Kris Miller

Kris Miller, a retirement and living trust expert, has advised over 5,000 families in the past 20 years on retirement and estate planning issues. She coined the phrase, "pretirement" to emphasize how we need to prepare for our Golden Years way before we retire. Her new book, Ready For PREtirement, 3 Secrets for Safe Money and a Fabulous Future (Morgan James, September 2012) is a comprehensive guide to help anyone at any age to plan for retirement. In addition to her estate planning practice, Miller owns Trust Unlimited and the Living Trust Institute, a document preparation service for creating revocable living trusts. Miller has conducted numerous workshops to educate people and organizations about wise money management for their senior years, how to provide income for retirees, how to avoid probate, reduce taxes, secure the proper insurances, avoid asset-seizure to pay medical debts, and how to create a Living Trust. She holds many designations including:

* Chartered Federal Employee Benefits Consultant (a financial professional who remains up-to-date on the ever-changing Federal Government Benefits Program) * Legal Document Assistant (licensed by the State of California).

She is also licensed by California to sell life insurance and long-term care insurance, she is also an active member of the National Speakers Association. In 2010, she was nominated Woman of the Year and Best Customer Service by Chamber of Commerce in Hemet, CA.

Miller is also an accomplished music professional. The talented singer and songwriter has won several prestigious songwriting awards, including Songwriter of the Year in three categories by the North American Country Music Awards in 2008, 2009, 2010, 2012. She was also nominated in 2010-2012 as Songwriter of the Year by the Inspirational Country Music Awards. She had the No. 1 song in Country Gospel (June 2009) and No. 1 song in New Christian Music Country (September 2010).

The author of over 900 spiritual songs and garnered worldwide radio-play on gospel and country stations. Her music has also topped the charts in Europe.

Miller, a regular guest on "Money 101 with Bob McCormick" for CBS Los Angeles, KFWB News Talk 980, earned the moniker "Money Maestro" because the songstress harmonizes people's finances and keeps them singing "in tune" financially

with security and growth.

Kris resides in Hemet, CA. For more information, please consult www.ReadyforPREtirement.com or read her blog at

www.KrisMillerMoneyMaestro.com.