Evaluate Your Financial Fitness
If you’ve never worked with a financial planner, it’s likely that your finances aren’t set up for maximum savings/ financial protection. If fact, even if you had, my expertise includes techniques that only the top 1% utilize. The best way to understand where you could save more/ earn more is through a financial fitness review.

Please provide the following: (required)
How did you hear about us? (required)
GOALS & WHAT THEY MEAN WHAT THEY ARE WORTH
Tell me a little about what you do? What is your business? (required)
Are you married? What does your wife do? (required)  YES NO


Do you have kids and how many? Ages? (required)  YES NO



If you could wave a realistic magic wand, where would you like your (Money/business/health/Spiritual Life) to be in the 6months to a year? (required)
If you had it the way you wanted what would that do for you? (required)
What would be the best part about it? (required)
Why?
CHALLENGES & THEIR IMPACT/COST
What do you think is slowing you down, standing in the way, or stopping you from having all of of your goals stated above? (required)
What impact do you think these challenges are having on your (business, relationship, etc)? (required)
How long have these challenges been going on? (required)
What is the worst part about these challenges? (required)
Why? (required)
THE TURN-AROUND/LIGHT AT THE END OF THE TUNNEL:
What if you could ten all these challenges around what would that do for you? (required)
What would be the best part of that? Why?
What have you found most valuable about our time together so far?
I have a program designed specifically to help people overcome these sorts of challenges and achieve these kinds of results. Would you like to hear a little bit about it?
HOW I HELP YOU
I have a Financial Concierge Program, I am your Money Maestro and help harmonize your assets…

YOUR LIFE YOUR MONEY                Your Personal Financial Concierge

1. Educate - 3 Secrets for Safe Money and a Fabulous Future
There is a $47, $99, $297, $497 info products

PRE-tirement, PLAN RETIREMENT EARLY so your wealth health is there when you need it. Find out how to protect your assists from, catastrophic long-term health care nursing home costs, probate and the Great Recession

STRATEGY SESSION Investment $297
1. Educate
2. Financial Fitness Review
3. Research
4. Present Plan

Moving forward you can invest a 6 month or year Financial Concierge) A year Concierge Service is $1,979 and 6 months is $1111 we help you put everything into action, and walk hand in hand through it all…

The FINACIAL FITNESS REVIEW

RESULTS                 Rock your Finances- build on solid ground

This is a $ 10,000 value and the out come you will receive.
What is the cost of NOT using me?
You will walk away knowing your best next action to take
. You will know how to bring more money into your life
. You will understand what is standing in you way and what to do about it
. You will understand why and what you need to do next

TRANSFORMATION

When people work more closely with me they will receive a customized based on their personal needs, health, wealth and family concerns;

VIP 1:1 One on one coaching, VIP day, done with you, done for you (bonus for fast action takers, join me after my workshop for dinner nothing fancy just me :)

2. Assessing $ Fitness Review                  this needs to be re-written so it reads better
a. ACCESSING their pains to show them the solutions, the financial fitness review, look at their age, health, wealth, income debt, real estate, stocks, bonds, whether or not they have a 6-months rainy day fund, you look at their insurance, if they're married, have kids, what their family structure is, their goals. That is step 2. Part of step 2 is also assessing what they need, so you take a look at whether or not they need to set up a trust, which kind of insurance, whether it's long-term care, health care, life insurance, catastrophic. You look at their income, annuities, the IUL, legal docs, power of attorney, health, financial, and things like that. So those 3 foundations you talked about and the educate step you really look at what do they have and what do they need.
b. RESEARCH, is the third step, and you look at the best instruments for their goals and you get the illustrations together to present to the client.
c. PRESENT the potential plan to the client. Moving Forward SAFE MONEY BLUE PRINT Strategic conversation, showing them what they need to do to have a break through with their financial results.
You show them the best package or plan for them. Moving forward with that, you implement that plan, and this is where, depending on where they're at, you can do 3 or 6 months, kind of consulting packages with them, to help facilitate the implementation of that plan.
D. Annual review and tweak where you get statements from the client where you take a look at what's going on, have their needs changed, etc., and keep them on the right track with their plan. And then the final step was to celebrate.
In the annual review, that's really where you have an opportunity to annuitize or annualize your client base because they can pay you an annual fee for that, and you're essentially on retainer with them. What we identified the last time is that you're really the cheapest, but the best insurance policy those people will ever buy by having you really look at what's going on and what they need. If they do need to tweak something, you would go back to the research step and look for the instruments that are best for them and help them implement that. well.

