Congratulations on finally meeting that special person with whom you want to tie the knot. Before you pop the question we highly recommend to discuss finances to ensure that your marriage does not go through unnecessary bumps and hurdles in the future.

1. Windsor Street Capital - Financial planning tips for
couples
Congratulations on finally meeting that special person with whom you want to tie the
knot. Before you pop the question we highly recommend to discuss finances to ensure
that your marriage does not go through unnecessary bumps and hurdles in the future.
Communication
Full disclosure is an absolute must, no matter how uncomfortable the conversation might
be. Communication is a critical part of every relationship, so be honest with your partner
and put everything out there. To plan your future together each partner needs to
understand all assets and liabilities that will be involved in your marriage. The goal is to
fully understand your financial situation before marriage and help you build long-term
goals based on that information. Don’t leave anything out, discuss your stocks, bonds,
savings, loans, debt, credit history and investment philosophy. It’s a great idea to talk to
an experienced financial advisor to help you with the conversation and to plan your
future. Financial advisors at Windsor Street Capital have many years of experience
working with couples and helping them plan their future.
Discuss prenuptial agreement
One of the big questions that also pops up in a modern society is whether you should do a
prenuptial agreement. It might not seem as the most romantic subject to discuss with your
partner however we strongly recommend to have that discussion and to include a
financial advisor at Windsor Street Capital and your attorney. Prenuptial agreements help
couples escape surprises in a case if your relationship does not work out and leads to a
divorce. In some instances it also helps married couples to work harder on their
relationship and work things out when relationship hits a major hurdle. We strongly
recommend having a very honest and detailed discussion in regards to a prenuptial
agreement. And to have a concrete plan if things don’t work out, it might alleviate a lot of
pain in the future.
Short-term and long-term goals
The next step is to start discussing your short-term and long-term goals with your partner
and one of our financial advisors at Windsor Street Capital. Start small, what are your
goals for the next six months to one year? Do you need to pay off some credit card debt
or a car loan? Then start discussing longer-term goals. What do you want to accomplish
in five years, ten years and at your retirement? How many children do you plan to have?
What kind of schools do you want them to attend? What kind of a house do you want to
buy? Do you want to open a business? At what age do you want to retire? What do you
want to be able to do when you do retire? Based on the following questions our financial
advisors at Windsor Street Capital can help you develop a financial roadmap and help

2. you achieve your goals. And most importantly also help you plan for any possible
roadblocks as well.
Joint or separate accounts?
It’s always a good idea to discuss how you are going to manage your bank accounts,
whether you will have a joint account and separate individual accounts or just a joint
account. The world is changing on how people manage their money and more and more
couples are comfortable with a hybrid solution of having individual accounts and a joint
account. Financial advisors at Windsor Street Capital believe that the model you choose
is not as important as a financial discipline that you need to instill into your relationship
and financial future. We always strongly recommend to have a software package on your
cell phone that will help you understand your spending patterns and stay on course with
your financial goals.
Prepare for Emergencies
In life anything can happen, so planning for emergencies is extremely important for your
financial and family well-being. Even if you have a great career, earn a comfortable
living and don’t have large amounts of debt outstanding you can be unprepared by an
emergency. Our financial advisors at Windsor Street Capital will help you develop a
stress test of your financial emergency preparedness in case of illness, losing a job or an
accident. Any of these events can have a very deep and long lasting negative effect on
your financial future and family stability. A good plan that encompasses savings and
insurance products will protect you from panicking, making bad financial decisions and
inability to reach your long-term financial goals.
About Windsor Street Capital
Founded in 1993 Windsor Street Capital is a full-service broker-dealer committed to
providing clients with outstanding personal attention in a wide range of financial services
for over 23 years. This approach distinguishes us in the industry, and accounts for our
outstanding record of long-term stability and growth.
We recognize that each individual client has a separate and unique set of investment
goals. It’s critical that our goals and objectives are totally aligned with those of the
clients. We invest a substantial amount of time understanding the objectives of our clients
and assessing our ability to meet those objectives prior to our engagement. We are
dedicated to providing value for our clients by devising the most appropriate strategies
based on careful analysis of their risk tolerance and investment objectives.
Many of our clients told us that they feel that our financial advisors at Windsor Street
Capital have become part of their family and have added a very meaningful advice. We
always want to help our clients reach their financial goals, improve their relationship and
add a sense of security in their lives. Our job is to always be there for your family,

3. especially during the times when you feel overwhelmed and might make a decision based
on overthinking or overreaction.
For more information please contact a financial advisor at Windsor Street Capital.
Call us at 1-800-606-4400
www.windsorstreetcapital.com