Ten financial steps to take before and after your wedding day

Long version

Getting married is a major decision that comes with a financial to-do list that's arguably more important than choosing a venue or a cake. Talking openly about money can help set you and your partner up for a stronger future.

What financial conversations should I have with my fiancé?

Head into your marriage with honest conversations about money, including these four topics:

  1. Discuss how your families handled finances when you were young, whether you're a spender or saver and what debt you're willing to take on.
  2. Share how much you each earn, spend and save. Discuss assets and debts, including mortgages, student or auto loans and credit card balances; your partner's debt can become joint debt after marriage.
  3. Align on a budget as a couple that reflects the life you want to build – where you'll live; what you'll spend on housing, travel and hobbies; and how often you'll review your finances together.
  4. Talk through your goals. Make separate lists of short-, medium- and long-term financial dreams and compare them. You'll likely find some common ground, and where you don't, look for ways to compromise. A financial advisor can help.

Should I ask for a prenup?

Couples with significantly different assets or debts, those expecting large inheritances or those blending families are more likely to want to consider a prenuptial agreement. A prenup outlines how assets, debts, future income, inheritance and even spousal support will be handled during the marriage and if it ends, but it cannot address child custody.

Should my new spouse and I blend our finances?

Regarding couples blending finances, there's no one right answer. Some couples combine everything, others keep accounts separate and many land somewhere in between. Agree on who pays which bills, how major decisions get made and what spending threshold triggers a check-in.

What financial tasks should we complete after getting married?

Once you're married, these six tasks deserve attention.

  1. Take advantage of the special enrollment period, which typically lasts 30 days after getting married, to update employer benefits such as health insurance. Revisit retirement plan contributions if your combined income has grown.
  2. Review insurance coverage. Combining homeowners or renters, auto and umbrella policies can often reduce costs. Make sure you have enough life insurance.
  3. Update beneficiaries on insurance policies, retirement plans, investment accounts, bank accounts and real estate.
  4. If you change your name, order multiple copies of your marriage certificate. You'll need them to update your Social Security card, financial accounts, and employer and medical records.
  5. Update your W-4 withholding to reflect your new marital status and ask a tax professional whether filing jointly or separately makes more sense.
  6. Work with an attorney to create or update your will, medical directive, and financial and health care powers of attorney. Your estate plan should reflect your new life together.

Marriage is a fresh start.

With honest conversations, careful planning and the right professional support, you can build a financial foundation as strong as your relationship.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Edward Jones, Member SIPC

Number of words: 501

Short version (radio/print/online)

PSA: Financial steps to take before and after your wedding day

TBA: June 01, 2026

Getting married is a huge decision. And it comes with a financial to-do list that's arguably more important than choosing a venue or a cake.

Here are three financial steps to take before your wedding: 

  • First, share your income, spending habits, savings and any debts, like student loans or credit cards. Remember, your partner's debt can become yours after marriage.
  • Next, decide if you'll combine all your accounts, keep everything separate or land somewhere in between.
  • Finally, discuss your financial goals. Make lists of your short, medium and long-term dreams and find common ground.

After you're married, here are three more actions:

  • One: Update your employer benefits, like health insurance, usually required within 30 days of getting married.
  • Two: Review and possibly change the beneficiaries on checking, savings and investment accounts as well as your retirement plans and insurance policies.
  • And three: Update your tax withholding to reflect your new status.

Honest conversations and careful planning can help you build a financial foundation as strong as your relationship.

This content was provided by Edward Jones for use by (FA’s NAME), your Edward Jones financial advisor at (Branch address or phone#). Member SIPC

Number of words: 168 (excluding FA’s name, address/phone number)