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It should come as no surprise that the LGBT community puts more emphasis on discretionary spending versus savings, according to the survey. I simply believe that financial planners need to be aware of the Equality Act and financial planning is based upon the information provided in the fact-find by the client, gay or not. Here is the basic math — to help you see daily, monthly and yearly what it will take to retire a millionaire. How are you feeling about your finances? Most of the responses were probably fine, but it is just unbelievably shocking that there are still people who discriminate and it reminds me why I need the company.

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Regardless of gender, from birth or choosing, just treat everyone fairly with respect, dignity and understanding.

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These include dining out, traveling, etc. Black Voices. For more information check out his Fiduciary Financial Planning Website www.

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The TUC wants to hear of examples of bad practice, but is also keen to hear examples of good agreements and policies on dress code.

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