How to navigate ‘the money talk’ with your partner

Money is one of the hardest topics for couples to discuss. That’s because it’s deeply personal, tied to our values, goals and even our sense of identity. So when you bring a partner into the picture, you’re not just combining bank accounts, you’re merging financial histories, beliefs and habits.

Why having financial conversations are important

Finances are intertwined with nearly every aspect of shared life: daily routines, long-term goals, family planning, and even how you spend your free time. But if differences aren’t addressed early and openly in a relationship, they could create friction.

Open and ongoing financial communication helps build trust, reduces conflict, and ensures both partners feel seen, heard, and supported.

For 2SLGBTQIA+ couples, unique challenges such as income disparity, lack of family support, or navigating legal/estate planning make clear communication even more essential.

Common money challenges

• One partner spends, the other saves
• Significant income differences
• Confusion over shared versus separate finances
• Hidden debt or lack of transparency
• Different comfort levels with financial planning or risk

These are common issues, but they are solvable with the right strategies and support. As your financial advisors, we can help in several ways:

• Facilitate conversations to reduce tension
• Help you understand each other’s financial styles
• Create a shared financial plan that reflects your values
• Offer tailored advice on legal, tax, and estate planning — especially important for 2SLGBTQIA+ couples

Ready to talk?

You don’t have to navigate these challenges alone. Whether you’re just starting out or planning the next chapter together, we’ll help you build a financial future that supports both of you.

Contact us