Kris Miller

  • Author, “Ready For PREtirement”; Estate Planning and Living Trust Expert; National Speaker
  • Hemet, CA   
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(951) 926-4158


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: Plan Retirement Early So Your Money Is There When You Need It (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:
• Certified Senior Advisor (a professional with knowledge about aging and the important health, financial and social issues that impact the majority of pretirees)
• 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. A member of the Society of Senior Advisors, 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 personal finance matters for KFWB-CBS radio in Los Angeles, earned the moniker “Money Maestro” because the songstress harmonizes people’s finances and keeps them singing “in tune” financially with security and growth.

For more information, please consult
www.ReadyforPREtirement.com
or read her blog at
www.KrisMillerMoneyMaestro.com.

Meet the expert

Books & Applications

Book Cover

Expert Articles by Kris Miller

Health Insurance

Dealing with a family member's long-term care insurance

Expert Articles Sponsored by Kris Miller

Marriage and Couples

Get help if you are unsure of your marriage or relationship
Date night is a must for parents to ensure a healthy relationship
Parents can still have a romantic relationship while raising kids
Admitting when you are wrong supports a healthy relationship
Save your relationship with an experienced marriage counselor
Expert advice for a strong and passionate marriage and relationship
Expert advice on meditation and how it can improve your relationship
Get the love you want in your relationship with help from a therapist
Maintaining sexual and emotional intimacy is vital for parents
Expert advice for keeping the romance alive after having a baby
Do you tell your fiancee that you don't love the engagement ring?
Emotionally connect to make it a good relationship and marriage
Parents can rekindle their intimacy to create a strong marriage
Great first wedding anniversary gift ideas for your husband
Fostering strong connections is essential to family well-being
Create meaningful relations by nurturing fulfillment and intimacy
Understand the 4C's and get the best value when buying a diamond
How to create the perfect marriage and avoid divorce
Plan the perfect Valentine's Day for your wife or girlfriend
Tips to ensure parenting does not interfere with your marriage
How to put the sizzle in your sex life regardless of your age
Improve your marriage and relationship through better communication
An unplugged weekend getaway will do wonders for a relationship
How can married couples thrive when one partner has adult ADHD?

Caring for Aging Parents

Advice for elderly families in transition
Help your elderly parent maintain independence with good communication
Get help caring for an elderly parent with this expert advice
Get long-term care that is the right fit for your elderly parent
Discussing difficult life issues with aging family members
Managing the stress often associated with family caregiving
Minimize the holiday blues for seniors suffering from depression
Talk openly by starting a care conversation with aging parents
Preserve the dignity of your elderly parents by caring for their needs
Navigating the challenges of becoming a caregiver to aging parents
Advice for seniors moving to a smaller home or retirement community
Advice for managing the depression of your aging loved ones
How to best approach your parent on moving into a nursing home
How to find a good home care agency and stay in your home
Loved ones can help seniors though the progression of Alzheimer's
How to ensure the safety of your aging parents behind the wheel
Maximize rewards and minimize stress when caring for aging parents
How to help and support your aging parents as they grow older
Advice on what to do when an aging loved one wants to hasten death
Pay careful attention to your elderly parent's hospitalization
Adult children can help their aging parents manage hearing loss

Aging and Longevity

Your elderly parent fell? This could change everything
Choose a trustworthy and qualified caregiver for your elderly parent
Empower yourself as a senior because you deserve a better lifestyle
Prevent falls as a senior by creating a safer living environment
Discover in-home healthcare options that are safe and comfortable
Live longer and feel younger by delaying old age as late as possible
Embrace the change of moving into an assisted living facility
Choose a qualified in-home caregiver from a reliable provider
Keep your independence with the help of an in-home care agency
Reduce the effects of aging using vitamin and nutrient supplements
Overcome your fear of death by embracing love and happiness
A life coach can help you reduce stressful decisions in retirement
Planning and preparation can help with the care of aging parents
Age gracefully with a positive attitude, strong mind and healthy body
Expect spiritual expansion and change when experiencing hospice
Forgetful? Memory enhancement is still possible as you age
Help managing Parkinson's disease symptoms and getting treatment
Embrace hospice as a guide on the journey through terminal illness
Ensure you track and take your medications on time
What can older adults expect from assisted living communities?
Understand Alzheimer’s disease and the care options available
Using modern technology can help elderly people with dementia
Age beautifully and gracefully to help stay healthy and happy
You may be able to stay in your house with home care assistance

Estate Planning

Planning your funeral service in advance gives you peace of mind
Advice for selecting the right estate planner for your situation
Having a baby? Create an estate plan to protect your family
Create a well-designed estate plan for you and your family
A well-rounded estate plan will help protect your family
Receive an inheritance recently? Here is expert financial advice
No family to pass your assets to? Advice for creating an estate plan
Plan your funeral service and ensure your wishes are fulfilled
Choose the right casket for your loved one when planning the funeral
Advice for choosing a qualified estate planner
Save your family the time and stress of probate with your estate
Create an estate plan that works for you and your beneficiaries
Financial steps you must take immediately on the death of a spouse
A new baby is good reason to review and update your estate plan
What every young mom needs to know about wills and estate planning
Married couples should consider individual wills vs a joint will
How to reduce estate taxes when transferring wealth to your heirs

