Anonymous
11/09/2025 09:25
Subject: Unmarried couple looking for financial planner
Anonymous wrote:Together for 5 years. No plans to get married soon since SO has a high NW which would cause us to be full pay at colleges whereas my DCs will receive significant financial aid if I remain single.
My SO has a trust fund and no kids. I have kids (teens) and no trust fund and assuming little to no inheritance. We both have good paying jobs that may or may not last until retirement. We need someone to help us plan and make decisions whether we marry or not. My kids’ dad will also help them, but of course no guarantees with everything happening now.
How should we find this type of financial planner? Not a financial advisor - SO already has one for their money and my NW is mostly in my house and retirement fund.
You should each get your own financial planner.
Anonymous
11/09/2025 08:59
Subject: Unmarried couple looking for financial planner
At least be aware of lookback periods for financial aide. This means you can get married in the last year and a half of college of the youngest without it affecting financial aide.
Anonymous
11/08/2025 22:20
Subject: Re:Unmarried couple looking for financial planner
You could see a lawyer about estate planning/healthcare proxies/etc.
Anonymous
11/08/2025 08:47
Subject: Unmarried couple looking for financial planner
You should not co-mingle your finances in any way if you are not married because if you split up, your SO can leave and take all their assets with them
with zero legal recourse.
Also let's say you co-own a house, well if the SO dies you could be stuck sharing the house with their heirs (depending on the type of joint ownership you have). But the point is its risky and unwise to plan your finances together without marital legal rights in place.
Someone mentioned common law, but that must be agreed upon by both parties, common law does not happen accidentally.
with zero legal recourse.
Also let's say you co-own a house, well if the SO dies you could be stuck sharing the house with their heirs (depending on the type of joint ownership you have). But the point is its risky and unwise to plan your finances together without marital legal rights in place.
Someone mentioned common law, but that must be agreed upon by both parties, common law does not happen accidentally.