John Gillespie has that critical element of character, and he is one whom I would deem to be a true professional. His skill and expertise have benefited my clients on many occasions. His advice and counsel has solved many of their problems, or, even better, helped avoid those problems from ever arising at all. Few people that I've worked with have exhibited such a high degree of character. Even fewer, in my definition, are true professionals. John is such in every sense of the word. You are most fortunate to hold in your hand a valuable resource for yourself and your family. This book will provide many great benefits, both in substantive knowledge, and in life-enriching guidance. It will do so because it was written by a man of character, a man who is willing to take your problems and make them his own. L. David McBride