EXHIBIT 99.1
                      CERTIFICATION PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly Report on Form 10-Q of Gilman + Ciocia,
Inc. (the "Company") for the fiscal quarter ended September 30, 2002 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, Michael P. Ryan, Chief Executive Officer of the Company, certify, pursuant to
section 906 of the Sarbanes-Oxley Act of 2002, that:


     (1) the Report fully complies with the requirements of Section 13(a) or
         15(d) of the Securities Exchange Act of 1934; and

     (2) the information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Company.

A signed original of this written statement required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.



By:   /s/ Michael P. Ryan
      -----------------------------
Name: Michael P. Ryan
      ----------------------------
Chief Executive Officer
July 3, 2003