Our last post was written in the post-Valentine's Day excitement, in the days when many couples in San Jose and across California said "yes" to their loved one when they got down on one knee.

It is now a week after and the wedding checklists are getting longer as more items are added to the "to-dos."A discussion with an attorney about whether a prenuptial agreement is right for you should be added to that list.

But who is a prenup for if not for one significantly wealthy partner? More and more couples are waiting to get married or are on their second or third marriage. Couples who wait have already established their own financial life whether they consider themselves wealthy or not.

Other couples may have expectations in the future such as a family inheritance. One partner may own real-estate that he or she wants to have a plan for. Drafting a prenuptial agreement not only helps plan for a divorce but shows intent in terms of estate planning.

Second marriages often involve children from a prior marriage that fathers and mothers want to make sure are protected in the event of a death or a second divorce.

Finances are more often than not a reason for divorce these days. In fact, financial infidelity is often a major trust issue in relationships. Drafting a prenup not only sets terms for monetary assets or investments, but provides for full financial disclosure before the "I do's" are said.

Source: Reuters, "When Valentines and prenups go together," Kathleen Kingsbury, Feb. 15, 2012