Inequality hits LGBT people right in the assets. Remember all the hype about the “marriage penalty”? Actually, most of the penalties come if you cannot marry. Legal inequities -- especially the federal Defense of Marriage Act -- allow or even require discrimination in taxes, pensions, health care, real estate and much more. At this taxing time of year, financial advisor Mark Grace (photo 2) and estate planning attorney Susan von Herrmann (photo 2) fill us in on the extra steps queer people must take to protect themselves and their families financially.