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Getting Married Checklist

Not sure where to start? This checklist will help in getting prepared for marriage on the right foot.

General information

  1. Has relevant personal information been gathered?
    • Names, ages, health statuses
    • Dependents
    • Children from previous marriages
  2. Has financial situation been assessed?
    • Income
    • Expenses
    • Assets
    • Liabilities

Money management

  1. Have assets been itemized separately/together?
  2. Have debts been itemized separately/together?
  3. Has an apportionment of responsibility for expenses been determined?
  4. Have separate/joint savings plans been discussed?
  5. Will separate/joint checking/savings accounts be used?
  6. Has a record-keeping system been devised?
  7. Are there any credit history concerns?


  1. Homeowner?
  2. If not, is a home purchase planned?
  3. Have home ownership options (e.g., joint, sole) been considered?

Insurance planning

  1. Is health insurance needed?
  2. Will separate health insurance plans be maintained?
  3. Will health coverage be combined?
  4. Does life insurance need to be purchased/upgraded?
  5. Does automobile insurance need to be purchased/upgraded?
  6. Does homeowners/renters insurance need to be purchased/upgraded?
  7. Does disability income insurance need to be purchased/upgraded?
  8. Does personal liability insurance need to be purchased/upgraded?
  9. Will beneficiary designations be changed?

Investment planning

  1. Have investment profiles been determined separately/together?
  2. Have investment goals separately/together been considered/prioritized?
  3. Has size/frequency of investments been determined?
  4. Are separate/joint investments contemplated?
  5. Are there current investments?
    • Stocks
    • Bonds
    • Mutual funds
    • Annuities
    • Real estate
    • Art/collectibles

Retirement planning

  1. Is a retirement plan available?
    • IRA
    • Employer-sponsored retirement plan
    • Beneficiary designation
  2. Will one or both plans be funded?

Estate planning

  1. Is there a will?
  2. Will changes be made to the will?
  3. Is there a trust?
  4. Has setting up trusts been considered?
  5. Have durable power of attorneys been considered?
  6. Have health-care directives been established?
  7. Are spousal property transfers anticipated?
  8. Is there a concern about equalizing estates?

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*Wealth management services through INVEST are made available by Beneficial Advisors, LLC, a wholly-owned non-bank subsidiary of Beneficial Bank. Financial Advisors of Beneficial Advisors, LLC are Registered Representatives of INVEST Financial Corporation (INVEST), member FINRA, SIPC, a registered investment advisor. INVEST is not affiliated with Beneficial Advisors, LLC or Beneficial Bank. INVEST, Beneficial Advisors, LLC and Beneficial Bank do not provide tax or legal advice. Please consult your tax and/or legal advisor for guidance on your particular situation. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are: Not a deposit or other obligation of any bank – Not insured by the FDIC – Not insured by any Federal Governmental Agency – Not guaranteed by Beneficial Bank or any of its affiliates – Subject to Investment Risk, including possible loss of principal.

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Broadridge Investor Communications, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to an individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by the law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable - we cannot assume the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.







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