Strength, clarity, and partnership designed to stand the test of time

Fortis Lux Financial Taylor Nussbaum is a financial services representative with deep expertise in two specialized areas:  guiding athletes and serving high-earning professionals navigating complex investment environments. He works closely with athletes in the NIL (Name, Image & Likeness) and NBA space, helping them manage contracts, endorsements, cash flow, and long-term wealth strategies tailored to meet the realities of professional sports careers.

In addition to his work with athletes, Taylor focuses on tax strategies and comprehensive financial services for professionals. His approach emphasizes tax efficiency, income structuring, and wealth preservation within sophisticated compensation and investment frameworks. Taylor believes that planning for the future starts with clarity, discipline, and anticipation rather than reaction. He takes a proactive, detail-oriented approach to every engagement, staying closely involved to assist in decisions and long-term strategies so clients feel informed, confident, and prepared at every stage. Known for his thoroughness and responsiveness, he works to identify opportunities early, help them manage risk thoughtfully, and build strategies that evolve as careers and lives change.

Above all, Taylor is committed to being a steady, trusted guide to his clients, helping them protect what they have built and make thoughtful decisions about what comes next. His goal is simple: to deliver sophisticated guidance with care, integrity, and a long-term perspective.

CA Insurance License # 4158808.

Erick graduated from Eastern Connecticut State University with a bachelor's degree and a concentration in Digital Marketing. As a Digital Marketing Specialist at Fortis, he partners with financial advisors to create engaging digital content, strengthen their online presence, and support marketing initiatives that help grow their businesses. He is passionate about video editing, content creation, and building strong, recognizable brands through effective marketing strategies.

Outside of work, Erick enjoys staying active through fitness, playing basketball and golf, and following college basketball, the NFL, and UFC. He also enjoys grilling with family and friends, playing chess and pool, and looks forward to connecting with others and helping them achieve their marketing goals.

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Mikhail Mikhail is an Investment Advisor Representative with Fortis Lux Financial, bringing more than 30 years of experience across sales, banking, and financial services. He began his career with Xerox in 1992 before transitioning into banking, where he held both operational and managerial roles at four financial institutions across three countries, gaining a valuable international perspective and a broad understanding of how financial systems operate across different markets and cultures.

Since 2016, Mikhail has focused on helping individuals and families protect and build their financial futures through thoughtful insurance and financial strategies. Drawing on his background in banking and operations, he approaches these matters with both a strategic and practical mindset, helping clients think through complex financial decisions with clarity and confidence.

He previously served as a Partner at New York Life and is known for his client-focused approach, integrity, and commitment to long-term financial security. Mikhail places a strong emphasis on building lasting relationships with the individuals and families he works with, taking the time to understand their priorities, values, and long-term goals and incorporating those considerations into financial strategies over time.

Throughout his career, he has developed a reputation for being thoughtful, steady, and detail-oriented in his work, qualities that allow him to guide clients through both opportunities and challenges with care and consistency. Outside of his professional work, Mikhail remains actively involved in his church and local community.

Aryan Hegde is a financial services representative who supports athletes and high earning professionals with complex financial strategies. He works closely with collegiate and professional athletes, helping them navigate variable income, manage cash flow, and consider long-term financial strategies shaped by the unique rhythms of a sports career. Aryan brings a thoughtful, analytical perspective to his work, helping build clear financial frameworks that support informed decision making with perspective allowing clients to approach important financial decisions with confidence and perspective.

He also works with professionals who have sophisticated tax and compensation structures, focusing on efficiency, risk awareness, and the long-term preservation of wealth. Aryan’s approach emphasizes careful analysis and disciplined thinking, helping clients understand the mechanics behind their financial strategies and how different decisions may influence long-term outcomes.

Aryan believes thoughtful financial strategies are built through steady, well considered decisions over time. He approaches his work with a strong sense of responsibility to the individuals and families he serves and strives to be a trusted professional as they navigate important financial choices. His goal is to help clients better understand their financial landscape, take steps to help protect what they have built, and move forward with greater clarity and purpose.

CA Insurance License No. 4376227

Victor Vyas serves as Executive Vice President at Fortis, bringing more than 25 years of experience in the financial services industry. A Certified Financial Planner™ professional, Victor has built a distinguished career advising high-net-worth individuals and leading top-performing advisory teams, earning recognition for both his production and leadership throughout his tenure in the industry.

Prior to joining Fortis, Victor held leadership positions at Bridge Financial Group, a Metlife Office, for over a decade, where he successfully expanded advisory teams across multiple offices and played a key role in driving organizational growth. His leadership achievements include numerous conference qualifications, elite industry honors, and recognition as Agency Sales Director of the Year in 2010.

Victor’s expertise includes estate planning, wealth management, retirement planning, and advanced insurance strategies. Known for his commitment to mentorship, excellence, and long-term growth, he is passionate about helping advisors and clients navigate complex financial decisions with confidence and clarity.

CA Insurance License # 0F81718

Karmen Lai serves as Chief Operating Officer of Fortis Lux Financial, where she leads firm-wide operations, marketing strategy, and strategic initiatives to drive scalable growth and operational efficiency across the organization.

