How Advisors Can Help Couples Navigate Money Better: Practical Frameworks from “Money Together”
- Titleist Advisor Network
- 12 minutes ago
- 3 min read
Insights from Douglas and Heather Boneparth on strengthening client relationships through deeper financial conversations.
How Advisors Can Help Couples Navigate Money Better: Practical Frameworks from “Money Together”
How Advisors Can Strengthen Planning Relationships Through Human-Centered Conversations
Financial planning is no longer just math, allocation models, and quarterly reporting. Today’s clients expect their advisor to help them navigate the real human dynamics shaping financial decisions.
In this episode of The Resilient Advisor Podcast with Jay Coulter, Douglas and Heather Boneparth share a practical framework advisors can use to help couples understand each other, communicate more openly, and strengthen long-term planning outcomes.
Understanding Cultural, Behavioral, and Generational Money Differences
Advisors are often the only neutral party capable of spotting when cultural upbringing, money scripts, or family expectations are quietly driving financial tension.
Key themes include:
When partners come from different financial cultures
Permission structures around earning, spending, or risk-taking
Long-standing “shoulds” that create shame or disconnection
These conversations help advisors build trust while allowing couples to communicate more effectively.
Supporting Neurodivergent Clients with Adaptable Planning Tools
Not all clients process information the same way. Some require visual frameworks, some need shorter decision cycles, and others need automation or structure.
The example of shifting from spreadsheets to whiteboards is a reminder: the advisor’s job is to meet clients where they are, not where the advisor prefers to operate.
Navigating Complex Situations: Inheritance, Family Wealth, and Stepchildren
Advisors routinely encounter clients who:
Marry into wealth
Receive uneven financial support from parents
Are responsible for stepchildren
Are under real or perceived pressure from extended family wealth systems
The Boneparths outline how advisors can tactfully guide expectations, introduce the value of a separate advisor from “the family’s advisor,” and help couples establish their own financial identity.
Conversation Starters That Truly Move the Needle
At the end of each chapter in Money Together, the Boneparths offer question sets that advisors can immediately use with clients.
Three standouts:
Does anyone else’s money influence your life?
Have you ever sold yourself on something you wanted to be true?
Are you consuming anything online that doesn’t serve you?
These questions surface real motivations, pressures, blind spots, and financial narratives—critical insights for planning.
Why This Matters for Advisors
The Titleist Advisor Network is built for advisors who value independence, innovation, and deep client relationships. Money Together aligns with how elite advisors differentiate:
Strong discovery
Exceptional communication
Human-centered financial planning
Meaningful, lasting client relationships
Grab your copy of Money Together here.
Join 1000's of advisors who subscribe to Jay's Saturday Note to receive his stories, strategies and ideas for building a resilient life.
Learn how the Titleist Advisor Network helps independent advisors build scalable, marketing-savvy firms at www.jointitleist.com
Advisors ready to build resilient, scalable firms should explore how Titleist Asset Management and the Titleist Advisor Network help them grow through operational excellence, technology, and true ownership.
👉 Learn more at JoinTitleist.com
At Titleist, our TAM360 platform enables advisors to use an AI enabled, digital first, tightly integrated platform to serve their clients. Jump is just one of the tools that are part of our package.
Titleist Asset Management, LLC (“TAM”) is registered with the SEC as an investment adviser. TAM’s affiliate, Titleist Capital, LLC (“Titleist Capital”), is registered with the Securities and Exchange Commission (“SEC”) as a Broker-Dealer and is a member of the Financial Industry Regulatory Authority (“FINRA”) and the Securities Investor Protection Corporation. TAM does not offer or provide legal or tax advice. Please consult your attorney and/or tax advisor for such services
Titleist Advisor Network is affiliated with Titleist Asset Management, LLC and Titleist Capital, LLC. for advisor recruitment.
Comments