Gary Ratay

Insurance Advisor

Gary and his wife Julie live in Palm City with their two adorable Jack Russell Terriers, Honey and Cooper. Most days you will find the 4 of them taking long walks and golf cart rides at Canopy Creek. Gary and Julie have been married for over 20 years. in 2021, they made the decission to move from St. Augustine to Palm City to enjoy the Martin County lifestyle. 

Hobbies include:

  • Traveling, and spending time with friends and family. 
  • Working out at Crunch Fitness and participating in martial arts at KC Chung Tae Kwon Do. 


Gary is persuing a second career as an Insurance Associate at Investment Planning Group.  He recently retired from a 32-year career as Sales Director for Reynolds Consumer Products, the manufacturer of Reynolds Wrap Aluminum Foil. Gary's long tenure in a position of leadership has taught him the importance of listening to his clients, and presenting them with appropriate solutions.   



Florida Department of Financial Service

  • Health, Life, and Variable Annuity Insurance License (215)


  • Masters in Business Administration - Nichols College
  • Bachelors of Science, Marketing - Southern Illinois University

Areas of Focus

  • Legacy Planning
  • Buy / Sell Partnership Planning
  • Executive Compensation and Benefit Strategies
  • Estate Planning Strategies
Phone 772-233-4315
Fax 772-233-4316