Prior to rejoining Fortis Lux, Karmen was an Executive Operations Specialist at Meta, where she supported senior executives across multiple functions, including North America Litigation, Reality Labs Legal, Monetization Legal, and eDiscovery & Information Governance. She focused on optimizing complex workflows, leveraging AI-driven solutions, and improving organizational efficiency at scale. Her experience in a fast-paced, technology-driven environment continues to shape her approach to modernizing operations.

Karmen began her career at Fortis Lux and progressed into a leadership role overseeing the firm’s marketing function, as well as key business initiatives and cross-functional projects. She partnered closely with C-level leadership and teams across the organization to align priorities, drive decision-making, and execute high-impact initiatives.

Known for turning strategy into execution, Karmen leads complex, cross-functional initiatives, delivers data-driven insights to inform executive decisions, and builds scalable systems that improve operational effectiveness. With over a decade of experience in financial services, she specializes in integrating technology, streamlining processes, and developing infrastructure that enables advisors to operate more efficiently while enhancing the client experience.

At Fortis Lux Financial, Karmen is focused on keeping the firm at the forefront of innovation by driving the early adoption of emerging technologies, integrating AI-driven solutions, and continuously optimizing systems and workflows to support a more efficient, advisor-centric platform.

Lori Epstein, president of Lori Epstein Consulting Group, is a well-respected attorney and expert in sophisticated estate, business and retirement case design. Ms. Epstein has a very impressive resume, including her current position providing invaluable case design, training and marketing support to Fortis Lux Financial. Lori focuses much of her energy on planning for non-traditional couples, families with a child or dependent with special needs and planning for women and small businesses.

Before Lori’s most recent corporate position as Vice President of MassMutual’s Advanced Markets and Financial Planning organizations, she held significant positions related to estate, business and financial planning for more than 20 years at MetLife. She was instrumental in attracting more advisors to the practice of Financial Planning, providing the critical training and support necessary for them to be more productive.

Prior to joining MetLife, Lori maintained a private law practice in Manhattan concentrating on estate and business planning, elder law and real estate. She is a member of the Estates, Trusts and Surrogates Court Practice and Women in the Law sections of the NYSBA and the New York County Lawyers Association, as well as the Association for Advanced Life Underwriting (AALU) Business Insurance and Estate Planning and Membership Committees.

Ms. Epstein serves on the Board of Directors of the Women’s Venture Fund and in 2014, was a recipient of the Fund’s Highest Leaf Award which honors women whose business or professional contributions have significantly impacted their industry. She has also received the Women on the Move award from The Arthritis Foundation which honors women of achievement who are role models in their professional, philanthropic or individual endeavors.

Lori is a sought after speaker on such topics as estate planning, planning for same sex couples and individuals with special needs, as well as helping women plan for a secure financial future. She has been a featured speaker at numerous national events including Women Business Enterprise National Council (WBENC), National Association of Women Business Owners (NAWBO), Women in Insurance Financial Services (WIFS), Wine, Women and Wall Street and MetLife’s Women’s Sales Forum. Lori is a proud member of Toastmasters International, SEC Roughriders Club of NYC.

Bill Horan and his team are dedicated to delivering world-class service and experiences to their clients. Bill believes that creating the best plan starts with vision and clarity of goals and a shared commitment to implementing the proper strategies. This goes beyond the numbers by knowing our clients financial goals, and core values.

Before joining Fortis Lux as a Team Leader and Long-Term Care Specialist, he spent time working alongside of some top financial planners in wealth management. There he learned unique financial planning strategies used by high net worth families and businesses.

Bill entered the financial service industry as a Long-Term Care Insurance Specialist in 1997 with John Hancock Financial Services. As a specialist, he was ranked in the top 5% of LTC Producers nationally and was asked to speak at several training events. Later on, he was promoted to management, led many teams and eventually managed firms that held over 100 advisors.

In his personal time, he has been a Director of local Lions Club and the Northeast Association for the Blind (NABA). Bill resides in Rockville Centre, NY with his wife Jillian and three kids. As a family they enjoy traveling, skiing, golfing and relaxing at the beach.

William Fischer has been in the financial services industry since 2003. His mission is to help individuals and families determine the right financial strategies that also fit their personal values, goals and passions. William’s process is simple and will never make you feel embarrassed about your financial knowledge. His primary strategy is to educate and never alienate. He specializes in giving his clients a better understanding as to where they are now in life, in relationship to the goals they have identified. Finally, he believes in a strong relationship with his clients that continue even after the financial strategy is implemented. His client’s strategies are fluid and ever changing. Due to this, he is always in contact with his clients to make sure the plan that is set in motion today is still working just as effectively tomorrow.

Prior to entering the financial services industry, William worked for 15 years in various capacities in the music entertainment industry. William is a 1988 graduate of the University of Massachusetts; Lowell with a BS in Mathematics. He became a Certified Financial Planner® Professional in 2011. Presently he lives in Queens, NY with his wife Tess, and their menagerie of various rescue pets. He also enjoys reading non-fiction, exploring new culinary adventures, learning Spanish and doing whatever his wife says.

