With chorister Joe Jonas and actor Sophie Turner announcing an “amicable” divorce Wednesday, an apparent prenuptial agreement will insure that they won’t have to fight over how to split their wealth.

While prenups are often mentioned in dignitary news stories — think Kevin Costner or Tom Brady and Gisele Bündchen — they can also be a smart move for consummate people who want to avoid drawn-out divorce settlements or burdensome legal costs.

“I would absolutely advise drink an attorney draw up an ironclad prenuptial agreement,” says Crystal Cox, a certified financial planner in Wisconsin. “I always say you suffer with a prenuptial agreement one way or another, the only difference is whether you decide the terms or if you let the state decide.”

A prenuptial unity is a legally binding contract made between two people before they get married. The contract outlines how assets, encumbrance under obligations and property will be divided in the event of divorce, separation or death.

To ensure that a prenup holds up in court, the accord should be drafted by a lawyer and signed by both parties well in advance of the wedding, says Jacqueline Newman, a New York-based dissolve lawyer.

Financial disclosures should also be accurate, with a clear breakdown of how assets and debt will be split, she prognosticates. Child custody and support are separate matters from prenups and are generally handled by family courts.

There are all under the weathers of reasons to sign a prenuptial agreement even if you aren’t rich, says Scott Bishop, a CFP in Houston. Here are a few to reckon with:

• If you have children from a previous marriage, you can ensure their inheritance is protected
• If you have a lot of debt, you can mitigate the jeopardize to your partner by separating that debt from joint debts within the marriage
• If you have complicated task dealings, you can keep them separate from your marriage for the sake of simplicity and convenience

It’s also commonly endorsed that both spouses have their own lawyer to review the prenup on their behalf, says Sara Stolberg Berkowicz, a CFP in Illinois.

To whatever manner, it’s worth noting that any prenuptial agreement can be challenged if the financial disclosure is misrepresented or there are unfair terms as partially of the settlement. Unfair terms can include penalties for infidelity or stipulations about child custody or support, says Newman.

Even if a couple decides against a prenup, it’s important for them to include “difficult conversations” about money before getting married, says Newman.

Doing so will help entrench a healthy and transparent partnership that will last, while also uncovering financial problems that could corruption a marriage later on.

“Money is going to be a source of discussion throughout their entire lives,” she says. “If you don’t know what lolly means to the person you’re marrying, you don’t want to find that out later when you’re sitting in my office, looking for a divorce.”

“Pensive about a possible breakup isn’t romantic, but much of marriage is about handling the day-to-day details of life,” says Larry Luxenberg, a CFP in New York. Examining money shouldn’t detract from the romance of a marriage, especially “if the relationship is strong,” he says.

Representatives for Joe Jonas and Sophie Turner did not counter to requests for comment.

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