Yes to I-Do
YOUR FINANCIAL TIMELINE COURTNEY PETERSON, NICK WILLIAMSON, ERICH NIEDERLEHNER, & BEN HEIN
6 MONTHS PRIOR:
4 MONTHS PRIOR:
HAVE THE MONEY TALK Time to lay it all out—income, debt, spending habits, and your big dreams! Create a joint budget that works for both of you. Check credit reports now—fix any surprises before they become problems. Prenup? If you’ve got kids, assets, or a business, this is your safety net.
MEET WITH A FINANCIAL PLANNER Even a one-time session with an expert can help map out your savings, retirement goals, insurance needs, and investments! Discuss a possible joint bank account, and secure your Term Life Insurance to protect each other financially. Rates are better while you’re young and healthy!
SET YOUR WEDDING BUDGET Ensure your costs align with savings for your MONTHS PRIOR: fairy-tale wedding! Pro-tip: Set a max budget and stick to it—no last-minute splurges! UPDATE BENEFICIARIES
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SHOP FOR HEALTH INSURANCE Will one of you join the other’s employer-sponsored plan? If not, explore individual health plans early. Marriage is a qualifying event to elect health insurance. It’s important to note that most health plans require enrollment within 30-60 days of marriage.
30 DAYS AFTER YOUR WEDDING: UPDATE LEGAL DOCUMENTS New name? New game! If you’re changing your name or address, attack that paperwork fast. DMV, Social Security, passports—check them all off! WILLS & POWERS OF ATTORNEY No will? Protect each other legally and financially with updated estate documents— especially with kids or property. Estate planning isn’t morbid. It’s power!
GET EXPERT GUIDANCE Bank accounts, life insurance, utilities—make Your marriage is a partnership—financially, sure everything reflects your new status. emotionally, and strategically. Don’t navigate it alone. These local experts TAX FILING STRATEGY specialize in helping newlyweds make Married filing jointly? Separately? A quick confident, informed decisions about chat with a tax pro could save you thousands. Don’t leave money on the table! insurance, taxes, and planning their financial future together. Start strong, stay smart, and build a future that’s unshakable!
cpetersonfinancial.com
850.741.1015
williamsoncpafirm.com
448.226.9930
pensacolaestateplanning.com
850.607.2222
heinsightwealth.com
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