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Tony Wong wears many hats at Fortis Lux. As Chief Information Officer he oversees all technology for the growing firm. He also grows his individual financial planning practice. Lastly, he trains and manages a team of financial professionals. “I love what I do, and so it doesn’t ever feel like work,” he says. “Being able to contribute to this firm, to my team, and to people’s lives truly makes me happy,” he adds.

Though he’s originally from Hong Kong, Tony grew up and has lived in New York for almost his entire life. As a child, he aspired to be in law enforcement, and joined the US military, hoping the experience would prepare him for a career as a police officer. Life would turn out slightly differently.

While serving in the first Gulf war, Tony was trained as a bio medical technology officer. Upon completing his tour of duty and leaving the military, he chose to pursue a degree in computer science, and later obtained his MBA. He was working as a director of IT, when he received a call that would change his life.

“I was recruited into this business – and I fell in love with it – because the idea of building my own practice while helping people get their financial lives in order really appealed to me,” he recalls. Tony joined a national financial planning firm in 2005, and never looked back. In 2012, he joined the team that would eventually be known as Fortis Lux.

As he found his place in the financial services world, Tony felt that he could be of value in many different ways. He helped build a unit that would reach out to an Asian clientele in New York City. He also helped develop a financial planning unit. He always stayed close to technology.

When he’s not at Fortis Lux, Tony can be found at his home in Long Island. He likes living close to the water, and chooses to unwind by fishing. He’s also held on to his dream of being in law enforcement: in his ‘free’ time, Tony works as a Commanding Officer in the town of Seaford auxiliary police unit for the Nassau County police department.

Tony earned his undergraduate degree in Computer Science from SUNY Empire State College. His MBA is from the University of Phoenix.

Tevin Hodge entered the financial industry in 2014 where he began his career as a Financial service representative. He finds his passion in helping others prepare for that next step in life, which isn’t always easy. Tevin’s combination of experience, professionalism and access to a wide variety of products and services help his clients meet their financial goals, estate strategies and insurance needs.

In 2017 Tevin joined Fortis Lux after 2 ½ years with Foresters Financial. Here at Fortis Lux Tevin is the coleader of a team of financial advisors that provide holistic financial needs analysis through a network of experienced professionals, with over 20 years of experience. Their expertise range from Investment Advisory services, Retirement analysis & programs, Estate strategies, Employee benefit & retention services, Business continuation strategies, and Trust services.

Tevin prides himself in creating long lasting relationships with his clients and educating as many people as he can along the way. His tranquil personality complements his ability to listen to the needs of his clients and truly provide the best of service throughout their lifetime.

Domiciled in NY.

Susan Davis has 18 years experience in the financial service industry. She began her career as a representative at MetLife in 2000 where she grew her practice and was promoted to Marketing and Training Director and back up to Compliance. During that time she completed all required courses through The American College to receive the following designations: CFP®, CLU and LUTCF.

Susan joined the Fortis Lux Financial team in 2013 as the Agency Supervisory Officer, where she helps ensure our financial professionals conduct their business in an ethical manner and in compliance with the regulations that apply to our business.

Susan holds her FINRA Series 6, 7, 63, 24, and 53 registrations as well as Life and Health Insurance and P & C insurance licenses. In addition, she is a graduate of Herbert H. Lehman College and lives with her family in Westchester County.

With 20 years of experience in the financial services industry, Sunita Bajaj is the Managing Partner for Fortis Lux Financial. She is a Registered Principal and responsible for over 100 financial professionals and advisors, along with her leadership team. She holds her securities licenses and is a Registered Principal.

Sunita started her career as an advisor and financial planner in 2002, and built long term relations with her clients, before she assumed a leadership role in 2008 as an Agency Sales Director. Sunita is dedicated to attracting talented and quality advisors who are committed to helping clients achieve their financial goals through a comprehensive approach to financial empowerment. She is committed to the growth of the financial professionals through practice acquisition and succession planning as well as by creating business development opportunities and strategic alliances through her extensive network and experience.

Sunita is a member of the Financial Planning Association (FPA), Women in Financial Services (WIFS), American Association of Life Underwriters (AALU).

Serving on the Board of Directors for the Manhattan Chamber of Commerce as an Executive VP for 12 years she has been engaged in the community through her volunteer work for various social and economic initiatives. Sunita was awarded the 2016 Corporate Social Responsibility Award by City & State Reports. She is also the NYC co-chair of the International Women’s Entrepreneurial Challenge (IWEC), an organization focused on providing a platform for women business owners, entrepreneurs and business leaders. Sunita has a Master of Arts in history. She resides in New York City and enjoys arts and culture, and Broadway Theatre. She likes spending time with family/friends and loves to travel.

As a financial advisor with Fortis Lux Financial, Steve empowers business owners by helping them to align their ‘personal’ and ‘business’ finances so that they can make well-informed decisions and ‘exit’ their business on their own terms---just as they always imagined.

