You need to get a prenup because it can be one of the best decisions you and your partner make for your future. Just like decisions about where you will live and how to spend your time, a prenup creates the opportunity for you both to do some planning and allows you to make important decisions for your future with more clarity and understanding.

If you own valuable assets, have debts, run a business, or have kids from a past relationship, getting a prenup before marriage is a smart decision. This agreement ensures transparency in your relationship and helps strengthen your partnership by laying the groundwork for a solid financial foundation.

Ready to take the next step in securing your future? Let Neptune guide you through the prenup process and ensure everything is in place for peace of mind.

What Is a Prenup?

A prenuptial agreement, or prenup, is an agreement two people enter into prior to getting married. It is a blueprint for your financial future with your new partner. You can include a wide range of details in your prenup, but it is critical to see it as a way to share and agree on your financial goals and values now before moving forward together.

When to Get a Prenup?

You want to get your prenup established well before your wedding date—usually several months in advance is ideal. This gives you both time to discuss everything without any added stress or pressure due to time constraints.

A prenup agreement lets two people in a committed partnership have an open and honest conversation about their finances, factors that they believe in, goals, and values upfront. It enables you to make decisions based on these areas that you both find important. In that way, then, a prenup is something anyone could, and most people should have.

There are other reasons to get a prenup as well.

Why You Should Consider a Prenup as a Couple

You Want to Talk About Financial Goals and Needs

Many people come from very different backgrounds, and their beliefs and expectations about managing finances are very different. There may not be a right or wrong way to do things, but having these conversations in advance can offer some peace of mind. By talking about your financial goals and expectations now, you can feel comfortable moving forward.

You Have Not Talked About Your Values and Goals Thoroughly Yet

These conversations are difficult for couples who are working to figure each other out and determine whether they can live together or create a life together. Yet, they are very important for determining compatibility. Even though you may have had many other conversations about your relationship, if you have not talked about financial planning, this is a good way to encourage open communication.

You Want Financial Planning Aligned With Your Long-Term Goals

If you plan to have children together, you may have already talked about this topic. But what about building a financially strong foundation for your family? For example, you and your partner may need to think about whether you will establish a college fund early on for your child or what types of savings plans you want to put in place to ensure a strong financial future. Prenups give you the opportunity to talk about it all.

You Are Bringing Past Factors Into a New Relationship

Another way a prenup may help you occurs when you are bringing a wide range of factors together from before your relationship. You and your partner may have children from a previous relationship. You may have an inheritance from a long family line that is important to you to maintain. Some people have businesses with a wide range of liabilities. 

A prenup allows you to have a conversation about your past so that you can plan for your future in a more authentic and meaningful way. This is an opportunity to ensure that you are both on the same page regarding how to move forward in your lives.

You Want to be on the Same Page

A prenup is an opportunity for you to talk about anything important to you or to your spouse safely. Many people have specific needs and goals. They want to achieve various objectives in the years to come. They may be thinking about the long-term, or they may just have a difficult past that makes them want to put down some guidelines for the future. 

None of this is bad. When you open the conversation with your partner, you can truly find a way to build success together early on.

Work Out the Disagreements Now

As noted, not everyone is on the same page heading into a relationship. Couples who do not speak about financial concerns and needs now could face some challenges. However, a prenup is a way to work through those challenges. It facilitates open communication and allows you both to come to a clear agreement on what your needs and goals are. It is the best way to avoid disagreements about financial well-being and goals well into your future.  As you think about when to get a prenup, the question may be, why not?

How to Get Started When You Know a Prenup Is Right for You Both

There is no reason not to get a prenup for most people. It is a tool that can help you create the blueprint for your future. It also does not have to be challenging to obtain or time-consuming. That is the case when you use Neptune to help you along the way.

Neptune is a prenup concierge service. We help you prepare for your prenup and provide the space to have an open and honest conversation about your partnership's future. 

All you have to do is complete our easy three-step process:

• Chat with Neptune. Tell us your needs and goals. This helps us formulate an initial plan before talking with an attorney, which often means lower attorney fees.
• Match with a lawyer. We match you with a vetted attorney who can provide a straightforward price for their services. All consultations with the attorney are free of charge.
• Execute the prenup. Once you have a conversation and finalize some decisions, you both will sign the prenup and have it notarized.

You can learn more about how Neptune works and when to get a prenup at any stage of your wedding planning journey. Contact us today to get started. Don’t get overwhelmed by the process. We have the resources you need to build your prenup fairly for a solid foundation on which to build your relationship.