FREQUENTLY ASKED QUESTIONS

Your questions answered

What is a fiduciary?

A fiduciary is someone who is legally obligated to act in your best interest and be able to prove it in a court of law. Securities-licensed advisors at Ronald Gelok & Associates are fiduciaries.  

Do I have to pay for our first meeting?

No. We believe everyone should get to know their advisor before they do business. You need to understand what we do and how it could benefit you first. Bring your financial questions with you to your first free session and determine for yourself if an advisor from RGA would be a good fit for you.  

How does RGA get paid?

Investment advisory services, accounting services, and legal services are fee based. Anything related to insurance (ie – life or health insurance) is commission based.    

I have no idea how much money I should be spending now so that I don’t have an income shortfall later. Can RGA help with that?

Yes! Retirement income planning can be complicated. Too many retirees run out of money before they run out of breath.   

I have an elderly parent whose health is going downhill. I’m seeing firsthand how expensive it can get. What if that happens to me? I want to know what to do, but I don’t want to spend thousands of dollars a year on expensive long-term care insurance. Are there other ways to deal with this that make more sense?

Yes, there definitely is. This is an area where what you don’t know can cost you big time. We’ll give you all the facts.  

Why should I work with you over my current advisor or myself?

You could go it alone or stick with an advisor you’re used to, or you can choose to work with an RGA advisor who prioritizes tax-advantaged, tax-deferred, and tax-free ways of growing and saving your money.  

Do I have to come to the office?

No. We offer virtual meetings via zoom or telephone meetings. However, in-person meetings are available and follow the social distancing guidelines to ensure your safety.  

How do I know you’re acting in my best interest rather than being motivated by commission?

When it comes to investment advice we are bound by the fiduciary standard – we are legally obligated to act in your best interest! When a client is interested in purchasing insurance, we help them determine which option they feel is best for them. We believe clients should fully understand the choices available to them.   

I have money that is in different types of accounts: IRAs and 401k, bank and brokerage accounts, etc… I don’t know the best order to access these funds. Is that something RGA knows how to do?

Absolutely. Looking through the fine details and sorting through the variables is  a big part of what RGA does. We help make clear what order you should spend what money to keep my taxes as low as possible.    

Why should I deal with all this now?

Some problems left unaddressed only get worse with time. For example, you may have a gut feeling that you’re taking on too much risk in your portfolio but decide to do nothing. Then we hit a bear market and you wish you had fixed the problem sooner. We know that over time little problems turn into big problems. At RGA, we believe in “results-in-advance” planning so you can avoid a negative outcome.  

YOU DESERVE BETTER

At RGA, we know you want to be financially free. To get there you need a smart plan that covers all areas of your financial life. The problem is a cookie-cutter plan from the average advisor is not truly customized to your unique situation. You deserve better. We understand that going through financial details and complexities can feel daunting. That’s why we do it for you by using a multidisciplinary team approach to financial planning. At RGA, we give every client concierge-level access to in-house tax attorneys, accountants, financial advisors, and licensed insurance professionals. Our team creates a 5 Pillar Financial Blueprint that includes tax reduction, portfolio stress-testing, investment coaching, retirement income road-mapping, and specialized estate planning. So book an appointment to stop worrying and start taking control of your future.

ACHIEVE YOUR DREAM RETIREMENT WITH RGA

ONE

Book your free
Strategy Session

TWO

Receive your
customized plan

THREE

Enjoy retirement
on your terms!

1415 Panther Lane, Naples, FL 34109
2001 US Hwy 46, Ste 209, Parsippany, NJ 07054
(800) 467-8152 | info@ronaldgelok.com

Investment advisory services offered through Ronald Gelok & Associates, LLC, a FL, NJ Registered Investment Advisor.
Insurance products offered through Ronald Gelok & Associates, Inc., a FL, NJ Licensed Insurance Producer.
Privacy Policy

FREQUENTLY ASKED QUESTIONS

Your questions answered

What is a fiduciary?

A fiduciary is someone who is legally obligated to act in your best interest and be able to prove it in a court of law. Securities-licensed advisors at Ronald Gelok & Associates are fiduciaries.  

Do I have to pay for our first meeting?

