Are you looking for a way to strengthen your relationship this Valentine’s Day? While chocolates and roses are lovely, working on your financial future together might be the most romantic gift of all! Karen and I know from experience! We’ve been married 20 years! Let’s explore how couples can build both wealth and trust together.

The Love Language of Financial Planning

Just like love, financial planning is all about communication, trust and shared dreams. When couples work together on their finances, they not just managing money, but they’re building a foundation for their future too. Here’s why Valentine’s Day is the perfect time to start the money conversation:

• It shows you’re invested in your shared future

• It builds trust and transparency

• It helps you work as a team toward common goals

• It reduces stress and anxiety about money

Sweet Success: Tips for Merging Finances

Here’s how to blend your financial lives smoothly, whether your’e newly coupled or have been together for years:

The “Yours, Mine, and Ours” Approach
Create three accounts: individual accounts for personal spending and a joint account for shared expenses. This approach respects individual autonomy while fostering teamwork on shared goals.

Setting Shared Money Goals
Dream together! From a dream home to amazing vacations or early retirement, shared financial goals can bring you closer. Make it fun by creating vision boards or having regular “money dates” to discuss your progress.

Talking About Money: Making it Sweet, Not Sour

Money talks don’t have to be tense! Try these approaches:

• Start with dreams and goals rather than numbers

• Choose a relaxed setting (maybe over a nice dinner!)

• Celebrate financial wins together, no matter how small

• Be honest about your money history and habits

Building Your Financial Love Nest

Your shared financial future is an adventure, and like any great love story, it’s about the journey as much as the destination. Here are some practical steps to take together:

1. Create a shared budget that reflects both partners’ values

2. Set up regular check-ins to discuss financial progress

3. Plan for both short-term joy and long-term security

4. Consider meeting with a financial advisor like Arrow Advisors as a couple

Remember, the strongest relationships are built on trust, communication, and shared dreams... and that includes financial planning! This Valentine’s Day, give your relationship the gift of financial harmony!

Feel free to reach out to us at Arrow Advisors and we’ll be happy to offer lovebirds financial guidance.

The information provided in this newsletter is based on carefully selected sources, believed to be reliable, but whose accuracy or completeness cannot be guaranteed. All information and expressions of opinions are subject to change without notice and are those of Arrow Advisors. 

Arrow Advisors offers Advisory Services through International Assets Investment Management, LLC.

Arrow Advisors is an independent and unaffiliated entity.