book."
—Steve Adkins, President, Greater Miami LGBTQ Chamber of Commerce*

"… an important book … especially for the younger LGBTQ+ person."
—Michael Vita, Co-Founder, Broadway Cares/Equity Fights AIDS*

* This testimonial was given by a client of the financial advisor, and no compensation was provided directly or indirectly. There are no material conflicts of interest on the part of the person giving the testimonial resulting from the investment adviser’s relationship. This testimonial is not a guarantee of future performance or investment success, and the testimonial may not be representative of the experience of other customers. Visit BrokerCheck (https://brokercheck.finra.org) to see more on the background of this professional.

** This testimonial was given by a non-client of the financial advisor, and no compensation was provided directly or indirectly. There are no material conflicts of interest on the part of the person giving the testimonial resulting from the investment adviser’s relationship. This testimonial is not a guarantee of future performance or investment success, and the testimonial may not be representative of the experience of other customers. Visit BrokerCheck (https://brokercheck.finra.org) to see more on the background of this professional.

LEVERAGE YOUR LGBTQ+ DOLLARS TO PROTECT YOUR FINANCIAL FUTURE

Take Pride in Your Money: LGBTQ+ Financial Empowerment Stories & Strategies reveals how current politics and societal issues impact LGBTQ+ folx financial security and provides financial strategies to navigate them. Understand the effects of political and legal attacks on LGBTQ+ rights and discover how to empower your queer dollars to secure your financial future.

Packed with actionable solutions and “Here's the Tea” real-world examples, this no-nonsense guide outlines precisely how LGBTQ+ people can protect their financial future in a rapidly changing world. From overcoming legal and tax obstacles to leveraging wealth for social change, learn practical financial steps that will help you continue living out loud, proud, and prepared—no matter what comes next.

Get your assets moving with these quick-action callouts


Learn valuable lessons from real-world stories

Tea is spilled and truth is served in these case studies that explore financial misfortune with silver linings, illustrate how to avoid money mistakes, and speak the language of boosting your financial savvy.


GET TIPS TO BUILD A portfolio you can be proud of

Don’t let procrastination, denial, and avoidance be the next step in your financial planning journey. These thought-provoking recommendations invite you to think deeply about what you need to live the most vibrant life possible. 


Uncover smart money moves that can pay off for you

Financial regulations, insurance benefits, and markets are constantly changing. These action alerts show you how to take advantage of updated benefit policies to claim money you may be leaving on the table.   


Explore additional planning resources

QR codes give you instant access to online financial tools, inclusive professional service directories, and comprehensive explanations of important financial, legal, and equal rights topics.

Contents

Section 1: Why LGBTQ+ Financial Planning Demands a Different Approach

  • Money = Power
    • Fighting for Financial Equality
    • Paradoxical Politics
    • The “T” Also Stands for Trust

Section 2: How to Build Financial Strength in a Changing LGBTQ+ Landscape

  • Who’s Got Your Back? Align Yourself With Allies
  • Claim What’s Yours: From Benefits to Beneficiaries

Marriage and Pensions

  • Marriage and Social Security
  • Marriage and Individual Retirement Accounts
  • Marriage and Inheritance
  • Life, Death, and Marriage
  • The Gay Divorcée

Pride & Protection: The Importance of Insurance

  • Disability Coverage
  • Chronic/Critical Illness Coverage
  • Life Insurance Payouts
  • Medicare
  • Group Coverage
  • Medicaid
  • Trusts
  • Leveraging Long-Term Care Coverage
  • Caregiving in Our Community

“Gay-ging” in America: The Next Revolution

  • The Shifting Demographics of LGBTQ+ Aging
  • Exploring New Models of Communal Living
  • Left Out or Let In? The LGBTQ+ Aging Dilemma
  • Strengthening LGBTQ+ Bonds in Later Life

Estate Planning Ensures a Happy Ending

  • Power of Attorney
  • Wills & Trusts
  • Advanced Healthcare Directives
  • Beneficiaries & Titling
  • Guardianship

Empower Your LGBTQ+ Money to Ignite Change

  • Barriers, Behaviors & Biases, Oh My!
  • ESG & DEI: LGBTQ+ Values In Action
  • Confessions of a Client Whisperer
  • What’s Your Money Mantra?

David Treece is a fearless financial advocate for the LGBTQ+ community

He proudly says transgender. And LGBTQ+. And bi. And queer. And lesbian. And non-binary. And … It's not enough to say, “I treat everybody the same” because everyone is NOT the same.


David and his diverse team at Treece Financial Group lift up marginalized identities because it shows respect for a community that has long faced discrimination. As a gay financial advisor, he has experienced LGBTQ+ individuals’ real-world apprehension and mistrust toward the historically conservative financial industry.

https://www.gaybizmiami.com/David has provided advocacy-oriented financial advice and service to South Florida’s LGBTQ+ community for almost 35 years. At the forefront of his work is navigating the sometimes complex financial and healthcare needs of LGBTQ+ individuals as they age, oftentimes alone without a strong support network. He is a national leader in educating financial advisors on understanding LGBTQ+ clients' unique issues when it comes to financial and life planning.

Beyond financial planning, David is a dedicated behind-the-scenes community advocate who has been a pioneer in making Miami a leader in LGBTQ+ inclusion. He is the Founder and First President of the Miami-Dade LGBTQ+ & Allied Chamber of Commerce*, which has grown to be one of the nation’s largest LGBTQ+ Chambers in the U.S. David has also been honored by The National LGBTQ+ & Lesbian Task Force* and SAVE LGBT* for his contribution to advancing full freedom, justice, and equality for LGBTQ+ people. 

David holds life, health, and annuity insurance licenses as well as series 6, 22, 52 62, 63, and 65 securities registrations, and has an MBA from the University of Michigan, Ann Arbor. He and Luis, his husband of 39 years, divide their time between Miami and San Antonio de Areco, Argentina.

* The organizations listed on this page are not affiliated or registered with Cetera Advisors LLC. Any information provided by them is in no way related to Cetera Advisors LLC or its registered representatives.

Learn more about David
Buy Book
Access Videos
Schedule Consult

The views stated in this book are not necessarily the opinion of Cetera Advisors LLC. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results.