Subject: Stock Of The Month - GTAX

From: [email-masked]
Date: Tue, 28 Nov 00 03:37:49 Eastern Standard Time

Attn. Stock Market Investors:

Welcome to the InvestmentGenies Monthly Stock Pick, At InvestmentGenie we're constantly looking at and reviewing opportunities we believe have the potential to provide investors with successful investment results. We always encourage members to do their own due diligence before investing.

We urge you to utilize your best resources to confirm our outlook for this under followed undervalued company. Here's what we've uncovered, and why we believe GTAX is a timely opportunity for investors.

Gilman & Ciocia (GTAX)

Gilman & Ciocia, Inc. (GTAX) is a leading, nationwide provider of one-stop financial shopping, including tax preparation, financial planning, estate planning and mortgage lending services. The company, headquartered in White Plains, New York, currently conducts its operations through 145 offices in 17 states. They have 650 registered representatives through its wholly owned broker-dealer subsidiaries. G+C serves more than 500,000 clients nationwide, primarily middle- and upper-income individuals, recently, G+C launched e1040.com a unique, easy-to-use Internet Website that allows taxpayers to complete tax returns online and also obtain professional advice.

Market Opportunity:

Tax Preparation

Tax preparation is a multimillion dollar business

Over 120 Million returns filed in 1998

56% prepared by an accountant or paid tax professional increase of 6% in the last 5 years

Electronic Filing gaining prevalence

Highly fragmented industry demand for one-stop shopping

Financial Services

600,000 registered representatives of securities broker dealers

Proliferation of E-trading, IRA/401K programs

U.S. household wealth has increased 400% over last 10 years

Up to 70% of U.S. households invest

Highly fragmented industry demand for one-stop shopping

Growth Strategy:

Gilman & Ciocias growth strategy is to expand its product offerings and customer base through acquisitions and internal growth. To date, the successful execution of this strategy has resulted in strong revenue and earnings growth. Revenue for fiscal year ended June 30, 2000 increased 78% to a record $89,578,494 from $50,443,406 reported for the same year ago period.

Strategic Acquisitions,
G+C has actively sought and continues to seek strategic alliances to meet the enormous and growing demand for one-stop financial shopping. The acquisition of profitable and established firms immediately adds to the overall client and revenue base while creating new opportunities to cross sell other value-added services, such as mutual funds, insurance products, managed money accounts, and retirement and estate plans.

Internal Growth,
G+C also established e1040.com, its online tax preparation and one-stop shopping service that will enable Company to benefit from the growth of e-finance.

Products & Services:

Tax Preparation

Tax return preparation services conducted live by 650 registered representatives in over 140 offices.

Online tax preparation and one-stop shopping service through which taxpayers can obtain both automated and humanly assisted service by phone or e-mail. They offer advice on how to reduce taxes as well as provides the following services:

Online tax return preparation services, including e-file and RAL (Refund Anticipation Loan) capabilities

Online IRS Instructions and Publications

Tax Forms, Instructions and Publications by fax

Quickie Tax Calculator

Financial Planning Services:

Securities Brokerage

Insurance

Mortgage Agency

Why Invest in Gilman & Ciocia:

Huge Market Potential
, Professional tax preparation, financial planning and mortgage lending is a multi-billion dollar industry in the midst of an industry consolidation driven by increasing demand for one-stop financial shopping and financial deregulation. Of the more than 120 million tax returns filed each year 56% are completed by professional tax return preparers.

Market Leader
, Gilman & Ciocia is a leading provider of one-stop financial shopping, including tax preparation, financial planning, life insurance and mortgage lending services. The Company is growing through internal growth and acquisitions of profitable financial service businesses and through e-commerce.

Strong Growth
, Revenue growth outperformed the industry sector during the last few years, increasing approximately 50% during FY1998 , 77% during FY1999 and 78% during FY2000.

Why hasn't the stock trading higher? Well the biggest factor is that the stock is UNDERFOLLOWED. (And by the way, it has been a bit of a lousy market these days in the event you've missed it.) GTAX has held up very, very well throughout the market's latest slide, however.

For additional Information on Gilman & Ciocia or to request an investor packet, call 516-774-7300 and leave your name and address and well be sure to contact you right away.

Happy Trading,

http://195.200.193.83/investmentgenie/

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shareholders for promotional or public relations services. The editor or the editors affiliates, agents and /or family members may have interests or positions in equity securities of the companies reviewed in this publication, some or all of which may have been acquired prior to the dissemination of the information, and may increase or decrease its position at any time. InvestmentGenie will be contracted as a consultant for one year to all featured companies. Investing in micro-cap and growth securities is highly speculative and carries an extremely high degree of risk. It is possible that an investor's investment may be lost or impaired due to the speculative nature of the companies profiled. InvestmentGenie is currently in negotiations for a $3,000 monthly retainer as well as GTAX warrants. As of Profiling date 11/1/00 has received no compensation at all.