Dear Ms Wise, my husband and I have different risk appetites. He’s extremely conservative when it comes to our finances, while I’m willing to take a bit more risk to achieve a better return. We want to start investing but each time we discuss it the conversation results in a stalemate and frayed tempers. How do we find a way forward that we can both feel comfortable with?

The wisdom: McQueen Group financial advisor Kris Chapman says two individuals in a relationship having different risk appetites is fairly common.