100 Questions to Understand Money Mindsets, Values & True Wealth
For Financial Advisors • Wealth Managers • Financial Planners • Retirement Planners • Financial Coaches
Everything you need to facilitate values-based financial planning conversations
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100 questions organized into comprehensive frameworks for financial wellbeing
Explore beliefs about money, early money messages, spending patterns, and the emotional dimensions of financial decision-making.
Clarify what truly matters, align spending with values, and make trade-off decisions that reflect authentic priorities.
Define meaningful financial goals, create compelling visions for the future, and develop strategies for achieving dreams.
Examine the relationship between time and money, work-life balance, and using wealth to create freedom and meaning.
Understand risk tolerance, explore what security means emotionally, and develop strategies for managing financial anxiety.
Consider the mark clients want to leave, values to pass on, and how wealth can create positive impact beyond themselves.
Navigate difficult financial choices, understand decision-making patterns, and develop frameworks for sound judgment.
Support clients through major life changes, career transitions, relationship shifts, and other moments requiring financial adaptation.
Questions that go beyond the numbers to understand what truly matters
"What does financial security mean to you emotionally, not just numerically?"
"If money were no object, how would your life look different?"
"What money messages or stories did you learn growing up?"
"How do your spending choices reflect your deepest values?"
"What legacy do you want to leave with your wealth?"
"How do you balance enjoying money today with saving for tomorrow?"
"What trade-offs are you willing to make to achieve your financial goals?"
"How does comparison to others affect your financial wellbeing?"
Transform client relationships through values-based conversations
Begin relationships by understanding clients' complete financial picture—not just assets and goals, but beliefs, values, and what money means to them. These questions help you move beyond transactional planning to build lasting, trust-based relationships.
Example: "Before we dive into numbers, help me understand—what does financial security mean to you emotionally, not just numerically?"
Regular reviews become opportunities for meaningful check-ins about life changes, goal evolution, and values alignment. These questions prevent meetings from becoming rote portfolio updates and instead foster ongoing dialogue about what matters most.
Example: "As we look at this past year, how has your thinking about money and priorities evolved?"
Help clients envision retirement beyond dollar amounts—exploring purpose, meaning, time wealth, and what a fulfilling next chapter looks like. Questions address psychological readiness alongside financial preparedness.
Example: "Beyond financial security, what would make retirement deeply satisfying for you?"
Facilitate productive conversations between partners about money beliefs, spending priorities, risk tolerance, and shared vision. These questions surface important differences and help couples align around values.
Example: "How do each of you define 'enough' when it comes to savings and security?"
Every question is grounded in behavioral finance and wellbeing research
Understanding cognitive biases, emotional decision-making, and psychological factors that influence financial choices.
Aligning financial strategies with clients' deepest values, priorities, and life purpose for more meaningful outcomes.
Exploring money scripts, beliefs, and emotional patterns that shape financial behavior and wellbeing.
Applying wellbeing research to financial planning, focusing on what enables people to thrive financially and emotionally.
Going beyond portfolio management to address the human dimensions of money and wealth.
Integrating emotional and relational aspects of money into financial planning conversations.
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