Put it in writing — Don’t let inertia lead you and your spouse into skipping key financial- and estate-planning tasks. Even if you want all your money and personal effects to go to your spouse, a will is still helpful in clarifying your wishes should you die unexpectedly. You may also want to set up a financial power of attorney to ensure your spouse can make financial decisions on your behalf if you’re incapacitated. Meanwhile, a living will and medical directive can make it clear to your spouse, other family, and loved ones what medical interventions you want (or don’t want) if you are  seriously ill.

Share information — If the worst happens, will your spouse have the  information he/she needs to keep the household running? Make sure each of you knows how to access the bank and investment accounts — even the accounts for the household utilities. You each should also know how to locate important documents, like insurance policies, financial records,  birth certificates, and the deed to your house.

Meet with an advisor together — It’s not unusual for one spouse to take on a bigger role in the dayto-day financial planning process either out of choice or necessity. Both of you should still be present at meetings with your  financial advisor. You’re a team, and your advisor will be better able to  provide appropriate advice if he/she can hear from both of you.