Which of these options feels like the best fit for you? (required)
Would you like to give it a try? (required)  YES NO
Great. Let me get you entered into the system
Help them overcome their fears if they are not ready to move forward

PERSONAL INFORMATION

(name most often used to title property and accounts)

Client’s Signature Name(required) Also Known As(required)
(other names used to title property and accounts)(required) [textfv* totitle-property] Prefer Tobe called(required)
BirthDate(required) SS#(required)
US Citizen?(required) Home Address(required)
City(required) State(required)
Zip(required) Home Tel(required)
Occupation(required) Employer(required)
Business (required) State(required)
City(required) Zip(required)
Email Address(required) It is Okay to Communicate with me Via Email Yes
 Married Divorced Widowed Single Date Cohabiting: Domestic Partnership Registration Filed?(required)
Partner’s SignatureName(required) AlsoKnownAs(required)
(other names used to title property and accounts)(required) Prefer ToBe Called(required)
BirthDate(required) SS#(required)
US Citizen(required) HomeAddress(required)
City(required) Address(required)
Zip(required) Home Telephone(required)
Cell Number(required) Business Telephone(required)
Occupation(required) Employer(required)
Business Address(required) City(required)
State(required) Zip(required)
Email Address(required)  Yes(It is Okay to Communicate with me Via Email)
AlsoKnownAs(required)

CHILDREN AND/OR OTHER FAMILY MEMBERS OR BENFICIARIES

http://www.readyforpretirement.com/
Email:info@readyforpretirement.com

ADITIONAL INFORMATION FROM ABOVE OR ANYTHING ELSE YOU WANT TO TELL ME

INCOME/ASSET/LIABILITY INFORMATION

Owner:

INCOME: Husband Community/Joint Wife
Earned Monthly Income:
From Labor:
Monthly Social Security Income:
Monthly Pension Income:
Other Monthly Income:

ASSETS:


REAL PROPERTY

Please List Any Interest In Real estate including your family residence,vacation home,time share or vacant land.(Please least manner in which title held-Joint Tenant,Community Property,Separate Property,Tenant in Common

General Description and/or Address Owner Market Value Equity
Total

PERSONAL PROPERTY

TYPE:List Separately only major personal effects such as,jewelry,collections, antiques,furs and allot her valuable NON business personal property(indicate type below and give a lump sumvalue for miscellaneous,less valuable items)



Miscellaneous Furniture And House hold Effects(Total)Total

BANKS AND SAVINGS ACCOUNTS

TYPE:

Do not Include IRA’s or401(k)’shere

Name of Institution and Account NumberType Owner Amount

STOCKS AND BOND


TYPE:List all and any stock and bonds you own. If held in broker age account,lump them together under each account.

(indicate type below:)


Total

LIFE INSURANCE POLICY AND ANNUITIES

TYPE:Term, Whole life, SplitDollar, GroupLife, Annuity. ADDITIONAL INFORMATION: Insurance company, type, face amount(death benefit),whose life is insured, who owns the policy,the current beneficiaries,who pays the premium,and whois the life insurance agent.

Total


RETIREMENT PLANS

TYPE:Pension(P),Profit Sharing(PS),H.R10,IRA,SEP,401(K). ADDITIONAL INFORMATION: Describe the type of plan, the plan name, the current value of the plan, and any other pertinent information.

Total


BUSINESS INTERESTS

TYPE:General and Limited Partnerships, SoleProprietorships, Privately Owned Corporations, Professional corporations,Oil interests, Farm and ranchinterests. ADDITIONAL INFORMATION: Give a description of the interest, your ownership in the interests, and the estimated value of the interest..

Total

MONEY OWED TO YOU

TYPE:Mortgages or promissory notes payable to you, or other moneys owed to you.

Name of Debtor: Date of Note:
Maturity Date: Owed to:
Current Balance: Total:

ANTICIPATE INHERITANCE, GIFT, OR LAWSUIT JUDGEMENT

TYPE:Gifts of Inheritances that expect to receive at sometime in the future; or moneys that you anticipate receiving through a judgment in a lawsuit. Describe in AppropriateDetail.

Description:

OTHER ASSETS TYPE:Other Property is any property that you have that does not fit into any listed category

Type: Value: Total:
SUMMARY OF VALUES
ASSETS Husband Wife Amount TotalValue
Real Property
Furniture & Personal Effects Bank & Savings Accounts Stocks & Bonds
Life Insurance & Annuities Retirement Plans
Business Interests Money Owed to you
Anticipated Inheritance, etc Other Assets
Total Assets:

Joint Property Values Enter ½ in husbands Columnand ½ in wife’s column


DESIGN INFORMATION

PERSON TO ACT FOR YOU-IF YOU ARE UNABLE GUARDIAN FOR MINOR CHILDREN:

If you have any children under the age of 18 , List in order of preference who would raise the mand love the min the manner as close as possible to the way you would.

