RONALD A. GELOK, JD is the President of Ronald Gelok & Associates, A Registered Investment Advisory firm with offices in New Jersey and Florida. He has been seen on CBS, NBC, ABC and FOX television. Ronald is known for making complex retirement planning issues clear and easy to understand. Ronald has a Sunday morning radio show on WABC in Manhattan and is also featured weekly on The Financial Safari television show. Ronald has been featured in USA Today has been recognized in the Wall Street Journal. Ronald is active in several nonprofit organizations. Ronald enjoys spending his free time outdoors with his wife and four children.THOMAS J. SMITH, MBA, JD, LL.M, Is a well know attorney with extensive knowledge of estate planning and investments. Thomas earned his Master of Laws (LL.M) degree in taxation from the Georgetown University Law Center and his Juris Doctorate from the Seton Hall University School of Law. While completing an M.B.A in finance, Thomas worked in the private client department of one of the premier investment banking firms in the country. Thomas is a member of Beta Gamma Sigma and The Federal Society. He is also an avid fly fisherman and an active member of Trout Unlimited.

• INTRODUCTION Who Needs Retirement, Estate, and Tax Planning? Taxing Times Dodging the Bullets Could Your Spouse Weather the Worst? (Almost) Everything You Need to Know about IRAs Get Off the Roller Coaster Millennial Money Smarts: The New Look of Annuities In-Laws, Outlaws, and Predatory Taxes Must-Have Estate-Planning Documents Avoiding Scams, Scam Artists, and Identity Th eft Are You Being Served?

RONALD A. GELOK, JD is the President of Ronald Gelok & Associates, A Registered Investment Advisory firm with offices in New Jersey and Florida. He has been seen on CBS, NBC, ABC and FOX television. Ronald is known for making complex retirement planning issues clear and easy to understand. Ronald has a Sunday morning radio show on WABC in Manhattan and is also featured weekly on The Financial Safari television show. Ronald has been featured in USA Today has been recognized in the Wall Street Journal. Ronald is active in several nonprofit organizations. Ronald enjoys spending his free time outdoors with his wife and four children.THOMAS J. SMITH, MBA, JD, LL.M, Is a well know attorney with extensive knowledge of estate planning and investments. Thomas earned his Master of Laws (LL.M) degree in taxation from the Georgetown University Law Center and his Juris Doctorate from the Seton Hall University School of Law. While completing an M.B.A in finance, Thomas worked in the private client department of one of the premier investment banking firms in the country. Thomas is a member of Beta Gamma Sigma and The Federal Society. He is also an avid fly fisherman and an active member of Trout Unlimited.

• INTRODUCTION Who Needs Retirement, Estate, and Tax Planning? Taxing Times Dodging the Bullets Could Your Spouse Weather the Worst? (Almost) Everything You Need to Know about IRAs Get Off the Roller Coaster Millennial Money Smarts: The New Look of Annuities In-Laws, Outlaws, and Predatory Taxes Must-Have Estate-Planning Documents Avoiding Scams, Scam Artists, and Identity Th eft Are You Being Served?

RONALD A. GELOK, JD is the President of Ronald Gelok & Associates, A Registered Investment Advisory firm with offices in New Jersey and Florida. He has been seen on CBS, NBC, ABC and FOX television. Ronald is known for making complex retirement planning issues clear and easy to understand. Ronald has a Sunday morning radio show on WABC in Manhattan and is also featured weekly on The Financial Safari television show. Ronald has been featured in USA Today has been recognized in the Wall Street Journal. Ronald is active in several nonprofit organizations. Ronald enjoys spending his free time outdoors with his wife and four children.THOMAS J. SMITH, MBA, JD, LL.M, Is a well know attorney with extensive knowledge of estate planning and investments. Thomas earned his Master of Laws (LL.M) degree in taxation from the Georgetown University Law Center and his Juris Doctorate from the Seton Hall University School of Law. While completing an M.B.A in finance, Thomas worked in the private client department of one of the premier investment banking firms in the country. Thomas is a member of Beta Gamma Sigma and The Federal Society. He is also an avid fly fisherman and an active member of Trout Unlimited.

• INTRODUCTION Who Needs Retirement, Estate, and Tax Planning? Taxing Times Dodging the Bullets Could Your Spouse Weather the Worst? (Almost) Everything You Need to Know about IRAs Get Off the Roller Coaster Millennial Money Smarts: The New Look of Annuities In-Laws, Outlaws, and Predatory Taxes Must-Have Estate-Planning Documents Avoiding Scams, Scam Artists, and Identity Th eft Are You Being Served?