Financial Planning as a Couple: Set Your Love Up For Success

A Match Made in Heaven: You, Your Valentine and Financial Planning

Valentine’s Day is more than a chance to celebrate your significant other in words, flowers and gifts. It’s also a fine time to prove your love with action through, yes, financial planning.

While you may or may not find investing and financial planning particularly romantic, we think they set the perfect stage for providing stability and a legacy that will allow your love to blossom for many years to come.

Creating financial security is a powerful and lasting way to say, “I love you!”

Here are five gestures from small to grand you can make alongside your professions of affection this February 14:

  1. Check Beneficiary Statuses. It might not be pleasant to think about, but what could be a better expression of love than making sure those you care about are taken care of after you’re gone? Reviewing who is listed as a beneficiary on your investment and retirement savings accounts every year is a smart move, and Valentine’s Day is as good a reminder as any to keep beneficiary designations up-to-date.
  2. Review Insurance Policies. Likewise, of particular importance, especially if you’re a parent, is having proper insurance coverage in the event that calamity strikes. For more from our team on insurance of all types, listen to The Adviser You Can Talk To Podcast episode that covers common insurance needs for people of all ages.
  3. Budgeting for a Romantic Getaway. When was the last time you took a vacation together, just the two of you? It’s still early enough in the year to fit a special trip into your annual budget. Our Budget Worksheet can help you figure out how to pay for that special getaway.
  4. Buying a Vacation House. A romantic trip to the beach, lake or ski resort leads many vacationers to ponder what it would take to turn their favorite destination into a permanent family retreat. A second home may not be for everyone, so click here to learn more about the important factors that go into determining if a vacation home is right for you.
  5. Should You Invest in Gold? You may have heard that gold is a good inflation hedge. Well, gold sold for $875 an ounce just over 30 years ago, and is now selling for around $1,500 an ounce—about 50% less than if it had kept up with inflation over that time. In our view, the best investment you can make in gold is to hang some around the neck of someone you love.

If any of these ideas spark your romantic muse and you would like advice on putting them into action, please don’t hesitate to contact us. After all, creating financial security is a powerful and lasting way to say, “I love you!” that can be savored far longer than a box of chocolates.

About Adviser Investments

Adviser is a full-service wealth management firm, offering investment managementfinancial and tax planningmanaged individual bond portfolios, and 401(k) advisory services. We’ve been helping individuals, trusts, institutions and foundations since 1994. Adviser Investments and its subsidiaries have over 5,000 clients across the country and over $8 billion in assets under management. Our portfolios encompass actively managed funds, ETFs, socially responsible investments and tactical asset allocation strategies, and we’re experts on Fidelity and Vanguard mutual funds. We take pride in being The Adviser You Can Talk To. To see a full list of our awards and recognitions, click here, and for more information, please visit or call 800-492-6868.

This material is distributed for informational purposes only. The investment ideas and opinions contained herein should not be viewed as recommendations or personal investment advice or considered an offer to buy or sell specific securities. Data and statistics contained in this report are obtained from what we believe to be reliable sources; however, their accuracy, completeness or reliability cannot be guaranteed.

Our statements and opinions are subject to change without notice and should be considered only as part of a diversified portfolio. You may request a free copy of the firm’s Form ADV Part 2, which describes, among other items, risk factors, strategies, affiliations, services offered and fees charged.

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