Planning with your partnerCreate a common vision for your shared financial future

Working together on a financial plan can create clarity, confidence, and peace of mind about your future. Let Fidelity help you define and deliver on your shared goals.


Invite your partner to join Fidelity

Build a plan. Build your future.

It starts with honest communication and collaboration and ends with a financial plan that addresses each of your concerns, goals, and dreams. Begin this process now, side by side, to be well-prepared for whatever lies ahead.

  1. Get organized today

    Take inventory of your spending, savings, investments, debts, loans, and more. The key is to understand your full financial picture.

  2. Create a shared vision for tomorrow

    Have meaningful conversations about your financial future, and create a plan based on your shared vision.

  3. Plan for the unexpected

    Update your beneficiary information. Create an estate plan. Then, ensure these documents are accessible to other family members.


Explore more ways to plan with your partner

Invest in tomorrow, together

Fidelity's investment products and services can help you set your family up for success.


Invite your partner to join Fidelity


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Should we get help with our planning?

Aligning on goals as a couple can be overwhelming. Fidelity has solutions for anyone who is seeking planning and investing guidance for their financial future— whether you’re just getting started, planning for multiple goals, or searching for a dedicated advisor.


Explore how you can work with us

Learn more about the power of preparing together

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Planning for the future with your partner

Collaborate on a shared financial plan that reflects your mutual needs, wants, and concerns.

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Learn guiding principles that can help couples agree on a shared vision.

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Money Unscripted: estate planning

This episode of Money Unscripted breaks down the four core documents needed in estate planning.

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How to pass on your money values

Think about ways to provide more than money to your children. Create a legacy that enriches their lives.

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Financial planning tips for LGBTQ+ couples

Navigate financial planning process, ensuring your legal and financial protections are in place.

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Frequently asked questions

  • How do I give my partner access to my accounts?

    There are four levels of account access that you can provide to a loved one, from inquiry access, which allows someone to view account balances, to power of attorney access, which grants another person full authority over your account. Learn more about giving a loved one access to your account

  • How do I refer my family to Fidelity?

    From the Fidelity.com referrals page, select the Refer your friends and family button. Next, copy your personal referral link and share it on your own. Your referral can click that link to learn more about the advantages of everything Fidelity has to offer. Alternatively, you can enter the email address of the person you would like to refer. After entering your referral's email address, click "Refer now" and Fidelity will then email the invitation directly to your referral.

  • What's the difference between a joint owner and a joint owner with right of survivorship?

    A joint owner is a person who shares account ownership equally, with the same access rights to withdraw, deposit, and manage an account's funds. A joint owner with right of survivorship inherits the assets of any owner who passes away.

  • How do I update my beneficiary information?

    You can add, view, and update beneficiaries for most of your Fidelity accounts on the Beneficiaries page in your ProfileLog In Required.

  • Why do I need to update my beneficiaries?

    Keeping your beneficiary information updated is so important, it supersedes instructions written into a will. Here are three reasons to maintain your beneficiary information:

    1. Reduces confusion. Beneficiary instructions clearly lay out what will happen to your investment accounts and life insurance proceeds once you're gone. Without these instructions, family members could disagree over who should receive what, especially if there's no will or your will isn't clear.

    2. It speeds up distributing assets. If you've chosen beneficiaries, the relevant assets can pass to intended heirs in an orderly manner. More importantly, the associated accounts don't go to “probate,” which could tie up your money for months or years.

    3. It could save money. If you have a will but don't name a beneficiary, the associated assets will go into "probate," with fees potentially costing up to roughly 3% to 8% of the estate's total value. If you die without a will, even if you have named beneficiaries, assets would still go into probate and be disbursed according to state laws, known as intestacy laws.