- Engaged or Recently Married -

If you are recently married or are about to be, life is going to change in many ways. Do not let your finances become a burden; let zora financial start you on the right path. When we work with newlyweds/engaged clients, here are a few common concerns we solve:

  • What is the most efficient way to integrate our employee benefits and insurance?
  • How much do we need to save and in which accounts?
  • I don't have retirement plan at work, but my spouse does.  What are the options?
  • Creating an estate plan. (everyone needs one)
    • Which legal documents do we need? (wills, powers of attorney, advanced directives, etc.)
    • How should accounts be titled?
    • Who should be the beneficiaries on accounts?
    • What about life insurance?
    • What is probate, and can I avoid it?
    • What is intestate succession? 
  • Determining whether or not to combine finances.
    • Creating personalized budgeting strategies.
    • Should we co-mingle our assets?
    • We have two different ways of viewing money; how can we marry the two?
    • One of us doesn't seem to care about finances, and it is driving me crazy!
    • I hate budgeting; what are the other options?
    • Combining goals and risk tolerances.
  • I want someone to foster an environment of financial conversation.
  • How should debt payment and investments be balanced?
  • We think it is time to buy a new home; can we afford it?
  • We have "maxed-out" our retirement plans and want to find a way to invest... tax efficiently.
  • Should we be applying for loans jointly?
  • We want to start planning for our children's education.
  • My spouse is still in school; what is the best way to pay for education?