Name , Address , phone Number And Relationship

GUARDIAN FOR PETS:


FINANCIAL DECISION MAKERS:

DEATH TRUSTEE: After Your Death, who do you want making decisions regarding the management and distribution to your assets to your beneficiaries?
Name , Address , phone Number And Relationship

HEALTH CARE DECISION MAKERS

HEALTH CARE:If you were unable to make decisions for your self, who would you want to make decisions for you with regard to your medical treatment?

HUSBANDS AGENT

Name , Address , phone Number And RelationshipDo you want to provide that your organs and tissues should be made available for transplant purposes?

__ HUSBAND WIFE
Do you have a will, trust or other Estate planning document?  YES NO  YES NO
Are you making payments pursuant To a divorce or property settlement Order?  YES NO  YES NO
If married have you(or your spouse)Ever filled federal or state gift tax returns?  YES NO  YES NO
Do you or any of your children or Other beneficiaries have disabilities, Serious health problems or other Specialneeds?  YES NO  YES NO
If yes please describe below
Do you own a business?  YES NO  YES NO
(nursing home) insurance policy?  YES NO  YES NO
Do you own any property that is Not community property?  YES NO  YES NO
Have you(or your spouse) Ever filled federal or state gift tax Return?  YES NO  YES NO
Do you support Any charitable Organizations Now that you wish to make provisions for at The timeof your death?  YES NO  YES NO
Are you (or your spouse)currently the Beneficiary of any one else’strust. If so Please explain below.  YES NO  YES NO
ADITIONAL INFORMATION FROM ABOVE OR ANYTHING ELSE YOU WANT TO TELL ME

Preserve and Maximize Assets:

  • By minimizing taxes during your life (income taxes,capital gain staxes,estate taxes on inheritances you expect to receive)
  • By minimizing or eliminate estate taxes upon your death(up to 55% of your assets and life insurance benefits)
  • By reducing estatead ministration costs through probate avoidance.
  • Avoid or limit Medical claim sony our asset should you require long term care.
  • Ensure that a special needs beneficiary has assets that a reprotected from government seizure while retaining eligibility for needed services.
  • Ensure that your family has enough life insurance to provide a comfortable life style no matter what happen.
  • By ensuring that your asset sha spassed to your descendant sand not given away to out siders, such as spouses,creditor sorthe government.

Protect your self and your spouse:

  • Formal practice or other creditor claims
  • From conservator ship proceedings(aka“living probate”)if you or your partner become in capacitated.
  • From the probate delay sand stress upon your death or the death of your partner.
  • From hospital policies requiring life sustaining procedures when you would rather not endure them
  • From health care decisions made by peopleo ther than those you trust most.

Protect Your Children or other Beneficiaries…

  • From predators who candiscover inheritance amounts and target young or vulnerable beneficiaries
  • From claims of divorced spouses to take half of your child or beneficiaries inheritance
  • From malpractice claims,for beneficiaries in the professions
  • From other creditors’claims( suchascaraccident plaintiffs)
  • Froms tress and delays of the average 16-month process of probate.
  • From the financial immaturity resulting in a quick loss of an inheritance
  • From sharing assets with heirs you would rather dis inherit.
  • From litigation claims by dis inherited heirs
  • Fo rParents only: from relative swho would be poor,abusive or even dangerous guardians or from foster care.
  • For Parents only:from acquaintances and relatives who should not be allowed to be alone with your children
  • For special needs beneficiary only:from neglect in the government care system.

Protect Your Children or other Beneficiaries…

  • From predators who can discover inheritance amounts and target young or vulnerable beneficiaries
  • From claims of divorced spouses to take half of your child or beneficiaries inheritance
  • From malpractice claims,for beneficiaries in the professions
  • From other creditors’claims( such as car accident plain tiffs)
  • From stress and delays of the average 16-month process of probate.
  • From the financial immaturity resulting in aquick loss of an inheritance
  • From sharing assets with heirs you would rather dis inherit.
  • From litigation claims by dis inherited heirs
  • For Parents only:from relatives who would be poor,abusiveor evendangerous guardians or from foster care.
  • For Parents only:from acquaintances and relatives who should not be allowed tobe alone with your children
  • For special needs beneficiary only:from neglect in the government care system.

