When you are a single woman, you would use the first letter of your given,

middle and family surname to create a monogram. A woman might make her

surname initial oversized and use it in the middle, flanked by her given and

middle names. For instance, Janine Lea Fisk, would be JFL.

When a woman marries, she drops her middle name and adds her husband’s

surname. So, if a Janine were to marry William B. Swan, her initials would change

to JSL. A man is lucky; he keeps his same three initials throughout his

life - WBS  unless, his wife and he share a monogram on certain wedding gifts.

For shared gifts such as  candy, engraved silver, etched crystal, or

embroidered linens., the  monogram would be JSW.