Financial Asset Disclosure Worksheet (Prenuptial/Postnuptial)

Financial Asset Disclosure Worksheet (Prenuptial/Postnuptial): a practical guide

A Financial Asset Disclosure Worksheet is a record of each party’s assets, debts, and related details when they are preparing a prenuptial or postnuptial agreement. It helps both parties review what has been disclosed and identify questions to resolve.

What it's for

People use the worksheet to organize financial information before discussing how property and debts may be treated in a planned marriage or during an existing marriage. It can make conversations more specific by recording what each person owns or owes, how an item is held, and the value or valuation date each person is using.

The worksheet records information; by itself, it does not set out all the terms of a prenuptial or postnuptial agreement. If the parties also need to agree on ownership, support, or what happens to property later, they may need a separate agreement with clearly written terms. Rules for disclosure and signing differ between countries and regions, so check local rules or ask a qualified lawyer, especially when a lot is at stake.

List income, assets, and debts in the form's disclosure fields. Use “Additional Terms & Provisions” for itemized details and explanations, or attach a clearly identified schedule to the downloaded document.

Who uses it

• People preparing a prenuptial agreement who want to exchange financial information before marriage.
• Married people considering a postnuptial agreement and seeking a shared record of their current finances.
• People with property, savings, investments, or business interests they want to identify clearly.
• People with debts or financial obligations they want to disclose alongside their assets.
• People who want to discuss how property acquired before or during the relationship should be described.

Terms to decide on

Assets to disclose

List each asset clearly, such as real property, accounts, investments, vehicles, valuable personal items, or a business interest. Use enough detail to distinguish one item from another, while avoiding unnecessary sensitive account credentials.

Ownership and interest

For each item, state who owns it and whether ownership is shared or held with someone outside the relationship. If an asset is jointly owned, describe each party’s stated share and identify any uncertainty.

Value and valuation date

Record the value each party is using and the date it applies to. If the figure is an estimate, depends on a statement or appraisal, or is disputed, say so instead of presenting it as certain.

Debts and obligations

List loans, credit balances, guarantees, and other significant obligations, and identify who is responsible for each one. Include the amount and date of the information where known, and mark estimates or disputed amounts.

Source and timing

Note when an asset was acquired and, where relevant, whether it came from savings, a gift, an inheritance, work, or another source. State the information plainly and distinguish what is known from what is uncertain.

Supporting records

Identify documents that help explain a value or ownership claim, such as a recent account statement, title record, or valuation. Agree which records will be shared and attach or clearly reference them in a separate schedule.

Corrections and later changes

Decide how to record a correction or a material change in the financial picture after the worksheet is prepared. Date each update and make clear which version each party reviewed.

Common mistakes

• Listing broad categories such as “investments” without identifying the accounts or interests covered. A reader may not be able to tell what was actually disclosed.
• Leaving out debts, guarantees, or obligations because the document is called an asset worksheet. Record both sides of the financial picture.
• Giving a value without its date or basis. Values can change, and an undated figure can be hard to interpret later.
• Describing shared property as if one person owns all of it. State the ownership clearly and flag any disagreement.
• Treating an estimate as a confirmed amount. Label estimates, missing information, and disputed ownership or values.
• Assuming the worksheet itself explains what the parties have agreed will happen to each asset. State any intended treatment separately and clearly.

Before you sign

• Review every item with the other party and correct missing or unclear information.
• Check that assets and debts are described in enough detail to identify them.
• Confirm that values have dates and indicate whether they are estimates.
• Compare the worksheet with available statements and ownership records.
• Make sure any separate schedules or records are clearly identified and included with the version being signed.
• Read any additional terms carefully and confirm that both parties understand them.
• Check local rules for disclosure, signing, witnesses, notarization, notice periods, and required wording.
• Keep a complete copy of the signed worksheet and supporting records.