Miller - Ready for pretirement: plan retirement early so your money is there when you need it

Ready for PREtirement is a comprehensive guidebook that covers everything you need to know about retirement planning. Author Kris Miller breaks down the big, scary money words into terms anyone can understand and provides the tools you need so you can get started immediately. Many people think retirement planning is just for seniors. But Miller taps into her vast estate planning experience to tell you why you should start planning NOWeven in your 20s, 30s, or 40s. Dont wait until its too late. Follow Millers advice and PREpare for PREtirement.

Danette Kubanda, Emmy-winning television producer, writer and publicist

Praise for

READY for PRE TIREMENT

3 Secrets for Safe Money and a Fabulous Future

Do you have peace of mind that your money will be there when you need it? This insightful book is packed with inspiring can-use-it-today forms and advice to set up a sound financial future so you can sleep at night with the knowledge that your golden years will truly be golden. Read it and reap.

Sam Horn, The Intrigue Expert and author of POP!

Kris Miller made a very complicated topic easy to understand and comprehend. She presents valuable information including step-by-step instructions on how to set up a personalized estate plan using todays volatile market to protect and increase an individuals assets. I highly recommend her services to all interested people curious about estate planning in general.

Debbie Carroll, Executive Director, MusiCares,
The National Academy of Recording Arts & Sciences

PREtirement, what an insightful way of putting it. Kris Miller, the Money Maestro, captivates, captures and provides the specific notes for your retirement song, which now can last a lifetime.

Robert Van Arlen, International Speaker, Author and Business Strategist

The information and services that Ms. Miller provides are extremely valuable to anyone who is considering structuring a living trust. As many of the Lions Club members are senior citizens, this information serves to protect the assets of our members and their families at a most crucial time.

Roland R. Vellanoweth, President, Anza Valley Lions Club

Kris Millers informative material leaves anyone better prepared to face the problems we must all face sooner or later.

Jesse A. Edwards, President, Murrieta Shrine Club

As a lawyer who doesnt practice in this field, I wanted to find someone who worked in this field on a daily basis to advise me. Not only did I get my revocable living trust, I updated my life insurance, got a medical savings account and a long term care policy. I will recommend Kris Miller to others I know who are in need of her services.

Sam G. Vanderbrug, Attorney at Law

Retirement planning is a task we all must facesome of us sooner than others. Kris Miller has written an excellent book called Ready for PREtirement? Its a step-by-step guide that covers everything you need to know to get your finances in order. Miller takes an otherwise complicated process and breaks it down into steps that anyone can tackle. The book is packed with resources and worksheets that help you get started now so you can retire worry-free later.

Steve Harrison, Radio-TV Interview Report (RTIR)

READY for
PRE TIREMENT

3 Secrets for Safe Money
and a Fabulous Future

KRIS MILLER , CHFEBS, CSA, LDA

READY for PRE TIREMENT

3 Secrets for Safe Money and a Fabulous Future

by KRIS MILLER , CHFEBS, CSA, LDA
2012 Kris Miller. All rights reserved.

No part of this publication may be reproduced or transmitted in any form or by any means, mechanical or electronic, including photocopying and recording, or by any information storage and retrieval system, without permission in writing from author or publisher (except by a reviewer, who may quote brief passages and/or show brief video clips in a review).

Disclaimer: The Publisher and the Author make no representations or warranties with respect to the accuracy or completeness of the contents of this work and specifically disclaim all warranties, including without limitation warranties of fitness for a particular purpose. No warranty may be created or extended by sales or promotional materials. The advice and strategies contained herein may not be suitable for every situation. This work is sold with the understanding that the Publisher is not engaged in rendering legal, accounting, or other professional services. If professional assistance is required, the services of a competent professional person should be sought. Neither the Publisher nor the Author shall be liable for damages arising herefrom. The fact that an organization or website is referred to in this work as a citation and/or a potential source of further information does not mean that the Author or the Publisher endorses the information the organization or website may provide or recommendations it may make. Further, readers should be aware that internet websites listed in this work may have changed or disappeared between when this work was written and when it is read.

We believe accurate, plain-English legal information should help you with many of your own retirement issues. But this text is not a substitute for personalized advice from a knowledgeable lawyer. If you want the help of a trained professional, consult an attorney licensed to practice in your state.

ISBN 978-1-61448-125-6 Paperback
ISBN 978-1-61448-126-3 eBook
Library of Congress Control Number: 2011936720

Published by:

MORGAN JAMES PUBLISHING

1225 Franklin Ave. Ste 325
Garden City, NY 11530-1693
Toll Free 800-485-4943
www.MorganJamesPublishing.com

Cover Design by:

Brenda Haun

Robert Mott
www.robertmottdesigns.com

Interior Design by:

Bonnie Bushman

In an effort to support local communities, raise awareness and funds, Morgan James Publishing donates a percentage of all book sales for the life of each book to Habitat for Humanity Peninsula and Greater Williamsburg.

I am so thankful to have gotten close to my parents, especially in their later years. I found out what I didnt realize as a child. I never knew the quality of people I had been blessed to be brought up by until I had seen thousands of different family situations in my retirement/estate planning practice. My parents never compromised their principles, and their values were always based on the Good Book. They passed on those principles to me in loving and compassionate instruction. I saw my parents focus their attention, not just on the family, but also on helping others. Just as they generously gave to charity, I too have my favorite charities.