Despite what many people think, prenuptial agreements aren’t just for the rich and famous. In fact, many couples utilize prenuptial agreements before getting married as a way to protect assets that belong to them. In many ways, prenuptial agreements can be good for both parties involved in the agreement and don't necessarily imply the couple will eventually get a divorce.

However, recommending prenuptial agreements to your clients isn’t always easy because many people really do believe they don’t need one for various reasons or they believe going into a marriage with a prenuptial agreement signals to their partner that they aren’t fully committed. But if your believe you clients would benefit from one, here is how you can help them agree to it. (For related reading, see: Benefits of Prenuptial and Postnuptial Agreements.)

Take a Non-Threatening Approach

According to many advisors, clients are actually relieved when they bring up prenuptial agreements. Apparently many people want to know more about them and how they might be beneficial, but they're worried about upsetting the future spouse or causing unnecessary disagreements. If you bring up prenuptial agreements as casually as you bring up other aspects of your client's financial future — say as you would retirement planning — they will be more open and amenable to discussing them. (For more, see: 6 Famous Prenup Screw-Ups.)

If you are forceful, your clients will be less likely to seriously consider them as an option for their marriage. (For more, see: Create a Pain-Free Postnuptial Agreement.)

When done correctly, prenuptial agreements spell out which assets belong to which party in a marriage and exactly what to expect if things go south toward divorce. This is especially important if either party has children from a previous marriage who will be impacted in the incidence of death or divorce.

At a bare minimum, talking about prenups is important because it promotes discussing finances prior to marriage, something many couples don't do. As many people know, financial disagreements are the main causes of marital strain and divorce, so discussing major money issues and decisions ahead of time will help prevent problems down the road. (For more, see: Marriage, Divorce and the Dotted Line.)

Don’t Rush a Prenup

If you rush your clients into a prenuptial agreement or quickly create one and have the couple sign documents, the paperwork is more likely to be incomplete or inaccurate and therefore could be overturned at a later date. Instead, bring up prenuptial agreements early when working with clients who are single and may want to get married in the future. This is not something people should complete the week before the wedding. Instead, work with your clients to plan several discussions of what they want included in their agreement and make sure it's done correctly. (For more, see: Divorcing? The Right Way to Split Retirement Plans.)

Major life events like having children or a sudden increase in wealth may be reasons to review and revise the prenuptial agreement after marriage. Let your clients know they can always change or alter a prenuptial agreement if something changes or if they think of other issues they want to handle at any time. (For more, see: Get Through Divorce with Your Finances Intact.)

The Bottom Line

Prenuptial agreements are not just for the rich and famous. In fact, they are a good tool for all types of clients, even if their net worth is not significantly high. When bringing up the idea of a prenuptial agreement to your clients, it's best to mention it in a casual way and to not rush the process at all. Remind your clients that these agreements can be good for both parties in the future and that they can always review and revise it if anything changes. (For related reading, see: The Tax Benefits of Having a Spouse.)

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