The transition from active business ownership to retirement is a significant milestone that requires careful planning and strategic decision making. As a CPA*, CFP®, Steve is uniquely qualified to evaluate the finances of a business and the impact that they will have on the personal finances of the owner at retirement.

Steve earned his CPA* designation in 1984 and his CFP® (CERTIFIED FINANCIAL PLANNER®) certification in 1992. Steve’s CPA* background has provided him with the education and ‘hands-on’ experience of helping business owners in the areas of tax strategies and preparation, financial statement and cash-flow analysis, and budgeting. This prior experience is valuable when working with his current clients. As a CFP® professional, Steve provides financial planning services to his clients that can include, among other things, creating personalized plans for investments, retirement, insurance, and estate planning.

* Licensed but not practicing.

Stephen graduated from Pace Law School in 1985. He practiced law in the areas of Commercial Litigation and Business Planning.

He entered the Financial Services industry in 1988 and became a CERTIFIED FINANCIAL PLANNER™ practitioner in 1991. He was a founding partner of Hudson Wealth Advisors, an office of MetLife, whose focus was to help clients accumulate and preserve their wealth. In 2016, the MetLife Premier Client Group (MPCG) was acquired by MassMutual, and Hudson Wealth Advisors was merged into Fortis Lux Financial.

Stephen specializes in working with small businesses assisting them with their employee health and group benefits, as well as, retirement planning and financial planning. His extensive

experience in this field has resulted in an expertise with closely held companies and the planning associated with their owners and officers.

Stephen is a member and participates in a leadership role in NAIFA (National Association for Financial Advisors).

Stephen resides in Katonah, NY with his wife, Carrie and his three children, Brandon, Aaron and Leah.

* Licensed but not practicing.

Seth is a seasoned financial advisor with over 30 years of experience in the financial services industry. With a strong passion for helping his clients achieve their financial goals, Seth has become known as a trustworthy advisor to many individuals and businesses. He takes a personalized approach to financial planning, taking the time to understand his clients' unique circumstances and tailoring his advice to their specific needs. Seth's expertise spans a wide range of financial areas,including investments, retirement planning, tax-efficient strategies, and risk management. He is committed to providing his clients with customized planning strategies and helping them achieve financial security and the peace of mind of knowing that they are prepared for their future.

Seth received his BA in Accounting from Binghamton University and his MBA in Finance and Investments from Baruch College. He is licensed in Health and Life Insurance, maintains his Series 7, 63, 66 Licenses and earned the RICP Designation. He spent seven years as a Financial Services Professional counseling clients around financial protection, accumulation and distribution planning, and has an additional twenty-three years of prior experience as a Bond Market/Portfolio Manager.

With years of experience and certifications under his belt, what emerges from him naturally is an ability to coach. Listening to a client's needs and matching solutions that would be most useful, he is able to leverage his knowledge and experience to their advantage.

Married for nineteen years with two children, he enjoys spending time with his family. In addition, his hobbies include golf, cooking, traveling, home projects and exercise.

CRN202604-4263596

Sanjay Prasad has been a CERTIFIED FINANCIAL PLANNER® practitioner for twenty years, but has been working in the financial services industry for over thirty years. Sanjay services clients all along the East Coast, including FL, GA, NJ, NY, NM, TX. Although the consultative services he offers are not limited to a single business sector, his practice is mainly focused in the healthcare industry. He assists healthcare institutions and individual practices to integrate business planning with their personal financial planning by employing unique and complex customizable strategies.

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Business Planning
- Business evaluation and transition
- Comprehensive practice sales process

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Retirement Planning
- Customized qualified combination plans
- Non-qualified deferred compensation plans

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Wealth Planning
- Wealth Management Services
- Portfolio review with tax mitigation strategies

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Risk Management
- Asset protection strategies
- Advanced life insurance solutions for high net-worth individuals
- Disability Income and Long-Term Care insurance

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Estate Planning
- Generational wealth building and transfer
- Charitable giving using private foundations and charitable trusts

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Tax Planning Strategies
- Minimizing taxable income
- Tax harvesting investment strategies
- Deferring capital gains on real estate sales
- Deferring capital gains on the sale of a business

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Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters. Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters. CRN202605-4425965

Ronnie brings more than 20 years of extensive financial planning and investment experience to Hudson Wealth Advisors which in 2016, along with MetLife Premier Client Group, merged into Fortis Lux Financial.

Ronnie works with both individuals and families, as well as small businesses, to help them to achieve their financial objectives. Financial strategies are customized for all clients, taking into account the many factors that may affect one’s short and long-term financial goals. Areas of focus include asset management and portfolio building strategies, protection solutions as well as retirement planning.

Ronnie, her husband and 2 daughters reside on the Upper West Side in NYC.

Before entering the financial services industry Robert served and is a Veteran of the United States Air Force and is a graduate of John Jay College. Robert co-owned a small business named Hartford Orthotics, which in 2011 took part in its successful acquisition.

