Open enrollment season can be a whirlwind for anyone. Being in a relationship adds an extra layer of complexity, especially when your workplace enrollment windows don’t align.

Conflicting deadlines, varying benefits options, and differing risk appetites make it challenging for couples to coordinate their choices.

At Extreme Investor Network, we understand the importance of maximizing your benefits as a couple. We believe that by strategically aligning your decisions, you can create a comprehensive benefits program that meets both of your needs. Here’s how you can navigate open enrollment season together:

Communication is key when it comes to navigating open enrollment as a couple. It’s crucial to start discussing your benefits options early and avoid waiting until the last minute. By initiating conversations well in advance, you can gather all the necessary information and make informed decisions.

At Extreme Investor Network, we emphasize the importance of proactive communication. Waiting until the deadlines approach can lead to rushed decisions based on assumptions. Reach out to your enrollment teams early to gather detailed information about your options and make meaningful comparisons.

By having early discussions and asking important questions, such as addressing any major life changes or new financial goals, you can align your priorities and make informed choices that benefit both partners.

At Extreme Investor Network, we advocate for a thorough understanding of each other’s benefits options. By collecting and comparing information about available benefits, you can identify the most suitable choices for your household.

Creating a benefits inventory that includes details like costs, coverage limits, and employer contributions can help you make informed decisions that align with your shared goals.

After gathering all relevant information, it’s time to develop a cohesive benefits strategy. Consider both of your options together and prioritize benefits that are essential to both partners.

At Extreme Investor Network, we highlight the importance of understanding employer subsidies and considering risk preferences when making benefit choices. By selecting benefits that align with your risk tolerance and financial goals, you can create a comprehensive benefits plan that provides peace of mind.

Regularly reviewing your benefits is essential to ensure they continue to meet your needs as a couple. Life changes, and financial circumstances evolve, making it crucial to revisit your benefits strategy annually.

At Extreme Investor Network, we recommend discussing your benefits during regular money meetings as a couple to address any concerns or changes that may require adjustments to your plan. By staying proactive and reassessing your benefits each year, you can ensure that your program remains optimized.

If you feel overwhelmed by the open enrollment process, don’t hesitate to seek professional help. Financial advisors and benefits specialists can offer valuable insights to help you make informed decisions that align with your broader financial goals.

At Extreme Investor Network, we understand the complexity of coordinating benefits decisions as a couple. By seeking professional guidance and working together to create a shared strategy, you can maximize your benefits and strengthen your financial partnership.

— By Douglas and Heather Boneparth of The Joint Account, a money newsletter for couples. Douglas is a certified financial planner and the president of Bone Fide Wealth in New York City. Heather, an attorney, is the firm’s director of business and legal affairs. Douglas is also a member of the CNBC Financial Advisor Council.