Why Couples Need a Plan Before They Split

The biggest threat to a couple’s financial independence isn’t missing the right investment-it’s not preparing for separation. When breakups happen without a plan, super balances get gutted, homes are sold in distress, and long-term wealth goals collapse overnight. Ian Macleod reframes binding financial agreements as more than legal fine print: they’re proactive tools for stability that protect both partners while strengthening trust. With 15+ years helping couples structure agreements outside the costly, adversarial court system, Ian shows how “planning for the worst” actually frees couples to pursue FIRE, property, and investing with confidence that their goals won’t vanish if the relationship does.

About Ian Macleod

Ian Macleod, podcast guest

Empowering Relationships through Strategic Financial Planning

15+ years Financial agreement expertise1,000s Couples helpedThe New Daily Featured expert2006 Co-founded RP Emery and Associates

Ian Macleod is a seasoned professional with 15+ years of experience helping couples create legally binding agreements that define how finances will be treated before, during or after their relationship.

Since co-founding RP Emery and Associates with his wife, Nadia, in 2006, Ian has dedicated himself to providing Australians with a cost-effective alternative to traditional legal services.

Ian serves as a conduit between the legal and non-legal worlds. Whether helping couples who are proactively protecting their assets from a future family law claim or assisting those who have already agreed on property division, Ian's focus remains on mutual agreement and keeping people out of court.

His approach prioritises avoiding the adversarial nature of the legal and Family Court systems, offering a more harmonious, efficient and cost-effective alternative that preserves relationships and drastically reduces legal costs.

Financial planners, accountants, and mortgage brokers find Ian’s services invaluable for preserving their clients wealth. He offers a practical path through the legal and financial challenges that couples face when commingling finances.

As a podcast guest, Ian delivers actionable insights and engaging stories about financial agreements and alternative legal solutions. His practical advice and extensive experience make him a compelling speaker for professionals looking to enhance their support for clients navigating separations or entering new relationships...

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