Robert joined the financial service industry in 2012 as a financial advisor with Wells Fargo Advisor. Robert works with professional athletes by educating his clients on how to manage their finances, and create and adhere to a Financial Strategy. He understands that pro athletes have high earning potential, which is challenged by a limited career length, high-end lifestyles, tax challenges, and a lack of financial literacy. Making the right decisions when working with a professional athlete requires a unique skill set that only a few professionals possess.

Robert serves as the chairman for the Manhattan Chamber of Commerce Young Professionals. He has been an active member of the local community for nearly 9 years.

Robert resides in Brooklyn, NY with his wife and son. He is currently involved with tutoring children away from the office. He also enjoys participating in ToughMudder competitions and marathons.

Domiciled in NY.

Robert Borkow is a seasoned Financial Services Professional with a demonstrated history of working in the finance industry, specializing in catering to the needs of affluent individuals such as highly compensated executives and business owners. His expertise lies in developing customized financial strategies that align with the unique requirements of high net worth individuals. Robert's approach is characterized by a deep commitment to understanding his clients' aspirations and delivering tailored solutions to help achieve their financial goals.

Joining the Fortis Lux Financial team in 2023, Robert operates out of the New York City, Midtown office. He skillfully balances his responsibilities between corporate clients and high net worth individuals, ensuring a personalized approach for each. His dedication to building enduring relationships is a testament to his client-first philosophy. Leveraging his profound knowledge, extensive experience, and access to world-class financial tools, Robert is adept at guiding his clients toward financial independence.

Robert's financial career was initiated at Northwestern Mutual, where he spent over six years focusing on protection solutions and retirement strategies. His clientele primarily includes professionals from the big four accounting firms, banking, consulting sectors, healthcare providers, IPO participants, and business owners. His comprehensive understanding of diverse financial portfolios is further reinforced by his possession of Series 6, 63, and Life & Health Insurance licenses.

An alumnus of Muhlenberg College, Robert was an active member of the NCAA college golf team, highlighting his commitment to excellence both academically and in extracurricular activities. Residing in Manhattan, he is an avid outdoor sports enthusiast, including big mountain ski mountaineering, tennis, and golf, often participating in tournaments. His love for travel reflects his appreciation for diverse cultures and experiences. Complementing his professional endeavors,Robert is also deeply involved in community charitable organizations, holding leadership roles that underscore his commitment to societal well-being.

Robert Borkow's blend of professional acumen, personal interests, and community involvement positions him as a distinguished Financial Services Professional, particularly for affluent clients seeking comprehensive and bespoke financial guidance.

Prior to joining Fortis Lux Financial, Reginald excelled in a variety of roles at HSBC over a 15 years banking career, which included a two-year overseas assignment with HSBC’s Consulting Group in Hong Kong, managing HSBC’s New York City flagship Premier Affluent Center to record sales results and starting the Affluent African American Segment targeting High Net Worth Individuals and Commercial Clients.

As the Head of Global Business Development with The Medici Group, Reginald continued to gain experience and knowledge. With this experience and over 15 years in the financial services industry, Reginald is committed in working with his clients to formulate strategies and help implement them to create generational wealth.

Reginald is a founding board member of the Haitian Roundtable; member of the Board of Directors of Valley Arts; and the Multicultural Committee of the Metropolitan Museum of Art.

Reginald holds a Bachelors of Arts in French and a Master in Business Administration in International Business from Binghamton University. Presently lives in Maplewood, NJ with his wife and two daughters. He enjoys culinary adventures, traveling and visiting art galleries.

Ralph Mizrahi is a dedicated financial services representative specializing in providing protection insurance strategies for his clients, including business owners. He graduated summa cum laude from Baruch College in 2015 with a Bachelor of Business Administration (BBA). Ralph has received comprehensive training in financial services through Fortis Lux, where he is currently enhancing his expertise under the mentorship of industry leaders Charles Dweck and Matt Delpriore.

In his early career, Ralph built a robust background in the consumer packaged goods (CPG) industry, collaborating with major brands including Skullcandy, Dr.Scholl's, iHome, and the legendary David Ortiz, also known as Big Papi.

Fluent in English, Hebrew, and Spanish, Ralph is committed to providing exceptional service to his clients. He is married and has two young children: a 17-month-old son and a 6-week-old daughter. Outside of his professional pursuits, Ralph enjoys spending quality time with his family, reading, playing sports, and organizing multi-million dollar fundraising events for local non-profits. His dedication to both his clients and his community underscores his commitment to excellence in all areas of his life.

Phil LaRusso began his journey as a financial representative with Voya Financial. Before this he received his bachelors in economics and finance from Penn State. He has since secured his licensure with insurance as well as securities in a handful of states across the country- opening up the breadth of who is able to help.

As the associate director of the financial planning department at Fortis Lux Financial, Philip views his current position as an opportunity to have a positive impact on his clients lives. Generous and affable, Phil was drawn to financial planning because he saw how it could be useful in properly assisting families in managing their financial needs. Taking the time to understand the client, the complexity of their lives and their financial goals, makes it possible for Phil to see a much larger picture. It is from this vantage he is then able to assess the details that contribute to the cultivation of comprehensive plans for his clients.

