How to Protect Your Non-Marital Assets in Illinois

How to Protect Your Non-Marital Assets in Illinois

In Illinois, property is divided into marital and non-marital assets during divorce. Generally, property you acquired before marriage, as well as gifts and inheritances made to you individually, are considered non-marital assets. These typically remain yours, but without careful planning, they can become marital property and subject to division. Here are some Illinois-specific tips to help safeguard what’s rightfully yours.

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1. Keep Clear Records

Illinois courts require proof that an asset is non-marital. Maintain detailed records showing when and how you acquired the property—such as deeds, account statements, or inheritance paperwork. If you can’t trace the origin of the asset, the court may presume it’s marital.

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2. Avoid Commingling

In Illinois, once non-marital property is commingled with marital property, it can lose its separate status. For example:

• Putting inherited funds into a joint account.
• Adding your spouse’s name to the deed of a home you owned before marriage. To protect your rights, keep non-marital property in separate accounts and titled in your name only.

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3. Understand Illinois’ Approach to Prenuptial and Postnuptial Agreements

Illinois recognizes both prenuptial and postnuptial agreements under the Illinois Uniform Premarital Agreement Act. These agreements can spell out which assets are non-marital and prevent disputes later. They must be entered into voluntarily, with full financial disclosure, to be enforceable.

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4. Watch Out for Improvements and Income

If marital funds or your spouse’s efforts are used to improve a non-marital asset, Illinois law allows your spouse to claim reimbursement or even a portion of the increase in value. For example, if you owned a house before marriage but used marital money to renovate it, your spouse may have an interest in the appreciated value. Similarly, income generated by non-marital property (like rental income) may be treated as marital if it’s not kept separate.

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5. Keep Inheritances and Gifts Separate

Illinois law generally protects inheritances and gifts made to one spouse, but only if they’re kept separate. Deposit these funds into an account in your name only and avoid using them for marital expenses to preserve their non-marital character.

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6. Get Professional Guidance

Because Illinois divorce law has detailed rules about classification and reimbursement, it’s important to consult a family law attorney before marriage, after marriage, or if divorce is on the horizon.

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Final Thought

In Illinois, protecting non-marital assets isn’t about anticipating divorce—it’s about ensuring clarity and fairness. By maintaining records, avoiding commingling, and considering legal agreements, you can protect your financial future and minimize disputes down the road.