Merging Finances: Why It’s Just as Important as Marriage Counseling

Combining finances with your partner can be just as intimate and emotional as saying “I do.” At Sherman Wealth, we’ve seen firsthand that money can either be a tool for connection or a point of deep tension in a relationship. It’s not about the numbers; it’s about what those numbers mean to each of you.

We all carry money stories. Maybe you grew up in a house where money was never discussed — it was taboo, hush-hush, or even a source of stress. Or maybe you were raised by parents who were open, budgeting at the dinner table and discussing every financial move out loud.

Now imagine two people with totally different money upbringings trying to merge their lives. It’s no surprise that the conversations can be awkward, tense, or downright uncomfortable. But here’s the truth: those conversations are essential. Just like premarital counseling helps couples explore expectations and communication styles, financial planning forces you to look under the hood and get honest about your relationship with money — and with each other.

We’re not talking about who’s paying for Netflix or splitting the dinner tab. We’re talking about how you feel about debt, savings, risk, and the future. Do you want to buy a house in three years or travel the world first? Is one of you drowning in student loans while the other has a family trust fund? Are you both contributing to retirement — or avoiding it altogether?

These aren’t small details. These are foundational pieces of your life together.

Here at Sherman Wealth, we don’t have a hidden agenda — our only job is to help you get clear on what matters most to you and your partner. We know finances can seem overwhelming and complicated- We simplify it. Think of us like a financial therapist in a way. We create a safe, neutral space for you to talk about money without judgment. We ask the hard questions and help facilitate money conversations to build a roadmap. We help you craft a joint plan that reflects both of your values and goals — not just one person’s.

And no, this isn’t just for newlyweds. This is for any couple — engaged, cohabitating, or decades into marriage — who want to build a future on transparency and intention. So, when is the right time to start? Don’t wait until you’re discussing a financial surprise or missed goal. Having a structured conversation now — facilitated by someone outside the relationship who isn’t emotionally invested — is one of the smartest, most mature moves you can make. Let us help you align your financial life together as one. Email info@shermanwealth.com with any questions or schedule a complimentary intro call here to learn more on how we can help!