Lia Sweets and Bailey Temps have been in a committed relationship for about 5 years now and they intend to get married by year end. Lia has experienced some hardships in the past as well as heart breaks. She has decided to insulate herself as much as possible from any financial consequences that may take place in her life.

Take for instance the home the couple "rents" is actually fully owned by Lia who uses a real estate management company to collect the rent and funnel the monies right back to her account. Bailey is unaware of this and knows her partner has trust issues but is willing to take things as slow as possible to build trust. But she is a firm believer in having all the cards on the table before marriage.

Finances at a glance

Lia's salary - $95,000/year
Bailey's salary -$60,000/year. Performance bonus: $0 - $6,000
Lia's home - $250,000 left on mortgage
Lia student's loan -$150,000 (Does not want to pay it off)
Bailey student loan - $5,000 (to be paid off in 2 months)
Bailey's car - fully paid off
Lia - leases cars
Health insurance- coverage from work

Goals

Get married in a year.
Plan for marriage expenses.
Prenuptial agreement discussion and how to bring it up with Bailey.
Bailey suspects financial infidelity of her partner and wants discussion about their current financial situation before they get married.
Bailey would like a home that she and her partner own. She does not know why her partner insists on renting their current space.
Concerned about Lia's debt and her nonchalant attitude of not discharging it.
Is a joint account appropriate or separate finances.
Any other advice to consider as they get closer to wedding bells.
Map out an Agenda that you would use for your client on your first session with them