Personal Insurance Plan
Auto • Home • Umbrella
684 Whitehead Road, Lawrenceville, NJ 08648
Phone: 609-695-1496 | Toll Free: 888-426-3352
info@thegandelmanagency.com
Protecting you and your family is our business
With over 70 years in business, we offer the most competitive coverage from the best carriers.
Benefits of Partnering with The Gandelman Agency:
- Dedicated team of licensed professionals located in New Jersey.
- Quotes, ID Cards, Policy Changes and Evidence of Insurance provided within 24 hours.
- 24/7 Claim Services
- We offer several payment options and can process payments.
- Annual Policy Reviews
Plan Highlights
- Discounts for Association Members
- Multi-Policy Discounts
- Loss Free Discounts
- Service Line
- Water Backup/Sump Pump Coverage
- Jewelry and Fine Arts
- Disappearing Deductible
- Roof and Siding Matching
- Seasonal Homes
- Identity Theft
Ready for a no-obligation quote?
Send us an email, or if you prefer, simply call our office and speak to one of our agents!
Wealth Management
4 Tower Bridge 200 • Barr Harbor Drive, West Conshohocken, PA 19428
610-832-5292 | Toll Free: 800-883-1212
bmcgrath@boenninginc.com
Private Client Group
Member FINRA/SIPC
Weath Management and Service Offerings for all Members, Households and Referrals
(Preferential Service, Pricing, Products and Wealth Planning Protocols)
Institutional - NJAOPS
Planning
- Investment Policy Guidelines (IPG)
- Risk Tolerance
- Cash Flow Analysis
- Future Needs Analysis
- Asset Allocation Models
- Fiduciary Responsibility
Fee-Based Advisory Platform
- Asset Advisor
- Institutional Universe of Money Managers
- No Commissions (one fee)
- Industry leading research on individual stocks and bonds, extensive due diligence on leading fund managers
Portfolio Management
- Formalized Portfolio and Performance Review
- Quarterly Reports (personal consultation and interaction)
- Individual portfolio attention and monitoring
- Cash and Operating Funds Strategy
Service Model
- Direct line access to talent pool at site of Wealth Management – Wealth Advisor/Associate Advisors/Client Resource Team
- Personalized Cash Management and Operational Access
- 24-hour On-Line Access
- Check Writing
Associates and Household Members of NJAOPS
Planning (all planning modalities free of charge)
- Financial Planning Modalities
- Asset Allocation Stategies
- College Planning
- Cash Flow Analysis
- Retirement Planning
- Estate Planning
Fee-Based Advisory Platform (institutional fees)
- Asset Advisor
- Institutional Universe of Money Managers
- No Commissions (one fee)
- Industry leading research on individual stocks and bonds, extensive due diligence on leading fund managers
Portfolio Management
- Formalized Portfolio and Performance Review
- Quarterly Reports (personal consultation and interactions)
- Individual portfolio attention and monitoring
Service Model
- Direct line access to talent pool at site of Wealth and Portfolio Management – Wealth Advisor/Associate Advisors/Client Resource Team
- Personalized Cash Management and Operational Access
- 24-hour on On-line Access
- Check Writing
If we can help you in any way please do not hesitate to contact us.
We assure you the same attention, courtesy and professionalism that we offer your parent organization in the management of their institutional funds.
(610) 832-5292 or (800) 883-1212
Home Financing
350 Main Road, Suite 203 • Montville, NJ 07045
Office: (973) 521-8345 | Cell: (201) 286-3386
marc.demetriou@rate.com
$1,440
CLOSING COST CREDIT*
When you finance your home with Marc Demetriou
As a member of New Jersey Association of Osteopathic Physicians and Surgeons, Guaranteed Rate is dedicated to offering you a low priced mortgage, along with top-notch customer service and perks not available to the average customer.
Visit rate.com/NJAOPS for more information and take advantage of:
- Competitively low rates
- Closing cost credit*
- A fast, seamless and digital mortgage experience
*Credit valid through Marc Demetriou for applications submitted after 01/17/2022 and prior to 01/17/2023. Coupon/Credit must be presented/mention at time of application. $1,440 credit will be applied at time of closing and is factored into the rate and APR. Lender credit cannot exceed 5% of total closing costs. Applicant subject to credit approval. If loan does not close for any reason, costs will not be refunded. This offer and/or receipt of application does not represent an approval for financing or interest rate guarantee. This coupon cannot be redeemed for cash/has no cash value. Restrictions may apply, contact Guaranteed Rate for current rates or more information.