No. We believe everyone should get to know their advisor before they do business. You need to understand what we do and how it could benefit you first. Bring your financial questions with you to your first free session and determine for yourself if an advisor from RGA would be a good fit for you.  

How does RGA get paid?

Investment advisory services, accounting services, and legal services are fee based. Anything related to insurance (ie – life or health insurance) is commission based.    

I have no idea how much money I should be spending now so that I don’t have an income shortfall later. Can RGA help with that?

Yes! Retirement income planning can be complicated. Too many retirees run out of money before they run out of breath.   

I have an elderly parent whose health is going downhill. I’m seeing firsthand how expensive it can get. What if that happens to me? I want to know what to do, but I don’t want to spend thousands of dollars a year on expensive long-term care insurance. Are there other ways to deal with this that make more sense?

Yes, there definitely is. This is an area where what you don’t know can cost you big time. We’ll give you all the facts.  

Why should I work with you over my current advisor or myself?

You could go it alone or stick with an advisor you’re used to, or you can choose to work with an RGA advisor who prioritizes tax-advantaged, tax-deferred, and tax-free ways of growing and saving your money.  

Do I have to come to the office?

No. We offer virtual meetings via zoom or telephone meetings. However, in-person meetings are available and follow the social distancing guidelines to ensure your safety.  

How do I know you’re acting in my best interest rather than being motivated by commission?

When it comes to investment advice we are bound by the fiduciary standard – we are legally obligated to act in your best interest! When a client is interested in purchasing insurance, we help them determine which option they feel is best for them. We believe clients should fully understand the choices available to them.   

I have money that is in different types of accounts: IRAs and 401k, bank and brokerage accounts, etc… I don’t know the best order to access these funds. Is that something RGA knows how to do?

Absolutely. Looking through the fine details and sorting through the variables is  a big part of what RGA does. We help make clear what order you should spend what money to keep my taxes as low as possible.    

Why should I deal with all this now?

Some problems left unaddressed only get worse with time. For example, you may have a gut feeling that you’re taking on too much risk in your portfolio but decide to do nothing. Then we hit a bear market and you wish you had fixed the problem sooner. We know that over time little problems turn into big problems. At RGA, we believe in “results-in-advance” planning so you can avoid a negative outcome.  

YOU DESERVE BETTER

At RGA, we know you want to be financially free. To get there you need a smart plan that covers all areas of your financial life. The problem is a cookie-cutter plan from the average advisor is not truly customized to your unique situation. You deserve better. We understand that going through financial details and complexities can feel daunting. That’s why we do it for you by using a multidisciplinary team approach to financial planning. At RGA, we give every client concierge-level access to in-house tax attorneys, accountants, financial advisors, and licensed insurance professionals. Our team creates a 5 Pillar Financial Blueprint that includes tax reduction, portfolio stress-testing, investment coaching, retirement income road-mapping, and specialized estate planning. So book an appointment to stop worrying and start taking control of your future.

ACHIEVE YOUR DREAM RETIREMENT WITH RGA

01

Book your free
Strategy Session

02

Receive your
customized plan

03

Enjoy retirement
on your terms!

ACHIEVE YOUR DREAM RETIREMENT WITH RGA

01

Book your free
Strategy Session

02

Receive your
customized plan

03

Enjoy retirement
on your terms!

1415 Panther Lane, Naples, FL 34109
2001 US Hwy 46, Ste 209, Parsippany, NJ 07054
(800) 467-8152 | info@ronaldgelok.com

Investment advisory services offered through Ronald Gelok & Associates, LLC, a FL, NJ Registered Investment Advisor.
Insurance products offered through Ronald Gelok & Associates, Inc., a FL, NJ Licensed Insurance Producer.
Privacy Policy

You did it! Check your email for your free guide!

BETHANY J LONGFELLOW
Creative Director
862.207.3891
bethany@ronaldgelok.com

BETHANY J LONGFELLOW

Creative Director

862.207.3891

bethany@ronaldgelok.com

 

Bethany works remotely from her home in SW Missouri. With her Bachelor of Fine Arts focused in Design and Photography from Mason Gross School of the Arts at Rutgers University, Bethany assists creatively in RGA’s marketing department with graphic design, videography, and photography.

