The Most Important Money Conversations Aren't About Money — And Most Families Never Have Them

Most high-net-worth families have done the financial planning. The wills are written, the accounts are structured, and the tax strategy is in place.

What they haven’t done is sit down together and actually talk about the values, the fears, the hopes, what money means to them, and what they want it to stand for when they’re gone.

This free guide gives you the 25 questions that open that conversation.

Sound Familiar?

This guide is for you if…

You have a will, but your family has never actually sat down and talked about what’s in it (or why)
You want your wealth to reflect your values, not just minimize your tax bill
You’re the one in your family who carries the financial responsibility, and you’re not sure who steps into that role next
You’ve been meaning to start this conversation for years, and just haven’t found the right way
You’ve watched other families splinter over money after a parent passes, and you’re determined that won’t be yours
You want to be remembered for more than what you left behind in your estate

By working through these 25 questions, you and your family will:

Uncover the money beliefs and habits quietly shaping your financial decisions today
Identify who in your family is truly prepared to carry your financial legacy forward, and what still needs to be put in place
Align your estate plan with your real values, not just tax efficiency, so what you leave actually reflects who you are
Explore how strategic generosity can bring your family closer together rather than drive them apart
Build a legacy story that goes far beyond what’s written in your will — one your family will carry for generations

About Adam Malcolm

Where Financial Strategy Meets Purposeful Giving

Adam Malcolm is a former opera singer turned financial advisor who believes that wealth should be used with intention—and generosity can be strategic. He works with purpose-driven individuals, families, and business owners who want to align their financial lives with the impact they hope to make.

After transitioning from the arts world, Adam earned advanced certifications in financial planning and philanthropic strategy. Today, he brings creativity, compassion, and deep technical knowledge to help clients grow their wealth while building legacies that reflect their values.

Whether it's structuring complex gifts, planning for generational giving, or simply helping someone figure out their next right step, Adam is committed to making financial planning human, values-based, and generous at its core.

When he’s not working with clients, you can find Adam singing opera, performing in community theatre, or leading financial literacy workshops in his local community.