Cindy Giovacchino on How to Talk to Your Partner About Money — Before You Retire

As retirement draws closer, it's natural for couples to start thinking more seriously about their financial future. But while most are focused on the numbers, many overlook an equally important step: having honest conversations with each other about money.

According to Cindy Giovacchino, founder of Gio Financial and a seasoned financial planner, "Financial planning for retirement isn't just about savings—it's about making sure both partners are aligned on how they want to live in the years ahead."

Before discussing budgets, it's helpful for couples to talk about their lifestyle goals. What does an ideal retirement look like? Are there plans to travel, relocate, spend more time with family, or pursue hobbies?

Couples can build a financial plan around what truly matters by starting with shared values and long-term dreams.

"When both people are working toward a common vision, it's easier to make decisions together," says Giovacchino.

It's common for partners to have different views on money. One might prioritize saving and caution, while the other may be more comfortable spending. These tendencies can create conflict, especially if left unspoken.

Giovacchino notes that she frequently sees these differing financial personalities in her work with couples. "The goal isn't to challenge or change each other, but to understand where each person is coming from," she explains. "When there's empathy and mutual respect, it becomes much easier to find compromise."

When money conversations become tense or unproductive, a neutral third party—like a financial planner—can make a significant difference. A planner can facilitate the discussion, help clarify goals, and keep both partners engaged in the process.

"A neutral presence helps keep the conversation focused and constructive," says Cindy Giovacchino. "It's not about one person being right—it's about planning a future that works for both."

Talking to your partner about money may not be easy, but it's one of the most valuable things you can do before retirement. Open communication can help prevent conflict, ease anxiety, and ensure that your financial plan supports the life you both want to live.

With the right preparation—and guidance from professionals like Cindy Giovacchino—couples can approach retirement with greater confidence, clarity, and peace of mind.

Cindy Giovacchino is a dedicated financial planner with over 25 years of experience, passionate about helping clients work toward financial security. She offers personalized, hands-on guidance, whether working with high-net-worth individuals or those just starting their financial journey. Cindy Giovacchino is known for building lasting relationships.

Cindy Giovacchino is an Osaic Institutions Financial Professional. Securities offered through Osaic Institutions, Inc. Member FINRA/SIPC. There is no assurance that investing through a financial professional will improve net results.