Retirement Planning

Gen Y workers must start saving and investing early for retirement
Have the money you need for retirement with lifetime income annuity
Expert advice on choosing lifetime income annuity program
Take control of your future with a self-directed retirement plan
Know how to financially plan for retirement so you can retire on time
Understand net unrealized appreciation for your 401K
How to benefit from rolling over your 401(k) to an IRA
Expert advice on retirement planning for small business owners
Planning for health care costs is vital to successful retirement
Key considerations in saving for a confident retirement
Save for retirement the moment you land your first job after college
Guarantee income in your retirement with fixed indexed annuities (FIA)
Young people: take a new investing approach to retirement planning
Plan for retirement and get the most out of Social Security benefits
Understand the differences between deferred and immediate annuities
Gain control of your financial health for retirement with a budget
Start planning for retirement as soon as you get your first job
Advice on how to reduce the fees on your 401K retirement account
Expert advice on planning your retirement together
When to collect social security benefits in retirement
Make the most of your money and minimize taxes in retirement
Retiring overseas is possible with careful financial planning
How to make sure your retirement savings lasts the rest of your life
Advice for when you lose your job and forced into early retirement
Create financial security and well-being for your entire family
Ensure steady retirement income with a low-risk annuity investment

Life Insurance

Selecting term life insurance
Selecting whole life insurance when you're newly married
Selecting whole life insurance
How to use life insurance to protect assets
Understanding your Canadian permanent insurance options
Selecting Canada's Term-to-100 life insurance
Selecting Canada's whole life insurance
Selecting Canada's universal life insurance
Shop online for term life insurance that is right for you
Protect your family in your 40's with right term life insurance
Financially protect your family’s future with term life insurance
Between 20 and 25, protect your financial future and buy term life insurance
Saving money is easy when you buy term life insurance in your 20s
Buy term life insurance when you are young, married or have a baby
How to get term life insurance with pre-existing health challenges
New parents: Understand whole life insurance before buying
Read and understand the life insurance policy before you make a claim
Advice on using permanent life insurance as an investment vehicle
Expert advice for getting a high risk life insurance policy
Options for life insurance when diagnosed with prostate cancer
Learn the benefits of a No Medical Exam life insurance policy
How to buy an annuity for retirement and as life insurance

Money and Health Care

Do not let large medical bills weigh you down
Read the small print when signing medical financial consent forms
Protect yourself and your budget when signing online medical financial consent forms
Understanding your medical bills can protect your financial health
How to negotiate and manage large medical bills and billing errors

Finance for Couples

Debt, savings, and spending basics for the newly engaged
Newly married couples should plan their finances together
Discussing a prenup can help you both plan your financial future
Prepare for your first baby with a solid financial plan
Spend time on your family's financial plan to ensure a secure future
Advice on how to agree on budgeting and finances with your spouse
Marriages succeed when you're open and honest about finances
Professional advice on financial planning for newlyweds
Advice on how to deal with your shopaholic spouse
How to prepare yourself financially for a new baby
When having a baby you must assess and adjust your finances
Having a baby is a milestone requiring financial planning
A prenup or postnup agreement can be really good for a marriage
Discuss money and budgeting before buying the engagement ring
Money management advice for couples who are financial opposites
Talk about money and personal finance in a serious relationship

Money and Divorce

Financial advice for women going through a divorce
Financial advice for women going through divorce after a long marriage
Achieving financial independence after divorce offers a fresh start
Protect your financial well-being and future during separation
Expert advice on debt and credit when getting a divorce
Expert advice on how to best divide assets during a divorce
Women: a divorce financial planner can help you fairly divide assets
Women: plan for retirement and secure your future after a divorce
Advice on how to split your assets in a divorce
Advice for women on calculating your financial needs after divorce
Advice for women on determining financial needs after divorce
Do not just divide assets and debts in divorce—consider a buyout
Help for dads paying child support or alimony after a job loss

Wills and Estates

Helping you through probate
Things to consider with a power of attorney
What’s the difference between a will and a living trust?
Should I leave assets outright or in a trust?
Evaluate elder’s competency to protect their health and finances
A revocable living trust will protect your assets and avoid probate
Create a postnuptial agreement to protect your financial future
Create a written will to protect loved ones and give you peace of mind
Expert advice on deciding if a prenup is right for you
Ensure your pets are taken care of in your estate plan and will
A will helps control the distribution of your estate after death
Newlyweds should prepare a will and discuss estate planning
How to correctly modify your will after having a child