Phil works with individuals who are at the beginning of their financial journeys as well as those close to retirement. His focus with financial planning is to help his clients establish and build toward their financial goals. For those who are beginning or even established, as they learn about their financial footprint, there is room to build healthy habits that could have an impact not just for themselves, but for subsequent generations.

Phil is fond of spending time with family, traveling and being outdoors. Hiking, soccer and snowboarding are three outdoor activities he enjoys. He also enjoys watching and following sports.

Peter joined MetLife as an Account Representative in 1987.  He worked for MetLlife for 29 Years and transitioned to Fortis Lux Financial in 2016. He focuses on Employee Benefits, Business Insurance,  Pension Plans, and 401(k) & 403(b) Plans, as well as secondary coverages for Auto, Home & Liability.

Peter graduated from Brooklyn College with a BA in Economics 1983. He attended A. Fantis Parochial School in Brooklyn, NY for K-8th Grade. He was born and raised in Brooklyn, NY and now resides in Woodland Park, NJ with his wife Elizabeth V. Paizis and son Christos.

Peter joined Fenian Capital in 2019 to better serve his clients and provide comprehensive planning.  

• Past President of St. Andrew’s Greek Church, Randolph NJ (1989-1993)
• Past Chairman New York Archdiocese YAL (Young Adult League)  
• Past Board Member Three Hierarchs Greek Church, Brooklyn NY (1998-2004)
• Charter Member Greek Orthodox Archdiocese National Stewardship Committee
• Committee Member Boy Scouts of America Troop 23, Clifton, NJ
• Past President 2016 -2018 and now Board Member of St. Athanasios Greek Orthodox Church, Paramus NJ.
• Awards for Service to the Greek Orthodox Church, Greek Orthodox Archdiocese of America and Greek Orthodox Metropolis of New Jersey.
• Life Underwriter Training Council Fellow – Designee by National Association of Life Underwriters.

Pedro is an experienced financial services professional working with individual families, closely held businesses and professional athletes to secure their financial future. He has been in the field for over ten years, making his way to Fortis Lux Financial from New York Life. He has worked with clients to create and manage plans that offer appropriate options and protection strategies to help them build their wealth. Before his work at New York Life, he studied Business at NYU. He had a brief stint in real estate where he gained his license to practice. And originally, he started off as a stylist, making the rich and famous alike feel and look good. He was able to utilize one of his strengths- connecting with people, just as he did as a stylist.

When the market crashed in 2008, he was one of the first to witness how even the most financially successful individuals were rocked by its impact. Within the world of finance, he could make an even greater impression on people’s lives and in turn, the surrounding community he admired. While wealth accrual may be viewed by some as important, he saw that it was just as imperative to put practices in place to help preserve wealth. He believes that it is just as significant to set oneself up to make responsible choices financially. Pedro refers to himself as a serial networker- he loves building relationships. He also employs his knack for connecting with people by creating networking events. His workshops allow likeminded individuals to find one another, it builds bridges amongst those who ultimately help each other’s businesses grow.

Wanting to offer a broader range of services and a comprehensive protection strategy platform, he decided to join Fortis Lux as a Senior Vice President in 2019. Pedro’s goal is to help his clients make well-informed decisions on the types of protection strategies that are right for them. This is part of what brought him to the world of finance in the first place- he thoroughly enjoys having a positive influence on people by helping his clients thrive, accrue and preserve their wealth. Life can be spontaneous, which is why he emphasizes the importance of adjusting tactics as the client’s goals and needs change. This allows for a truly organic experience- those under his guidance learn to make the most appropriate choices for them in the current moment, while leveraging those choices for their future. Pedro understands that each approach will need to be as unique as the person he works alongside. They are not just clients to Pedro, they over time become friends and he sits firmly in their corner.

Pedro enjoys traveling and loves a good beach- he most recently vacationed to Cartagena, Columbia where he attended an elite family office conference. Being with his family is as equally fulfilling as the work he gets to do. He has a big and well-meaning heart, he appreciates when he gets to share. He also travels with his kids for their sporting events and spends as much time with them as humanly possible. When he has a moment to himself you can find him enjoying the delights of fine dining, playing basketball, golf or working out at the gym.

Paul has been charged with heading our Western expansion for Fortis Lux Financial. As a Managing Director of our expanding West Coast operations, Paul is building and expanding the Fortis Lux footprint to the Midwest and Western United States by researching Life Insurance Practices, Registered Investment Advisors and CPA practices through Merger and Acquisition and partnership opportunities.

Paul is experienced in every facet of the insurance and annuity industry in prior positions as President and Chief Executive Office, Vice President, Vice President of Sales, Financial Services Manager, Sales Specialist to Sales and has a background in entrepreneurial venues. Paul has had Officer accountabilities within the sales, legal, compliance, underwriting, operations, actuarial and financial areas. Obtained extensive knowledge and success within the direct, career, general agency and independent marketing distribution channels.

