Commentary
Only fools rush in
“Let us be lovers, we’ll marry our fortunes together.”
Never have the lyrics from Simon and Garfunkel been more apt for same-sex couples. But, as Elvis sang, “Wise men say, Only fools rush in”!
In the early days of love, it is easy to rush in and get married without thinking about the financial consequences. However, after the glow of love subsides and the reality of marriage sets in, the financial complications could be significant for couples that have not thought through the ramifications or done advanced planning. Thanks to the Defense of Marriage Act, federal law and the IRS do not recognize relationships between same-sex couples; neither does the People’s Republic of Virginia, for that matter. As a result, where D.C. and Maryland laws overlap federal law, a new state is created — the state of confusion.
For example, there are no transfer taxes when adding a spouse to the title of your home. However, because federal laws do not recognize our relationships, adding a partner could trigger a gift tax of up to 35 percent in 2010 of the value of the equity.
Another complication that often arises is your tax filing status. Your federal taxes need to be filed as an individual. If you live in the District of Columbia you can file your D.C. taxes either jointly or as an individual. However, according to Equality Maryland, “In the past Maryland taxpayers have generally been required to file their tax returns using the same “single” or “married” status they use on their federal returns. Because of the discriminatory federal DOMA, married same-sex couples have had to file their federal returns as “single.” Further analysis will be needed to determine whether married same-sex couples can file their state returns jointly as married.”
So, what’s a newly married couple to do? Below is a list of frequently asked questions about the financial issues of marriage. Keep in mind that every situation is different, so speaking with a qualified adviser about your particular situation is recommended.
Should we get married?
The answer really depends on your goals. Marriage is a legal act and carries with it significant financial and legal obligations. It should not be entered into lightly. In situations where one partner is heavily in debt or has a serious health situation that may require the spending down of assets to qualify for state provided aid, marriage may not make sense.
Should we combine our financial assets like bank accounts or investment accounts?
Probably not. Thanks to the Defense of Marriage act, same-sex marriages are not recognized for the purposes of federal law. As a result, combining assets like financial accounts can trigger a federal gift tax of up to 35 percent when your partner withdraws funds in excess of the annual gift exclusion, which for 2010 is $13,000. This tax is payable by the giver.
Should I add my partner to the title of my home?
Again, probably not. This is a common mistake that many couples make. Adding a partner to the title of a home could create a federal gift tax of up to 35 percent in 2010 of the half of the equity. The tax is payable in the year the gift is made and paid by the homeowner. Secondarily, if the home has already appreciated significantly in value, you could also be creating a future capital gains problem.
Should we still get a will and other estate planning documents?
Absolutely. If your partner ends up in a Virginia hospital, your marriage may not be recognized. As a result, you could be denied access to visit your partner. Having medical powers of attorney and back up documents are important, as they will give you the authority to act in circumstances where your marriage is not recognized.
As mentioned earlier, for federal taxes, the law is clear: same-sex married couples can only file their taxes as single. For the state of Maryland it is still up in the air as there is no clear guidance on how to file taxes in the state. In the District, same-sex married couples can now file their taxes either jointly or as single.
Should we sign a prenuptial agreement?
There are many financial considerations for signing a prenuptial agreement. These situations typically arise when one of the partners brings significantly more assets to the relationship or makes appreciably more income. Some of the questions that ought to be asked, include: How will responsibility for the debts acquired before the marriage be paid? How will debts incurred during the marriage be divided? How will non-financial assets such as houses, automobiles, collections or artwork be divided? Are you both going to name each other as beneficiaries on life insurance policies and retirement assets such as 401(k)s, TSPs or IRAs?
Are there any other financial considerations we should consider?
Yes, federal estate taxes could be a future problem. Unless Congress acts, next year the federal estate laws change, exposing significantly greater numbers of same-sex married couples to the federal estate tax upon the death of a partner. Keep an eye out for next week’s article with more details about the impact of this.
This information is not legal or tax advice. Consult a professional regarding your specific tax and other potential legal obligations. Seek counsel from your own professional advisors when making tax, estate and/or financial planning decisions.
Joseph Kapp is a financial planner with Lincoln Financial Advisors Corp. Reach him at [email protected].
DC Agenda, Equality Maryland and the DC Center will sponsor a series of free estate and financial planning workshops to help local couples navigate new laws related to same-sex marriage. RSVP to Kevin Walling at [email protected] or 410-685-6567.
Join us in Baltimore, Silver Spring or Washington to learn more:
April 13, 7 p.m., 190 W. Ostend St., Suite 201, Baltimore, MD.
April 14, 7 p.m., 8720 Georgia Ave., Suite 303, Silver Spring, MD.
April 15, 7 p.m., 1330 Massachusetts Ave., NW, Washington, D.C.
