Eileen Gallo Ph.D. and Jon Gallo J.D. are experts on children families and money and the authors of The Financially Intelligent Parent: 8 Steps to Raising Successful Generous Responsible Children (New American Library/Penguin Group) and the critically-acclaimed book Silver Spoon Kids: How Successful Parents Raise Responsible Children (McGraw-Hill 2001). They are the principals of The Gallo Institute a national organization offering education counsel to families and financial advisors.