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Beyond the Flowers: Talking About Prenuptial Agreements

09 February 2026

Valentine’s Day is meant to be all about romance. If the shops are anything to go by, it’s a time for flowers, cards, thoughtful gifts and evenings spent being wined and dined.

Amid all of those romantic gestures, legal considerations are probably the last thing on your mind, so we’ll raise them gently for you.

Talking about finances might not feel particularly romantic but having open and honest conversations early on can be one of the most practical and meaningful acts of care in a relationship. That’s where prenuptial and cohabitation agreements come in.

What makes a prenuptial agreement effective?

A prenuptial agreement (prenup) is a legal document entered into before marriage that sets out how a couple’s assets and finances would be dealt with if the relationship were to end.

In England and Wales, prenups are not automatically legally binding, but they can carry significant weight if they are properly prepared. To be effective, the agreement should be entered into freely and with a full understanding of its implications. This means:

• Both parties receive independent legal advice
• There is full and frank financial disclosure
• The agreement is signed well in advance of the wedding (ideally at least 28 days beforehand)
• The terms are fair and reasonable, particularly where children are involved

Who should consider a prenup or cohabitation agreement?

These agreements are not just for high-net-worth couples. They can be especially valuable where:

• One or both parties have pre-acquired assets
• There is a family business or inherited wealth
• There is a significant difference in income or earning potential
• Either person has children from a previous relationship
• One partner is giving up a career or relocating
• You are living together but not married

Planning for the future doesn’t mean planning to separate

One of the most common misconceptions is that entering into an agreement suggests a lack of faith in the relationship. In reality, it’s about transparency, preparation and protecting each other. Much like insurance, it’s something you hope never to rely on, but if circumstances change, having clarity in place can reduce conflict, protect children and avoid lengthy, expensive disputes.

A modern expression of commitment

Addressing potential future issues calmly and collaboratively allows couples to move forward with greater certainty and confidence. In that sense, a prenup or cohabitation agreement can be viewed as a modern expression of commitment one that values fairness, trust and open communication.

If you are engaged, planning to marry, or considering your future together, Valentine’s can be a surprisingly good time to start the conversation. With professional guidance, supporting clients across Bournemouth, Poole and Christchurch, these agreements are not about undermining romance, they are about laying strong foundations for the future.

If you would like advice on prenuptial or cohabitation agreements, our family law team is here to help. We offer clear, practical guidance and can support you at every stage.

Please contact our family law team to arrange a confidential consultation. Contact us on 01202 294411 or go online: Contact Us AB Solicitors For Your Legal Needs

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