FRESNO, Calif. (KFSN) -- Shared budgeting, linked bank accounts and joint expenses are all topics to discuss when it comes to money and marriage.

"Having some sort of structure around these conversations with a significant other is important," says AJ Flores, Lead Financial Advisor at Portfolio Advisors in northwest Fresno.

Flores says that advice on merging finances isn't one size fits all, but he advises everyone to set the stage to discuss money mindsets and consider potential financial stressors.

"You could go all in on a joint bank account, or you could have separate bank accounts that you each pay into and spend independently from, or you could have some hybrid variation of those two where your joint account funds joint expenses," he said.

Flores says plan for the unexpected.

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