Tip: Guide helps you prepare for the golden years

Most people are either retired or will be retired some day, ready or not. This may help.

MetLife Mature Market Institute is offering a free guide to help prepare you for the golden years. The "Retirement Readiness Workbook" offers tips toward a successful transition to retirement and a "Retirement Readiness" assessment that will help you evaluate how prepared you are, even if you already are retired. Your readiness score is different, depending on whether you are retired, within five years of retirement, six to 15 years from retirement or more than 16 years away.

For the guide, go to metlife.com and type "retirement readiness" in the search box.