Bethany has 20+ years of riding, training, and managing horses and horse stables. When she’s not working, you can usually find her hanging out with her two horses, Sassy & Jax, and her two hounds, Banjo & Heidi.

Email Sent!

TAMMIE BARONE
Director of Client Services
862.207.3841
tamara@ronaldgelok.com

TAMMIE BARONE

Director of Client Services

862.207.3841

tamara@ronaldgelok.com

 

Prior to Tammie joining RGA, she worked in investment management with several investment firms, including MassMutual Financial and Northwestern Mutual. She has been working and assisting in investment and insurance services since 2002. She is a dedicated and valued asset to our team as Director of Client Services.

Born and raised in Morris County, Tammie currently resides in Essex County, where she enjoys any outdoor activities and volunteering with her dog Mackenzie at various senior centers.

Email Sent!

CHRISTIAN VIVAS
Vice President of Marketing Services
862.207.3851
christian@ronaldgelok.com

CHRISTIAN VIVAS

Vice President of Marketing Services

862.207.3851

christian@ronaldgelok.com

 

As the Vice President of Marketing Services, Christian’s primary duties are to oversee all marketing content and procedures while assisting with business development initiatives. Christian developed our Income Tax Reduction Analysis and spearheads the streamlining of back office procedures to include online web conferences, webinars, data management, and data analysis.

Christian received his Bachelors and Masters Degree from Rutgers University in 2007 and 2010 respectively. He also provides technical assistance within the office and is whom we rely on most when it comes to data management, analysis, and innovation to increase our ability to communicate with our clients in a manner that suits them best. He inspired our use of online video web conferences in order for us to engage our clients from the comfort of their homes, so that bad weather is no longer an issue when we need to communicate face to face.

Christian has been very fortunate in his life and has appeared on TV several times before as part of an instrumental performance ensemble. He has appeared on National Television performing in a scene of, ‘Odd Mom Out,’ and twice appeared as a performer on “The Daily Show” with Jon Stewart.

Christian is also very active as a Group Fitness Instructor across multiple gyms including the Meadowlands YMCA and Fitness Factory in Rockaway, NJ.

Email Sent!

ALINA ESTRIN
Executive Assistant to Brian Ginty
862.207.3868
alina@ronaldgelok.com

ALINA ESTRIN

Executive Assistant to Brian Ginty

862.207.3868

alina@ronaldgelok.com

 

Alina was born in Russia, so she is fluent in English and Russian. Prior to joining RGA, Alina worked for the NJ State after carrier with Lehman Brother. Additionally, Alina has a PhD in economics. As Executive Assistant to Brian Ginty, Alina prepares applications, reviews documents, and analyzes illustrations prior to Brian presenting them to our future clients.

Outside of RGA, Aline continues her many years a Yoga, Thai Chi, and Pilates instructor.

Email Sent!

CHRISSY BODEN
Director of ContentStrategy
862.207.3841
chrissy@ronaldgelok.com

CHRISSY BODEN

Director of ContentStrategy

862.207.3841

chrissy@ronaldgelok.com

 

Chrissy (Gelok) Boden is a New Jersey native who lives with her husband and two children. Chrissy works with the RGA team, assisting with marketing strategy and content. After earning her Bachelors at Messiah College (2012) and a Masters in Counselling from Eastern University (2014), Chrissy worked as a school counsellor and academic registrar. Now Chrissy is using her experience in counselling and educational leadership to support organizational communications at RGA in order to maximize client care and experience.

When not working, Chrissy's time is mostly spend in the company of her two highly active toddlers, along with family and friends. When she has time to herself, Chrissy loves reading books, riding bikes, discovering new music, and brewing good coffee.

Email Sent!

MICHELE DIDONATO
Executive Assistant to Susan Gelok-Cullen
862.207.3805
michele@ronaldgelok.com

MICHELE DIDONATO

Executive Assistant to Susan Gelok-Cullen

862.207.3805

michele@ronaldgelok.com

 

Michele is the Executive Assistant to Susan Gelok-Cullen. Michele manages Susan’s calendar and assists with client services in the RGA Florida branch. Michele has previously worked as an Executive Assistant in some of Philadelphia’s top hospitals and Universities.