Commentary
Center Arts Gallery celebrates 10 years with reception, auction
Oct. 17 fundraiser to feature jazz combo, artwork created on site
Ten years ago, I had a vision: to create a dedicated space within The DC LGBTQ+ Community Center for local LGBTQ+ artists to share their creativity in a community space conceived specifically for them. That vision became the Center Arts Gallery. Over the past decade, the Center Arts Gallery has grown into a true home for our LGBTQ+ siblings, a place illuminating our joy, resistance, and resilience through the power of art.
Art is so much more than decoration. It can be a powerful protest, a keeper of memories, a testament to survival, and a vivid reminder that our lived experiences deserve to be seen, heard, and deeply valued. When we created the Center Arts Gallery, our goal was to remove barriers so that queer artists could feel welcomed, supported, and completely free to express themselves. Now, as we mark the incredible 10th anniversary of Center Arts, love truly comes full circle as many of those same amazing artists and creatives are giving back by donating their artwork for a special benefit auction.
On Saturday, Oct. 17, 2026, The DC LGBTQ+ Community Center will host our annual Fall Reception and Art Auction, celebrating 10 years of Center Arts Gallery at 1827 Wiltberger St., N.W., with an ambitious fundraising target of $25,000.
Appropriately themed “The Art of Belonging,” this milestone celebration will bring our community together with intention, uniting multiple forms of local queer creativity under one roof. The evening promises to be an unforgettable experience.
We are thrilled to have the celebration hosted by award-winning spoken word artist, poet, and educator Charity Blackwell. Attendees will enjoy smooth jazz selections performed by 2nd Independence — a jazz combo from the DC Different Drummers — alongside delicious heavy hors d’oeuvres provided by Shaw Tavern and exquisite dessert offerings by celebrity chef Patrick Vanas.
Throughout the night artwork will be created live on site, joining the online pieces generously donated by local artists.
Most importantly, every dollar raised during the reception and auction goes directly toward sustaining The DC Center’s life-affirming programs and supportive services. From food assistance providing nourishing meals, the free food pantry, and behavioral health counseling, to trauma-informed case management, resource navigation, HIV/STI testing, and essential hygiene services like showers, laundry, and a clothing boutique, our doors remain open because
of community support. These funds also support our cyber lounge, mail and locker services, harm reduction supplies, and critical wellness programs.
To ensure that everyone in our community can fully participate, ASL interpretation will be provided during the event program. We offer flexible ways to join us: General Admission is free (currently at capacity), with custom signature cocktails, wine, and beer available for purchase.
For those looking for an elevated evening, our $75 VIP Experience includes early admission at 6 p.m., early online auction access, complimentary Champagne (6-7 p.m.), an intimate opportunity to mingle with participating artists, a special swag bag, plus an open beer and wine bar throughout the entire evening.
For 10 years, Center Arts Gallery has shown us that belonging is an art form we create together. As we look back on a decade of community and look forward to the future, I invite you to join us, support local queer artists, and invest in the essential programs that keep our community thriving. Let’s come together to ensure that The DC Center can continue to educate, empower, uplift, and connect us all for generations to come.
Kimberley Bush is executive director of The DC LGBTQ+ Community Center.
Commentary
Washington Blade responds to concerns over White House pool duties
Inaccurate media reports create confusion but we stand with our colleagues
Last week, President Trump announced his unconstitutional ban of CNN, MSNow, and Politico from the White House. Coincidentally, on Monday, it was the Washington Blade’s turn to serve as the print pool reporter on duty covering the president’s actions that day. This important responsibility is shared and rotated among the print members with each serving roughly once per month. The Blade is the only LGBTQ outlet with a seat in the briefing room, a slot in the pool rotation, and membership in the White House Correspondents’ Association, something we fought for decades to secure after enduring years of discrimination, ridicule, and resistance to openly queer journalists working inside the White House. We take our responsibilities there seriously.
There are two pools that cover the president: broadcast and print. The other four members of the broadcast pool — ABC, CBS, NBC, and Fox News — agreed to boycott their pool duties. There has been no boycott among the print pool, which is a separate entity. I called the president of the White House Correspondents’ Association on Monday to confirm that no outlets in the print pool were boycotting.
A boycott by the Blade would set us back and lead to our expulsion from the pool and briefing room and our replacement by a right-wing outlet sympathetic to President Trump’s approach to attacking the media. The LGBTQ community is far better served with the Blade in the room than a far-right blogger taking our seat.
Let’s be clear: the Blade stands for diversity, equity, and inclusion and we stand for the First Amendment and freedom of the press. In solidarity with the broadcast pool, we made two important decisions on Monday — the first day anyone had to think about any of this. First, we refused to take or share any videos or still photos of the president, which would have undermined the broadcast boycott. Second, when Politico’s turn comes up for pool duty in mid-October, the Blade will not fill in and cover for them while they are banned. Politico must be readmitted and allowed to do their job.
