For many people who are married or in a relationship, Valentines Day is a time to show their spouse or partner just how much they mean to them. It’s a chance to reflect on a life together and all the positives that can bring, including support, companionship and the making of many happy memories.
More often than not, a successful relationship is based on couples working together as a team, as you navigate life’s ups and downs together. That’s why research by Unbiased in 2025 may come as a surprise.
It reveals that only half (49%) of two-adult households share responsibility for financial planning. Yet it can be extremely beneficial when it comes to budgeting, saving, investing and estate planning.
This is because working with your loved one can ensure you’re both working together to achieve your long-term goals while ensuring your financial security. Furthermore, if you and your loved one work with a financial adviser, you can make sure you’re getting the most from your wealth while protecting it from the unexpected.
With this in mind, read on to discover five ways a financial adviser can help you and your loved one get the most from your money.
1. They will understand your joint financial goals
We all have goals in life, and it’s likely your loved ones share them too and are on hand to support you in achieving them. Sharing your personal financial aspirations, as well as those you have as a couple, with an adviser could help you turn your dreams into a reality more quickly.
As a financial adviser take your shared and individual goals into consideration, they can create a holistic plan that brings your objectives together. As a result, your wealth could enjoy greater levels of growth potential, allowing you to achieve your aspirations in a timelier way.
2. An adviser can ensure your money is exposed to the right level of risk
If you are working towards a financial goal, you may already have investments in place. It’s important to remember that taking too much risk could jeopardise your wealth, but taking too little risk could also hold you back – it’s about finding the right balance.
If you and your loved one differ on investment risk, an adviser can help. They can ensure your money is exposed to an appropriate level of growth potential while keeping the overall risk at a level you’re comfortable with.
3. They can ensure you have a financial safety net
If you or your loved one is diagnosed with a serious illness or have an accident, you may need to take time off work to recover. While employers may continue to pay you while you’re having treatment and recovering, they are not legally obliged to do so.
As such, you or your loved one’s employer may not pay you if either of you are off work for an extended period of time, which could put your security at risk. This is because you may need to rely on your savings or any investments that you have to maintain your lifestyle.
If you both work with a financial adviser, they will be able to set up life or income protection that will protect you both if the unexpected, and unwanted, happens. As a result, you can both rest easy that you will be financially secure no matter what the future holds.
4. You genuinely have their best interests at heart
As a couple, there are several tax advantages that you can use to reduce your overall liability. Our financial advisers have a strong understanding of rates, allowances and strategies that can help maximise your tax efficiency, both as a couple and as an individual.
By minimising the amount of tax you and your loved one pays, you could help to give your wealth a boost, which in turn, could help you to achieve your goals even quicker.
5. You’ll be better placed to make good decisions
A key role of a financial adviser is to demystify the complex world of money and investing. As such, they explain the jargon filled and confusing world of finance in a simple and understandable way, which means you're better placed to make informed decisions.
Furthermore, as you will have a better grasp of investing and your money, you will also enjoy greater financial peace of mind. This means you and your loved one can make the most of today, safe in the knowledge that your financial future is bright.
Get in touch
As you can see, working as a couple with a financial adviser could be an extremely savvy strategy. If you would like to discuss how we could help you and your partner or spouse, please call us on 0333 010 0008 to arrange a no obligation initial meeting with one of our independent financial advisers.
12 February 2026