DAVID CHILTON is the president of a consulting firm that specializes in teaching financial planning techniques through employer-sponsored seminars. By combining common sense and humor, Dave has shown hundreds of thousands of people that sound financial planning is, indeed, "pretty simple stuff." A frequent guest on national TV and radio shows, and a much sought-after speaker, Dave lives in Kitchener, Ontario, with his wife, Susan, son, Scott, daughter, Courtney, and their wonder-dog, Charley.