Michele has recently moved to Naples, Florida. In her spare time, she enjoys going to the beach, attending concerts, and spending time with her family, especially her dog, Tucker!

Email Sent!

BRIAN T GINTY, CSSC
Financial Advisor & Sertified Structured Settlement Consultant
862.207.3843
brian@ronaldgelok.com

BRIAN T GINTY, CSSC

Financial Advisor & Sertified Structured Settlement Consultant

862.207.3843

brian@ronaldgelok.com

 

Brian was a Senior Vice President for The Halpern Group, a company which facilitated the establishment of trusts for plaintiffs in personal injury disputes. In addition to The Halpern Group, Brian has held senior management positions both at AIG Domestic Life Companies and Prudential Financial. He was also National Sales Director and Senior Vice President of Corporate Development at two of the largest structured settlement brokerage firms.

During his career, Brian has successfully negotiated more than 1000 cases throughout the United States and Canada.  He has been a leader in integrating trust and other financial vehicles to provide comprehensive financial strategies for tort victims. 

Brian is a regular speaker at legal seminars and meetings including the American Association for Justice, the North Carolina Association for Justice and the New Jersey Association for Justice.

Brian is a veteran of the United States Navy where he served as a cryptologist in Misawa. Japan.  During his three years in Japan, Brian played for the base soccer team as well as coached the high school team.  He also taught English and attended the University of Maryland, Far East Division.  He graduated magna cum laude with a dual major in Business Management and Psychology.  Upon his discharge Brian enrolled in Rutgers Graduate School of Management while he began his career in the financial services industry. 

Email Sent!

SUSAN GELOK-CULLEN
Registered Financial Consultant
239.591.6215
susan@ronaldgelok.com

SUSAN GELOK-CULLEN

Registered Financial Consultant

239.591.6215

susan@ronaldgelok.com

 

Susan brings a wealth of experience and knowledge to her role as an experienced Registered Financial Consultant & Retirement Income Planner for RGA. She is licensed by the Florida Department of Financial Services for Life and Health Insurance. She is a Registered Financial Consultant and one of less than 200 women in the United States to have earned the National Social Security Advisor Certificate.

Whether it’s planning for retirement or college expenses, maximizing income, reducing taxes or assisting with long-term care needs, helping people is one of Susan’s passions. Susan is known for her creativity, strategic planning and individualized approach.

Susan holds a Bachelor of Science in Human Service Management and is a best selling author and Radio Personality. She is licensed in multiple states and has been in Naples for over 10 years!

Email Sent!

THOMAS J SMITH, MBA, JD, LLM
Director of Tax Reduction Planning
862.207.3846
tom@ronaldgelok.com

THOMAS J SMITH, MBA, JD, LLM

Director of Tax Reduction Planning

862.207.3846

tom@ronaldgelok.com

 

Bio coming soon.

Email Sent!

MORGAN KELLY CURRAN
Director of Operations
862.207.3808
morgan@ronaldgelok.com

MORGAN KELLY CURRAN

Director of Operations

862.207.3808

morgan@ronaldgelok.com

 

As the Director of Operations, Morgan is involved in every aspect of RGA. Morgan’s primary role is working alongside the Operations Team and the Advisory Team to ensure maximum productivity and efficiency is achieved. Morgan also manages the hiring and training of new employees. Her main objective is for RGA to provide the ultimate client concierge experience. Morgan is an invaluable asset with over seven years’ experience within the financial services industry.

When Morgan is not busy working, she enjoys spending time with her family, seeing shows, and traveling. Morgan is a lover of meditation, 50s, 60s & 70s music, cappuccino, hiking and fine wine.

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THE 3 BIGGEST SECRETS OF TAX-ADVANTAGED RETIREMENT

THE 3 BIGGEST SECRETS OF TAX-ADVANTAGED RETIREMENT

You may be surprised how easy it is to achieve a tax-advantaged retirement. Learn how to reduce your retirement taxes and increase your income in retirement by downloading our free PDF guide: The 3 Biggest Secrets of Tax-Advantaged Retirement. .

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