After a rough day navigating and reporting on all of this, the Advocate published a reckless and inaccurate story suggesting that the Blade had crossed a picket line. Not true, as there is no print pool boycott. They claimed that I wouldn’t talk to their reporter. Also not true. I called their reporter within 90 minutes of receiving his message and he didn’t take the call or call me back. Their story named me and our White House reporter, immediately exposing us to public criticism and worse. The environment in D.C. is so toxic and even violent these days that subjecting our staff to unfair and false accusations like this invites harassment, doxxing, and worse. To do that without even talking to us is next level irresponsible and the antithesis of journalism.
On Tuesday, I talked to two reporters and an editor at the Advocate but they refused to retract anything in their inaccurate story. If the reporter had returned my call, I could have explained all of this but they are more concerned with clickbait and sensational headlines, a dangerous practice in these troubled times.
Back to the pool. The Blade was in the briefing room in the Reagan era, when Press Secretary Larry Speakes made jokes about AIDS and the reporters in the room laughed out loud. We endured all of that abuse and worse for decades, always standing in the back of the room and never being called on. The Blade’s journalists persevered. When President George W. Bush was re-elected in 2004, the Blade’s White House credentials were revoked amid an earlier press crackdown. Notably, no one boycotted or stood up for us. When Barack Obama won election in 2008, I received an email from his communications director informing me that effective midnight on Jan. 20, 2009, the Blade’s credentials would be restored.
So we have had quite a ride navigating administrations and their changing requirements for gaining access but always playing the long game. As Barney Frank used to say, “If you’re not at the table, then you’re probably on the menu.” The Blade is at the table and we do our best to ensure the LGBTQ community’s issues are addressed by both parties.
Thanks for reading and supporting the Blade’s work. If you have questions about our approach, you can reach me at [email protected].
Kevin Naff is editor of the Washington Blade. Reach him at [email protected].
Commentary
What LGBTQ veterans are building after ‘Don’t Ask, Don’t Tell’
DADT repeal took effect on Sept. 20, 2011. Trans servicemember ban reinstated
Fifteen years ago this month, the repeal of “Don’t Ask, Don’t Tell” took effect. At the time, the importance of the change was obvious: gay, lesbian, and bisexual Americans would no longer have to hide who they were to wear the uniform. What was harder to see was what would follow: a generation of LGBTQ veterans able to carry their service openly into American civic life.
Earlier this month, Alaska state Rep. Andrew Gray, an Army veteran, stood before the Anchorage Assembly and asked the city to recognize Sept. 20 as LGBTQ Veterans Day.
His former command sergeant major, Mike Grunst, followed him to the microphone. A 35-year veteran who had served in combat, Grunst called troops who had served while hiding who they were “the bravest I have ever served with.”
Then Denise Sudbeck stepped forward. A Vietnam-era Navy veteran, she thanked the country for the privilege of serving and asked that the next generation have the same chance.
The Assembly approved the recognition.
Nothing about the scene required a new vocabulary. A veteran made a request of his community. A commander vouched for those who served beside him. Another veteran asked that younger Americans inherit the opportunity she valued. They entered the civic record simply as veterans.
That identity can do more than win recognition.
When federal policy abruptly ended the careers of transgender servicemembers this year, veterans and servicemembers in California began asking a practical question: What happens when those Americans come home?
Republican Assemblyman Jeff Gonzalez, a Marine combat veteran, began one hearing with questions about transgender military service. He listened as veterans explained how the military handles medical care and deployment case by case.
Then the discussion turned to separation.
“I don’t wanna see any veteran homeless,” Gonzalez said. Before the hearing ended, he was asking: “How can I help? How can I understand? How can I be a good advocate?”
The legislation that followed would provide housing, employment and transition assistance to discharged servicemembers. Republican state Sen. Shannon Grove spoke for it. The Senate passed it 32 to 0.
Americans have plainly not settled their disagreements over transgender people. Nor should military service be a prerequisite for rights that belong to every citizen.
But military service creates relationships that are difficult to reduce to the abstractions of the culture war. Before a legislature, “the transgender issue” can become a veteran who deployed, an officer who led troops, or the person who once stood beside you.
The political question changes because the human relationship has already changed.
The pattern is beginning to appear across the country. Kansas is among the states recognizing LGBTQ Veterans Day for the first time this year. New York and Virginia are pursuing broader state-level programs for LGBTQ veterans.
Sept. 20 is deliberate. On that day in 2011, “Don’t Ask, Don’t Tell” ended.
We usually remember repeal for what LGBTQ Americans gained: the ability to serve openly. Fifteen years later, we can also see what the country gained.
A gay veteran can stand before his local government beside the commander who once led him. A transgender servicemember can sit before a legislator who begins with doubts and ends by asking how he can help. A veteran from an older generation can ask her neighbors to give those who follow her the same chance to serve.
This is citizenship in practice.
The enduring legacy of “Don’t Ask, Don’t Tell” repeal is not only that Americans were finally allowed to serve openly. It is also what they can now build after coming home.
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