AchieveYourDreams

  • Have clarity about your life purpose, goals and dreams
  • Beneficiaries table organization or activity
  • Support a common family goal through coordinated planning
  • For Parentsonly:By providing guidelines for how your children should be supported while their assets in their trust.
  • For special needs beneficiaryonly: By providingi nstructions,people,anda ssets to support your special needs beneficiaries above apoverty life style.
  • For business Owners Only: By providing for the order lycontinuation and transfer of family business interests rather than adistress sale
  • Formal practice or other credit or claims
--- Most Important Least Important Neutral Least Important

Cultural values such as art, music, travel.

       

Economic values such as financial responsibility, Frugality, savings

       

Educational values such as study, self improvement, Academic achievements, life long learning.

       

Emotional values such as compassion, kindness, generosity.

       

Ethical values such as honesty, fairness, justice.

       

Material values such as possessions, social standing, Rank and title.

       

Personal values such as modesty, loyalty, Independence.

       

Philanthropic values such as volunteer work, donations (timeandmoney)

       

Physical values such as health, relaxation, exercise, Appearance.

       

Public values such as citizenship, community Involvement, public service.

       

Recreational values such as sports, leisure time, hobbies, vacations

       

Relationship values such as family, friends, Colleagues.

       

Spiritual values such as faith, believe in God, inner Peace.

Work values such as effort, competence, Professional recognition and success.
Feel free to leave blank any item you do not wish to rank.

I want more information on how to:

 Yes (Defer paying federal income taxesonmy interest income.)
 Yes (Defer paying state income taxes on my interest income Defer paying state income taxes onmy interest income)
 Yes (Avoid the costs and delays of probate.)
 Yes (Increase my after-tax interest income.)
 Yes (Keep more of my social security income after taxes.)
 Yes (Make sure my money,at my death, will go to those family members I choose, not those the probate court chooses.)
 Yes (Switch my IRA accounts to annuitie swith 100% IRS approval.)
 Yes (Lockin aguaranteed interest rate for five years with 100% IRS approval.)
 Yes (Recover losses on my 401(K) portfolio.)
 Yes (Recover transfer costs incurred when moving myCDs,mutual funds,money market accounts,stocks,etc.into annuities.)
 Yes (Protect my savings from creditors.)
 Yes (Guarantee my interest income may increase if I become disabled.)
 Yes (Maximize my company’s retirement plan.)
 Yes (Putupto $500,000 tax-free in my bank account.)
 Yes (Take three vital steps before I retire.)
 Yes(Lockin and guarantee my stock market gains and still participate infuture gains if market continuesto grow.)
 Other
I would prefer my free 30-minutes confidential financial fitness exam to set up:
Place Skype Phone Time:  Morning Afternoon
My name is: My telephone number is: Email:
 I understand I am under no obligation to take any actionre commended. For tax or legal advice, consult your accountant or lawyer.

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Testimonials

Dear Kris Miller: Re a referral of Velma Stengel:   Here is the story for you to share. Velma Stengel my sister lost her Husband of 59 years in March. She had mentioned to me that some neighbors said she needs to se...
Read More..
2015-07-22T23:21:38+00:00
Dear Kris Miller: Re a referral of Velma Stengel:   Here is the story for you to share. Velma Stengel my sister lost her Husband of 59 years in March. She had mentioned to me that some neighbors said she needs to se...
Read More..

Kris Miller has the ability to explain planning for retirement in a way we can all understand and prepare. – Patricia Fripp
2014-11-14T02:26:09+00:00
Kris Miller has the ability to explain planning for retirement in a way we can all understand and prepare. – Patricia Fripp

Having a Living Trust will take a lot of stress out of our lives” - Mr. Randal, CA
2014-11-14T02:27:13+00:00
Having a Living Trust will take a lot of stress out of our lives” - Mr. Randal, CA

Dear Kris Just a short note to tell you how much I appreciate your advice to invest in American Equity it is making my life much easier Sincerely - Patty Matheis
2014-11-14T02:27:43+00:00
Dear Kris Just a short note to tell you how much I appreciate your advice to invest in American Equity it is making my life much easier Sincerely - Patty Matheis

“I would like to say ‘Thank You’ for the professional and personal way you took care of my estate planning and also my investments.” – Coleva A. Rogers
2014-11-14T02:28:34+00:00
“I would like to say ‘Thank You’ for the professional and personal way you took care of my estate planning and also my investments.” – Coleva A. Rogers

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