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Published by
IVY PLANNING GROUP, LLC
15204 Omega Drive, Suite 110
Rockville, Maryland 20850
(301) 963-1669
www.ivygroupllc.com

© 2000 Janet Crenshaw Smith
All Rights Reserved. No part of this publication
may be reproduced, stored in a retrieval system
or transmitted in any form or by any means —
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recording or otherwise —
without the prior written consent
of the publisher.

ISBN 0-9704152-0-6

Printed in the United States of America

Book design by Nita Alvarez