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Text Content

FINANCIAL ADVICE FOR SECOND MARRIAGES

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© 2022 Edelman Financial Engines, LLC. Edelman Financial Engines® is a
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provided by Financial Engines Advisors L.L.C., a federally registered investment
advisor. Results are not guaranteed. See
https://edelmanfinancialengines.com/patent-information for patent information.

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This material was prepared for informational and/or educational purposes only.
Financial Engines Advisors L.L.C. does not offer tax or legal advice. Interested
parties are strongly encouraged to seek advice from qualified tax and/or legal
experts regarding the best options for your particular circumstances. AM2034481.

Decide upfront what’s “mine, yours and ours” for both assets and liabilities.
 
Make sure your beneficiaries are updated correctly.
 
Talk to a financial advisor who can help facilitate your conversations.


Key points



Remarrying means a second chance at a life filled with love and new adventures.
It can also mean more complicated financial situations for both spouses – and a
thoughtful approach to how you plan your financial life together. We are here to
provide guidance and some financial advice for second marriages.

 
Talking about money may not seem very romantic amid all the wedding planning,
but it can help create a solid foundation for a stronger partnership moving
forward. The topics of money and personal finances are often cited as one of the
biggest stressors in a relationship, as people who have been married before may
know all too well. Add to that the increased likelihood that in a remarriage
situation, the spouses may have accumulated more wealth; own several homes,
investment accounts or workplace retirement plans; owe alimony or child support
from previous relationships; and likely have a host of other complex financial
situations. It’s clear that a frank and honest discussion about your finances
and building wealth together is absolutely critical.

 
In a second marriage, financial planning should be just as important as wedding
planning – and it certainly has longer-lasting implications. Here are some
important “to-do” items to add to your “I do” list:



Have an honest conversation before the big day
Ask each other these questions:

• What assets are you bringing to the partnership – such as homes, investments
and retirement accounts?
• What are your financial obligations to family members (i.e., children,
parents, etc.)?
• Are you paying child support?
• Are you paying college tuition? Or contributing to a 529 account?
• Is there a tricky custody situation that could involve extensive legal or
travel expenses?
• How are your credit scores?
• Do you have any outstanding debts or other liabilities?



Once the financial cards are on the table, the next step is to make some
important decisions together on what assets and liabilities you will share, and
which will continue to be held by one partner only. This can help set up your
finances for success and reduce friction or confusion down the road. While the
details of each conversation will be unique to each couple, there are some
themes that come up frequently in financial advice for second marriages.

 
Let’s look at some examples:
 
• If one of you pays alimony or child support, will the former spouse claim for
higher payments based on your combined, higher income?
• If a significantly older spouse has adult children, is there a future chance
that the new spouse and the grown children will contest who stands to inherit
any of your assets?
• Do either of you financially support the care and housing of aging parents?
Will you share that responsibility?
• Similarly, who pays for the education (and other expenses) of children of
either spouse?
• If one partner carries a significant debt burden, will the other take that on?
• Which expenses will be shared in your new life together? Will you maintain
separate accounts?


M - F, 8:30AM - 8:30PM ET
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Like any issue in a marriage, honest communication is critical.

These topics may not be something any of us want to think about before such a
happy occasion, but a few uncomfortable, honest conversations now could prevent
some much more unpleasant situations in the future.

Make a detailed plan

After you have agreed on your approach, it’s time to formalize the details. This
could involve setting up a joint account for shared household expenses or a
joint tenancy investment account, if that is what you have agreed on. Remember
that the more detailed and transparent you are upfront, the smoother your
transition to your new financial life will be.


Estate planning is especially important in a remarriage situation – even more so
if there are children from a previous marriage in the picture. You may want to
revise your will to include your new spouse or stepchildren, and any shared
assets. Update titles and deeds as needed, as well as the Social Security
Administration, to minimize any potential confusion in the future as to who is
entitled to your assets. And don’t forget to update your beneficiaries on your
life insurance or investment accounts – revising your will isn’t enough. If you
named someone else as beneficiary back when you first set up your accounts, this
is still who the money will go to – unless you update your information.



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Professional Management Fees

Portion of Account Annual Rate Monthly Amount Up to $100,000 0.40% $3.33 per
$10,000 Between $100,000 & $250,000 0.30% $2.50 per $10,000 Between $250,000 &
$500,000 0.20% $1.67 per $10,000 Over $500,000 0.10% $0.83 per $10,000

Professional Management fees are charged at the frequency and in the manner as
detailed in the Terms & ConditionsSupplement; monthly fee examples for
illustrative purposes only.
*The industry average is based on reporting in PriceMetrix’s, “The State of
North American Retail Wealth Management, 10th Annual Report” which found that
based on PriceMetrix’s proprietary database (as of the end of 2020 was comprised
of detailed client-holdings and transaction information from roughly 70,000
financial advisors), the average fee in 2020 for accounts with assets between
$1M and $1.5M was 1.05%. For the same asset range, the 2019 average fee was
1.05% and the 2018 average fee was 1.06%. Industry average fees are subject to
change. Investment Advisor services vary, and some advisors in the studies may
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