Look at your needs and desires and set up your accounts to meet those needs. We married in our 40's and I have a son by a prior marriage. I have an interest in keeping my pre and post marrage assets clearly separate. So we have separate pre-marital IRA's, separate post-marital IRA's, separate pre-marital brokerage accounts, joint post-marital brokerage accounts, joint rental property purchased with identified separate and common funds all wrapped up in a living trust which protects both my son's and wife's competing needs.Complex, yes, expensive, not really, required, for me, yes.
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