We often think of gifts in terms of flowers, weekend getaways, or that perfect item they’ve had their eye on. But when it comes to lasting love, one of the most meaningful gifts you can give your spouse isn’t bought in a store—it’s sitting down together to plan your future.
Sound boring? Think again.
Whether you’re talking about retirement, Social Security, health care, or how you want to spend your days together, it shows you care. Planning together is a profound act of love, trust, and partnership.
Let’s unpack why.
It’s About More Than Money
Financial security is emotional security. Pause a second and think about that for a moment… what is more valuable to the stability of a relationship than the peace of mind that comes from knowing:
- You’re on the same page
- You’ve made thoughtful decisions—together
- You’ve taken care of each other’s future, no matter what happens
Financial planning isn’t just about the science of managing your financial resources. It is much more than that! It is mostly about placing the other’s well-being and security before your own. And that speaks volumes. It’s about aligning your goals, values, and dreams in a way that protects each other and brings you closer. Jamie and I have witnessed many touching scenes from couples… the hugs, the hand-holding, and tender tears.
One of You Might Be the “Money Person” (And That’s OK)
In many couples, one person handles most of the financial decisions. But what happens if that person isn’t around?
Planning together doesn’t mean you both need to be financial experts—it just means you’re both involved with an expert. You’re both in the loop, both asking questions, and both understanding the “why” behind your decisions.
Even if one person takes the lead, the other should always feel confident and included.
Your Spouse Deserves to Know They’ll Be OK
No one likes to think about tough topics—aging, illness, or losing a partner. But having open conversations now is a powerful exercise and can relieve enormous stress down the road. Too many couples kick the can down the road… don’t do it!
When you plan together, you’re saying:
“I love you enough to make sure you’re protected, even if I can’t be there to do it myself.”
This act isn’t gloomy, it’s deeply respectful and caring. It also adds an advisor to your team who understands the intricacies of the plan that you can depend upon if a crisis hits.
This Gift Pays Off for Years
Planning together now prevents miscommunication, frustration, and financial surprises later. In fact, it’s one of the best ways to:
- Avoid the “I wish we’d talked about this sooner” trap
- Help your spouse feel secure—whether you’re there or not
- Build a stronger, more unified future
It might not come with a bow, but it’s a gift they’ll never forget.
Not Sure Where to Start?
You don’t need to figure it all out alone. A good advisor will help you ask the right questions, weigh your options, and make a plan that works for both of you—not just on paper, but in real life.
At our firm, we specialize in working with couples who want to feel prepared, protected, and proud of the decisions they’ve made. No pressure, no jargon—just real, thoughtful planning.
Final Thought:
If you’ve been putting off talking about retirement or finances, consider this your gentle nudge. Not because you have to, but because you care.
Ready to give your spouse the gift of peace of mind?
Let’s start the conversation—schedule your no-pressure planning session today.
This article is provided for informational purposes only. It is always best to counsel with your financial advisor or your tax professional to ensure that you make the best decision for your circumstances.
