(KFYI News) Valentine's Day is the perfect time to make that life-long proposal to your significant other, but one financial adviser says "beware." 

Mike Sullivan with "Taking Charge America" says for decades, couples would combine their debt and assets when they get married, but that may not be the best option anymore.

Sullivan says that newlyweds should create shared goals, talk about your credit report and compare spending habits.  "Take Charge America" is a nonprofit credit counseling and debt management agency.