Gwen Morgan, creator of the What if …Workbook™ , has been involved with the elderly and hospice for a number of years, thus seeing the importance of being organized about personal affairs. She has personally experienced the positive and negative effects of good or bad planning. Gwen is a trained facilitator for the CircleXChange, a wellness lifestyle program that brings people together in small groups to discuss and share life events: dealing with healthy maintenance of the mind, body and spirit; stress management; and life balance.