Do I need a prenup?
Estate planning
Prenuptial agreements can be useful when meaningful pre-marital assets, business interests, equity comp, family wealth, or significant income disparities exist, though the conversation is as much relational as financial.
When prenups make sense
Pre-existing business equity, family wealth, large pre-marital savings, prior marriages with children, or expected inheritances are common reasons.
What they actually cover
Prenups generally address what's separate vs marital, how appreciation is handled, and what happens with future business growth or equity comp. They don't override child custody or support.
Process matters
Both parties should have independent counsel. The conversation works best months before a wedding, not weeks before.
What people often get wrong
- Treating it as only the higher-earning spouse's protection
- Drafting without independent counsel
- Waiting until the last weeks before the wedding
What to think about next
- Have the conversation early in the engagement.
- Engage independent attorneys for each party.
- Coordinate with financial planning so the agreement reflects actual goals.
When to consider working with a CFP®
Working with a CFP® can help when these decisions feel intertwined, taxes, investments, cash flow, and life goals tend to move together, and a planning relationship can offer structure, prioritization, and accountability over time.
Frequently Asked Questions
Can a prenup be amended later?
Postnuptial agreements exist. State law varies; consult an attorney.
Talk to a CFP® who works with high earners.
Connect with a CFP® to help you navigate this decision and build a comprehensive financial strategy.
Take the Clarity Assessment · Contact us · See the ORO Decision Engine