Money Conversations That Can Help Strengthen Families

Why open dialogue can matter more than ever in building generational wealth

For many families, money is one of the last things we talk about—and one of the first things that causes conflict. Whether it's differing spending habits, unclear expectations around inheritance, or just the discomfort of discussing finances at all, the result is often silence... and eventually, stress.

At Tanner Wealth, we believe that wealth isn’t just about numbers on a spreadsheet. It’s about relationships, values, and legacy. And one of the greatest gifts you can give your family is not just financial provision, but financial clarity.

Why These Conversations Matter

When families avoid talking about money, misunderstandings can multiply. Adult children may be unsure of their role in future planning. Spouses may carry unspoken fears about security. And when a crisis hits—whether it’s a health event or the passing of a loved one—these gaps can become deep divides.

On the flip side, when families engage in open, honest money conversations, powerful things can happen:

• Trust grows.

• Unity strengthens.

• Stewardship deepens.

You’re no longer just managing wealth. You’re cultivating a legacy.

Start With Values, Not Just Dollars

Some of the best money conversations don’t start with spreadsheets—they start with stories. Ask questions like:

• What do we want our money to say about what matters most to us?

• What causes or people do we feel called to support?

• What kind of legacy do we want to leave—financially, spiritually, and relationally?

When the conversation centers around purpose, the numbers find their proper place.

A Few Practical Tips to Begin

Here are some ways to break the silence and help build a stronger financial foundation as a family:

• Schedule a family wealth conversation.

  
  

  Whether it’s a formal meeting or a relaxed dinner, put it on the calendar. Don’t wait for a crisis.

• Clarify roles and expectations.

  
  

  Who will serve as executor, trustee, or power of attorney? If children are involved, do they understand your wishes?

• Normalize financial learning.

  
  

  Share lessons you’ve learned—good and bad. Invite younger generations to ask questions and take part in planning.

• Work with a guide.

  
  

  Sometimes having an advisor in the room can help facilitate difficult topics with wisdom and neutrality. That’s part of what we offer at Tanner Wealth.

Legacy Is Built in Conversation

Financial legacy isn’t just what you leave behind. It’s what you live out—day by day, decision by decision, conversation by conversation.

At Tanner Wealth, we walk alongside families who want more than just growth. They want impact. If you're ready to start having these conversations with your family, we’d be honored to help guide the way.

By John Tanner, VP | Regional Leader | Wealth Advisor

FI Advisors, Inc.

913 N PATTERSON STVALDOSTA, GA 31601

229-232-8211

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are only offered by Investment Adviser Representatives. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit *Not insured by any federal government agency.