Let’s get started!
Marc Demetriou
SVP of Mortgage Lending/Branch Manager
Office: (973) 521-8345 | Cell: (201) 286-3386
Rate.com/marcdemetriou
marc.demetriou@rate.com
LICENSED IN ALL 50 STATES
NMLS ID: 111118, MN - MN-MLO-111118, MO - MO-111118, MS - 111118, MT - 111118, NC - I-183413, AK - AK111118, AL - Licensed, AR - 121177, AZ - 1017281, ND - NDMLO111118, NE - Licensed, NH - Licensed, NJ - 516426, NM - Licensed, NV - 70417, CA - CA-DBO111118, NY - Licensed, OH - MLO-OH.111118, OK - MLO23120, OR - Licensed, PA - 40719, RI - Licensed, CO - 100521136, CT - LO-111118, DC - MLO111118, DE - MLO-111118, SC - MLO - 111118, SD - MLO.11125, TN - 234385, FL - LO16461, GA - 59849, TX - Licensed, UT - 12139412, VA - MLO-44562VA, VT - VT111118, HI - HI-111118, IA - 42039, ID - MLO-2080111118, IL - 031.0064902, WA - MLO-111118, WI - 111118, WV - LO-111118, WY - 100952, IN - 48744, KS - LO.0043208, KY - MC737616, LA - Licensed, MA - MLO111118, MD - 26-47847, ME - Licensed, MI - 111118
NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 21566 • AK - Lic#AK2611 • AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 • AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License #0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB2611 • FL - Lic# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #2866 • ME - Lic #SLM11302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC2611 • MI - Lic #FR0018846 & SR0018847 • MN - Lic #MN-MO-20526478 • MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 • MO - Guaranteed Rate Lic # 16-1744-A • MT - Lic# 2611 • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887 • NC - Lic #L-109803 • ND - Lic #MB101818 • OH - Lic #MB.0804160 & Lic #SM.501367 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # ML002651 • OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 • RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB • SC - Lic #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Licensed in TX: Licensed Mortgage Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • UT - Licensed in UT: Utah-DRE Mortgage Entity License #7495184 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #2611-1 & 0930 MB & 6100 • VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV - Lic #ML-30469 & MB-30098 • WY - Lic#2247
Consulting
Life & Disability Insurance • Long Term Care Planning
Employee & Executive Benefits
Ed Gaelick, CLU, ChFC
Office: (201) 445-5013
ed@psi-consultants.com
The New Jersey Association of Osteopathic Physicians and Surgeons (NJAOPS) has a long history of providing high quality education and resources to benefit our members as clinicians, as well as professionals. It is in this spirit that I would like to introduce you to Ed Gaelick, CLU, ChFC who has been a member, invaluable resource and devoted friend to our organization for many years.
Practicing Physicians
Ed founded PSI Consultants, LLC in 1985 and helps people, many physicians, protect themselves, their families, their assets, their businesses and their employees. He specializes in
- Life Insurance
- Disability Insurance
- Long Term Care planning
- Employee and Executive benefits
Many of us are so focused on our own practices and patients, we may overlook reviewing our own planning. Parallel to a patient not having an annual physical. Ed can help you with a courtesy review of your existing policies to ensure they are and will continue to perform as originally expected.
Resident Members
Residents have always had difficulty buying disability insurance because their incomes haven’t yet reflected their schooling, time, effort and profession. Good news! Ed can help you overcome this obstacle with a program that has …
- Simplified Underwriting: No Exams! No Blood! No Urine!
- No Income Verification!
- Permanent Discounts!
- Substantial Benefit Amounts!
We are very excited to team up with Ed Gaelick and his team at PSI Consultants, LLC and we hope that you can take advantage of this unbelievable member benefit!
NJAOPS is invested in your success and I am happy to support that effort.
Ed Gaelick, CLU, ChFC
Office: 201-445-5013
ed@psi-consultants.com
