How do you talk about money when the real issue is not the money?
That is a question I am asked, and ask myself, often. Because in my work, it comes up all the time.
Whether I am helping a client through divorce, navigating financial control within a relationship, or advising on how to manage an inheritance or IVF planning, the common thread is this:
The conversation matters as much as the advice.
I explored this in a recent appearance on the Financial Standard Podcast (Episode 144: Sensitive Client Conversations). We covered everything from financial coercion to wealth transfers to how to support clients with different levels of financial literacy.
One key insight I shared is that as advisers, we need to do more than deliver technically correct advice. We need to create a space where clients can engage with the advice, and with each other, in a way that feels safe, fair and clear.
That might mean:
- spotting signs of financial dependency and knowing how to address it
- helping couples clarify whether a financial gift is a loan or an inheritance before it becomes a source of conflict
- adjusting our language when one partner is less financially literate than the other
- being mindful of our own wellbeing when supporting clients through emotionally charged situations
These are sensitive moments, but they are also opportunities to make a real difference in people’s lives.
You can listen to the full episode here: https://www.financialstandard.com.au/podcast
If you are facing a major life transition and want financial advice that understands the whole picture, we are here to help. Learn more about how we work at www.planningsolo.com.au or book a call today.