Divorce and Separation Law

The right way to separate
What to do when "I do" turns into “I don’t”- A Divorce Guide
Legal guidance for co-parenting a pet with your ex
How to choose the right divorce attorney for your divorce
Negotiating alimony during a divorce
A parenting plan means more than trading weekends with your ex
Divorcing and divorced dads succeed when they put the interests of the children first
Fathers will win child custody battles if the children are the priority in everyday life
Take precautions to ensure a quick and fair high net-worth divorce
These child support basics will benefit you and your children
Men will prosper in a divorce by focusing on these practical solutions
Be realistic, reasonable and communicate for a successful divorce
Find hidden assets that your spouse has not declared during divorce
Divorce mediators help you settle differences and save money
Mediation can help you get what you want in divorce and save money
Know the difference between custody and shared parenting in divorce
Parents considering divorce must protect themselves and kids
A collaborative divorce avoids a court battle and reduces costs
Choose the right divorce attorney to protect you and your family
How to get an annulment when there is misrepresentation or fraud
How to ensure your ex-spouse complies with the court's orders

Budgeting

Gain control of your money
How to create a household budget
Financial planning 101 for empty nesters
Cure the holiday debt hangover with a headache-free financial plan
Teach your children rich habits to be financially successful in life
Navigating online shopping during the holiday season
Recommended New Year resolutions for your personal finances
When paying your bills, decide which debt is best to pay first
Save money in a rainy day fund for life's unexpected emergencies
Save money and spend wisely—become a millionaire by living frugally
Prepare a budget and then use online tools to manage your money
Make small changes in spending and reduce costs to boost savings
How to teach your children financial responsibility
Financial planning for the first time investor
How to respond when a friend asks for money or a loan
Advice for those investing in the stock market for the first time
Teach your kids about money and how to budget, spend, and save
Saving for a rainy day fund is easy with this advice
How to talk to your children and grandchildren about finances
A financial planner can help you reach your investment goals
Owning gold or a gold IRA can be a great long-term investment
Educate teens on the importance creating and following a budget
Spend your money wisely while on vacation and stay on budget
How to stay on a strict budget and be happy at the same time
How to save money and take a vacation without going into debt
What is diversification and a diversified investment portfolio?
How to best invest inheritance money or other financial windfall
Give kids an allowance to learn about money and how to budget
How you can plan and budget to save money on your summer vacation

Cancer

Expert advice on undergoing breast reconstruction due to breast cancer
Take a DNA test to avoid a breast cancer biopsy misdiagnosis
Integrate acupuncture and Western medicine to help treat cancer
Advice on getting lymph node transfer for lymphedema patients
Recognizing moles and skin as cancerous and getting help
Maintain your femininity when diagnosed with breast cancer
Breast cancer treatments: How to choose the best option for you
Cancer rehabilitation can help you recover and tolerate treatment
Mohs micrographic surgery can help treat skin cancer
Advice for getting proton therapy treatment for prostate cancer
Little known things that can reduce your cancer risk
A patient’s survival guide: Prevent medical mistakes and misdiagnosis
Prevent cervical cancer with early detection and education
Advice on helping a loved one who has been diagnosed with cancer
Preventing melanoma starts with protecting your skin from UV rays
Find the right dermatologist to remove precancerous moles
Steps you can take to reduce your risk of developing lung cancer
What to expect and how to prepare for undergoing chemotherapy
Advice on treating and managing cervical cancer
You can reduce the risk of skin cancer and enjoy the great outdoors
How to manage lymphedema when undergoing cancer treatments
Stay positive when diagnosed with cervical cancer
How to emotionally cope when you are diagnosed with cancer
Prepare for surgery by speaking with your anesthesiologist
A trusted healthcare team can help manage and treat ovarian cancer
Manage your chronic pain while going through cancer treatment
Prevent skin cancer by protecting yourself from harmful sun exposure
A supportive gynecologist can help you overcome ovarian cancer

Surviving Divorce

Have a healthy and successful pregnancy while getting a divorce
Successfully move on and start over after the divorce is final
Take the right steps to help yourself and reduce stress during divorce
Move beyond dependence-like behaviours to help heal from heartbreak
Expert advice when your spouse surprises you with divorce
Rebuild your self-confidence and self-worth after divorce
Divorcing your sugar daddy: a zero-calorie drama-free action plan
Get a divorce coach to help and support you in your divorce
You win when you remain civil with your ex during the divorce
What to do if you disagree when dividing assets during a divorce
Advice and help when your husband has cheated on you
Keep a level head and productive dialogue with your soon to be ex
My way or the highway is a road to nowhere in divorce
Stand your ground and get what you want out of the divorce
Life after divorce: How to rebuild your self-esteem and confidence
How to survive divorce and still get what you and your family need
Women in divorce need to understand division of marital assets
How to make a trial separation work and not always end in divorce
Reduce the stress of divorce by being cooperative and rational

Families in Divorce

Teenagers: You can get through your parents' divorce
Creating a safe, open space is key to talking to kids about divorce
Single moms have healthy social lives by managing kids' expectations
Sensitivity is vital when talking to toddlers about divorce
Ease the transition for kids between two homes after divorce
Help your kids by moving on after divorce and reclaim your life
Managing the effects of divorce on kids with and without disabilities
Expert advice for protecting your children during and after divorce
What to do when your teenager wants to move in with your ex-spouse
Navigating divorce while raising a child with special needs
Ensure a happy and healthy future for kids by divorcing with dignity
Make your divorce easier on kids by divorcing only your spouse
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