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Guides for the money conversations nobody teaches you to have.
For Couples
Guides for navigating money as a team.
Plan Your Money, Together
See your partner's relationship with money for the first time. Build a shared financial plan, align on values, and make decisions together.
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How to Talk to Your Partner About Money (Without It Turning Into a Fight)
A practical guide to having the money conversation every couple needs — based on research into why financial discussions go wrong.
7 min read
The 50/50 Myth: Why Equal Splits Aren't Always Fair
Splitting everything 50/50 sounds fair — but when incomes differ, it can breed resentment. Here are better approaches.
8 min read
Moving In Together? The Financial Conversation You're Skipping
Before you sign the lease, have this conversation. A pre-move-in money checklist for couples at every stage.
8 min read
What Newlyweds Get Wrong About Joint Accounts
Fully joint? Fully separate? The three-account model? Here's how to choose the system that fits your relationship.
8 min read
The Monthly Money Date: A Check-In Template for Couples
A simple 30-minute monthly check-in that keeps couples aligned on money — without it feeling like an audit.
8 min read
Estate Planning for Couples: Which Type of Will Do You Need?
Joint will, mirror wills, or separate wills? Here's how to decide -- and what most couples get wrong.
8 min readFor Parents
Intentional giving from birth to adulthood.
The 18-Year Runway
From the day they're born, you have roughly 18 years to prepare your children for the real world. Heirloom helps you use every year intentionally.
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The 18-Year Runway: How to Give Your Children Every Advantage Without Spoiling Them
From the day they're born, you have roughly 18 years to prepare your children for the real world. Here's how to use every year intentionally.
8 min read
529 Plans Explained: What Every Parent Should Know by Kindergarten
529 plans are one of the best education savings tools available — if you understand the rules. Here's what parents need to know.
8 min read
Your Child Turned 18: The Legal Documents You Need This Week
At 18, parents lose all legal authority over medical and financial decisions. Three documents fix this — and most families don't know.
9 min read
Allowance, Chores, and the First Money Lessons That Stick
Research says money habits form by age 7. Here's how to make your child's first financial lessons count.
8 min read
The Gift vs. Loan Conversation: Setting Boundaries With Adult Kids
Is it a gift or a loan? Failing to define the terms upfront is the fastest way to damage a family relationship.
8 min read
Why 'Random Help' Hurts Kids: The Neuroscience of Unstructured Financial Support
Uncapped credit cards, unmonitored Amazon accounts, and surprise cash gifts feel generous — but neuroscience and longitudinal data say they actively stunt the financial skills kids need as adults.
9 min read
What Your Kid Should Actually Know About Money at Every Age
The Consumer Financial Protection Bureau maps financial capability to three sequential stages — executive function (3–5), habits (6–12), and knowledge (13–21). Skip one and the next one fails.
10 min readComplex Families
Blended families, remarriage, and complicated dynamics.
The Fairness Engine
Blended families. Ex-spouses. Step-children. The modern family isn't simple, and your financial plan shouldn't pretend it is.
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The Fairness Engine: Why Equal Inheritance Isn't Always Fair
Equal inheritance sounds fair — until you look at the numbers. Learn why lifetime giving matters more than final distribution.
8 min read
Divorced and Remarried? Your Beneficiary Designations Are Probably Wrong
Retirement accounts and life insurance override your will. If you didn't update beneficiaries after divorce, your ex may still inherit everything.
7 min read
When Siblings Don't Speak: Estate Planning for Estranged Families
When your beneficiaries don't get along, your estate plan needs extra safeguards. Here's how to prevent a family war.
9 min read
Blended Family Estate Planning: The Step-Child Blind Spot
Step-children inherit nothing by default in most states. Here's how to actually protect them in your estate plan.
8 min readEstate Planning
Wills, trusts, and the documents that matter.
Outsmart State Law
If you don't have a will, your state already has one for you. It was written by legislators who've never met your family.
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Outsmart State Law: What Happens If You Die Without a Will
No will? Your state has already written one for you — and you probably won't like it. Here's exactly what happens.
8 min read
The Beneficiary Audit: The 30-Minute Check That Could Save Your Family Thousands
Beneficiary designations override your will. A 30-minute audit ensures the right people get the right accounts.
8 min read
The 4 Documents Every Adult Needs
Marriage doesn't give your spouse the right to make medical or financial decisions for you. Here are the documents that do -- and why each person needs their own.
5 min read
5 Estate Planning Myths That Cost Families Thousands
These five misconceptions about wills, probate, and inheritance trip up even smart families. Here's what actually happens -- and what it costs.
8 min read
Healthcare Proxy, POA, Living Will: The Documents Nobody Thinks About Until It's Too Late
A will only works after you die. These three documents protect you while you're still alive — and most people don't have them.
9 min read
What Is Probate? A Plain-English Guide
Probate is the court process that transfers your assets after you die. Here's what it actually involves, what it costs, and when you can skip it.
10 min read
Will vs. Trust: Which One Do You Actually Need?
Everyone says you need a trust — but do you? A plain-language guide to when a will is enough and when it's not.
9 min readReady to get on the same page?
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