Marriage is an exciting and busy time. You’re certainly busy budgeting the wedding, but don’t forget about discussing the future money matters too. People often overlook the fact that money issues/problems are the root cause of many unhappy and failing marriages. This isn’t an effort to be pessimistic or rain on the wedding parade, but rather an effort to start you off right by building a solid foundation that marriage and financial partnership can thrive upon. Start by considering the items in this simple ten point checklist.

Ready or not…

If you are an applicable large employer with 50 or more full time employees and full time equivalents, you have to provide all full time employees with IRS Form 1095. This form is based on the 2015 tax year and must be distributed to full-time employees by February 1, 2016. The penalties for non-compliance are huge – $250 per violation.

Without Social Security benefits, millions of Americans—from retirees and disabled adults to the families of retired, disabled or deceased workers—would lack economic security. The program paid monthly benefits to 57 million people in 2013, funded by the Social Security taxes paid by 158 million. Social Security benefits account for 38 percent of the annual income of U.S. elderly according to the Social Security Administration.

A windstorm causes major damage to your office roof. A fire destroys a portion of your warehouse. A flood reduces key pieces of your equipment to rubble. These and other disasters can strike your company at any time, preventing you from carrying on with business as usual. You now have a cash flow problem: you cannot sell goods or services until you’ve made necessary repairs and replacements, yet you still have to meet payroll and cover rent, taxes and other expenses. This is when you need business interruption insurance.

According to the Merriam-Webster Dictionary, the word “meaningful” means “Having a meaning or purpose, full of meaning, significant.” It’s a concept that’s decidedly absent in much of the retirement benefit education employers provide their workers. Sure, they may cover all the bases, from how much a worker can contribute and how those contributions can be made to the basic options for investment of their funds and tax benefits of each. These facts are important. But they’re not as meaningful as engaging employees in a real conversation about their personal future.