Extremely knowledgeable in all areas of insurance, annuities and senior market products. As a leader he has helped develop and implement strategic goals and overall direction across the insurance and annuity landscape. A lot of people have a vision of where they want to go, he works to build a team to make informed decisions about how to get there, and more importantly, how to stay there. A fearless change agent fuel-injected with enthusiasm, his management style is hands-on, open communication, proactive, performance-driven, high ethics, and “value-based.” Prior to joining Fortis Lux, he worked on new product development for several companies in the past, products would include Index Universal Life Insurance, two term insurance products, a new Accidental Death and Dismemberment product.

Paul resides in Phoenix, AZ with his wife Laura, and 4 daughters, Ashley, Madison, Emily and Kate. Paul is very active in his community and works with Arizona Super Bowl Host Committee, Ronald McDonald House, Westside Food Bank and Phoenix Children's Hospital.

Paul has been in the financial services industry since 2003. He is an Investment Advisor representative with Fortis Lux Financial. Paul holds FINRA series 7 and 63 licenses along with Life, Accident and Health insurance licenses in New York. He has a degree in Business Administration with concentrations in Finance and Economics from Iona College.

Paul is dedicated to building long-lasting relationships with clients and developing customized strategies that fit your needs at every life stage. He focuses on wealth management solutions, retirement income strategies, and estate planning.

Paul resides in Connecticut with his wife and two children.

Paul has been in the financial services industry since 1995, and is currently an Investment Advisor Representative with Fortis Lux Financial.  He has a BS in Finance and International Business from Drexel University. Paul holds FINRA series 7 and 63 licenses along with Life, Accident and Health insurance licenses in New York, New Jersey, Connecticut, and Florida.

Paul and his team are dedicated to offering financial security to families through innovative, holistic wealth management strategies. They put the needs of their clients first, delivering unrivaled service and support throughout life-long relationships. His focus areas include: retirement income strategies, investments & accumulation, protection strategies and legacy planning.

Utilizing a team approach, our mission is to be the premier provider of strategic financial solutions. Paul’s team is committed to providing client service, combined with offering a wide range of products and services for individuals, families and business owners, which sets them apart from the competition.

In his free time, Paul enjoys spending time with his wife and three children. He is actively involved in coaching youth baseball, football and basketball teams. He enjoys playing golf, football and baseball. Paul loves to travel and spend quality time with his family exploring the world.

Pat has been in the financial services industry since 2004. He is an Investment Advisor representative with Fortis Lux Financial. He has a Bachelor of Science from Fordham University and holds FINRA series 7 and 63 licenses along with Life, Accident and Health insurance licenses in New York.

Pat’s extensive knowledge of insurance, investment products and retirement strategies gives clients the confidence you’d expect when working with a financial services representative. His specific areas of expertise are building portfolios to generate income for retirement and/or wealth accumulation.

Pat resides in Tuckahoe, New York.

In 2014, Nilay Patel began his financial services career with First Investors, which is now known as Foresters Financial. He started out building a business by doing seminars for baby boomers by showing them a savvy way to build a retirement income stream incorporated with social security. Nilay enjoys helping others accomplish their financial goals and be able to find comfort in their golden years knowing that it’s possible to get there with a plan in place. By joining Fortis Lux, Nilay is excited to continue to formulate the financial goals and objectives of his clients and their families to the best of his ability.

Nilay’s passion remains the same regarding the service he provides to his clients. His goal is to leverage the tools available at Fortis Lux while using a holistic planning approach to enhance the client experience throughout their financial journey.

Nilay enjoys coaching a youth baseball travel team during the summers and traveling with his wife Carli exploring new places.

Nilay graduated from St Johns University with a Bachelor of Science in Finance. He resides in Rockland County, NY with his wife Carli.

Morey Becker began his career in financial services over a decade ago after a long career as owner of multiple retail stores in New York and New Jersey. He credits his retail experience of establishing caring relationships with his customers as a source of understanding and helping fulfill their needs, applying those same principles in the financial services industry. Morey specializes in financial services across the spectrum offering individual life insurance, disability income insurance, and long-term care coverage. He also focuses on retirement planning, tax efficient savings and is an investment advisor representative.

He is an avid New York sports fan, loves to travel, enjoys art and creative writing, and spending quality time with his children and grandchildren. He attended Lafayette High School and Brooklyn College, concentrating on business law, finance, and political science. Morey resides in Brooklyn, NY with his wife. They have 4 children and 7 grandchildren. He does volunteer work in his local community and had Fortis Lux Financial join him in supporting the Stephen Siller Tunnel to Towers Foundation. He is also involved in supporting Memorial Sloan Kettering Cancer Center and other organizations that concentrate on cancer research.

Mikhail started his financial services career in 2002 with MetLife as a financial advisor. He was with MetLife for 14 years until Massachusetts Mutual Life Insurance Company (MassMutual) acquired the MetLife Premier Client Group in 2016. Mikhail is currently a financial advisor with Fortis Lux Financial. He mainly focuses on working with doctors and business owners to maximize their estate planning through insurance and different financial programs.

He believes that your financial foundation starts with the adequate amount of income protection disability income and Long Term Care Insurance. Both of these programs are key components to help secure your financial future.

Mikhail holds his series 7,6, and 63 securities registrations as well as being licensed to sell life, health, property and casualty insurance. He is a member of the Arab Banker association of North America (ABANA).

