{"id":23228,"date":"2026-02-11T10:04:00","date_gmt":"2026-02-11T10:04:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/four-financial-planning-tips-couples\/"},"modified":"2026-05-26T18:13:37","modified_gmt":"2026-05-26T18:13:37","slug":"four-financial-planning-tips-couples","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/four-financial-planning-tips-couples","title":{"rendered":"Four financial planning tips for couples"},"content":{"rendered":"\n

Planning your finances with your partner could help you build a more secure financial future. Whether you\u2019ve been together for years or are embarking on a new relationship, here are four financial planning<\/a> tips for couples.<\/p>\n\n\n\n

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Find out how to invest more tax efficiently and reach your goals in our comprehensive guide.<\/p>\n\n\n\n

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1. Be open with one another<\/h2>\n\n\n\n

It\u2019s easy to assume you and your partner are on the same page when it comes to your finances. But if you haven\u2019t had an open and honest conversation about your savings, spending, income and debt, you could be in for a nasty surprise. Your habits and attitudes towards money could differ substantially, potentially leading to arguments further down the road.<\/p>\n\n\n\n

Talking about your finances may feel awkward, but it\u2019s a really important way of maintaining a healthy relationship. It can help you to set expectations, work through any issues, create a budgeting plan that suits both partners, and build a more solid financial plan.<\/p>\n\n\n\n

2. Try to agree some mutual goals<\/h2>\n\n\n\n

It\u2019s great to have individual goals in life, but you might find it easier to stay on track if you feel like you\u2019re in it together. Agreeing one or two mutual goals will give you something concrete to work towards as a couple.<\/p>\n\n\n\n

Having goals is important because it helps you decide how much money you need to save, and where to invest it. If, for example, you want to move to a bigger property<\/a> in three years\u2019 time, then it probably makes sense to put this pot of money in a low-risk cash savings account. That way, you won\u2019t run the risk of your savings falling in value just before you need to access them.<\/p>\n\n\n\n

For goals that are five or more years away, you should consider investing<\/a> at least some of your money in the stock market. This will give your money the opportunity to grow over the long term<\/a>, helping you reach your goals more quickly.<\/p>\n\n\n\n

3. Think about your tax position<\/h2>\n\n\n\n

Tax isn\u2019t the most romantic subject, but there are several tax planning opportunities that could help more of your money go towards your future. Individual Savings Accounts (ISAs), for example, let you each invest up to a maximum of \u00a320,000 a year (this tax year) to benefit from tax-efficient income and growth. If you both open an ISA, that\u2019s a combined \u00a340,000 that you could shield from income tax and capital gains tax (CGT) each year.<\/p>\n\n\n\n

Investments that aren’t held in an ISA or other tax wrapper may be subject to CGT when gains are realised. However, if you\u2019ve used up your ISA allowances, the CGT exemption lets you each realise tax-free investment gains of up to \u00a33,000 in the current tax year. Couples who are married or in a civil partnership can transfer investments between one another tax free, which effectively doubles the CGT exemption to \u00a36,000.<\/p>\n\n\n\n

There\u2019s also the personal savings allowance, which is the amount of interest you can earn without paying tax. This is \u00a31,000 for basic-rate taxpayers, \u00a3500 for higher-rate taxpayers, and nil for additional-rate taxpayers. Again, couples who are married or in a civil partnership could consider transferring savings between one another to maximise each partner\u2019s personal savings allowance.<\/p>\n\n\n\n

Tax can be complicated, so make sure you seek professional advice.<\/p>\n\n\n\n

4. Consider your \u2018Plan B\u2019<\/h2>\n\n\n\n

Talking about death and illness probably won\u2019t make your list of best-ever date nights, but it\u2019s really important to consider how your finances would hold up if the worst were to happen. As a couple, your finances may be closely intertwined, which means if one of you suffered a serious illness or passed away<\/a>, the other could really struggle financially. A wealth manager can help you decide on the right policies and level of cover for your circumstances.<\/p>\n\n\n\n

This is also a good time to think about drawing up a will. Writing a will ensures your money and other assets go to the right people and causes, and that your wishes are carried out. Having a will is especially important if you aren\u2019t married or in a civil partnership \u2013 even if you\u2019ve been living together for years, you\u2019ll have no automatic entitlement to your partner\u2019s estate if they die without a will.<\/p>\n\n\n\n

Next steps<\/h2>\n\n\n\n

Tackling your finances as a couple can help you avoid quibbles about money and reach common goals, but getting started isn\u2019t always easy. A wealth manager can help you build a financial plan that works for you, so you can feel confident you\u2019re on the right track. <\/p>\n\n\n\n

Find out more from our dedicated support team by calling us on 020 7246 1111. Opening hours are Monday to Friday 9am to 5pm.<\/p>\n\n\n\n

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Get financial planning tips straight to your inbox<\/h3>\n\n\n\n

Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n\n\n\n

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The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

From being open with one another to considering your \u2018Plan B\u2019, discover four ways to plan your finances as a couple.<\/p>\n","protected":false},"author":97,"featured_media":52969,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[195],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[768,769],"rbcwm_segment":[792,772],"rbcwm_solution":[758],"rbcwm_topic":[757],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-23228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","rbcwm_need-grow","rbcwm_need-secure","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-wealth-planning","rbcwm_channel-private-clients","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"From 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