No, I don’t mean divorce, I mean your investments. Often, I meet with couples that have completely different attitudes about risk, time to keep money invested, types of investments, and where it should go when they are gone. It is o.k., financial plans, as well as the specific investments, can be carried out as if the couple were just two separate clients.

My clients that ask to be treated individually do pay a bit more in planning fees, but that is the only area where I treat them differently. If I am asked to produce two plans it is more work, generally not double the work, but sometimes it is. I always tailor my investment recommendations to the individual, so there is no change in that regard for my clients.

So take a deep breath and know that it is o.k. to separate, but just in this instance.

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