The counsel that I received (and boy do I wish I would have received it earlier) was to split the finances asap. Let her have the responsibility of managing her own money right now, before the D comes. By continuing to handle the daily finances, you are shielding her from that responsibility.
Also, if you haven't done it already, you should get a consultation with a L. Most will do a free initial consult and give you some good legal advice for the state and city where you live.
Peace.
Me40 WAW37 M18 T20 S18,14 D13 EA Bomb 6/08 Sep 11/20/08 Ret 08/09 Sep/Filed 11/09