Mikhail received his bachelor’s degree in Accounting from Assiut University in Egypt. 11 years later, he attended Baruch College and graduated with a Bachelors degree in Finance and Investments. He currently resides in Roslyn, Long Island with his wife, Hanan, and two daughters, Emilie and Natalie. In his spare time he enjoys playing basketball, tennis, squash and traveling.

As a Financial Planner with Fortis Lux Financial, my specialty is addressing the unique needs of hard-working individuals and families through creative strategies to help achieve their personal financial goals.

Families are pulled in many directions and juggle multiple priorities. Are we investing in the right things at this stage in life? How can we minimize taxes? Are we on track to retire comfortably and leave a financial legacy for our children? My team and I address the questions that keep you up at night.

It all starts with listening. There’s nothing more rewarding to me than hearing people’s stories. Family. Career. Values. Accomplishments. Decisions. Concerns. Goals. Dreams. It’s my honor to learn what’s most important to you and to craft a financial plan to help achieve your life’s ambitions.

Most importantly, you have the peace of mind of knowing that my recommendations are given with the highest standard of care.

At Fortis Lux Financial, we believe that we have the minds of capitalists and the hearts of social workers. Our job is to help you make the best financial decisions for your family and your business. For today and tomorrow. Balanced with heart and mind.

Michael graduated from New York University with a Bachelor of Science in Electrical Engineering and holds the Chartered Financial Consultant® designation. When not working, Michael enjoys spending time with family, reading, and listening to music. Michael and his wife Alissa reside in Hoboken, NJ and have two children.

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Domiciled in NY.

Michael began his career in 1997 attending the Investment Banking Program with PaineWebber. Shortly thereafter, he became a Financial Planner with Scher Financial Group, an office of MetLife, before forming Hudson Wealth Advisors. In 2016, the MetLife Premier Client Group (MPCG) was acquired by MassMutual, and Hudson Wealth Advisors was merged into Fortis Lux Financial. Michael is a graduate of Pennsylvania State University with a Bachelor of Science in Finance. Michael also attended the University of Seville, Spain where he studied International Finance and Taxation.

Michael is committed to building long-term relationships with his clients, and helping them reach their goals is his number one priority. He focuses on wealth management strategies and investments, as well as protection and retirement planning. Drawing on his knowledge, experience, and world-class planning tools, he strives to help build financial freedom for all his clients.

Michael is a member of many prestigious organizations, such as the National Association for Insurance & Financial Advisors (NAIFA), the Financial Planning Association (FPA), the International Association for Financial Planners (IAFP) and previously, the National Football League Financial Advisory Program (NFLFA).

He has received several honors and designations including MetLife Securities Advisory Board (2004-2016), Fidelity’s Advisory Council (2001- present) and BlackRock’s Masters Club (2007-present). Michael achieved the ChFC® (Chartered Financial Consultant) designation in May 2010 along with his CASL® (Chartered Advisor for Senior Living) designation shortly thereafter.

Outside the office, Michael enjoys coaching two baseball teams in his community, running 5k races with his children for War Veterans and Cancer charity organizations, reading non-fiction books on Navy Seals and Special Forces (military), and mentoring through the Veterans Association.

With over twenty years of experience in financial  services before joining Fortis Lux Financial, Mike specializes in guiding  consultants and finance professionals—including those in private equity,  hedge funds, and investment banking—through investments, insurance, and  tax-efficient strategies. A dedicated financial professional to  high-achieving clients, he combines deep industry insight with tailored,  personalized solutions. Outside of work, Michael is an avid Baltimore Ravens  fan and a passionate movie buff.       

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Michael A. Dávila joined MetLife Premier Financial Group of NYC shortly before the onset of the financial crisis in September of 2007 and began building his practice within the competitive niche market of Financial Services Executives.  Starting his career working with individuals and families affected by this crisis was a formative experience for him. For that reason, Michael focuses on helping his clients increase efficiency by finding opportunities to help them leverage different IRS tax codes along with a focus on Risk Management in the areas of Retirement Planning and Insurance. A holistic approach to overall financial planning is critical in his perspective, as he strives to create financial longevity for his clients, by utilizing his extensive product knowledge and passion for working with people.

During the Fall of 2011, Michael decided that to provide his clients with a sound financial strategy, he needed to form a full-service team. While at the MetLife Premier Client Group of NYC, Michael and his team – led by himself and counterparts Corey Miller, and Lance Lichorat – established a seven-person financial advisory group. The team developed and grew within the niche market of financial services executives and small business owners.  Michael and his teammates operate under the universal principle that their purpose is to “Empower their clients to grow and safeguard their assets throughout all stages of their financial lives”.  The team strives to accomplish this mission through “Brand Strength, Financial Stability, and Exceptional Service”.

In 2016, Michael and his team transitioned from the MetLife Premier Client Group of NYC to Fortis Lux Financial.

In addition to holding series 7, 63 and Life, Accident and Health licenses, Michael is a division leader within Fortis Lux Financials’ Advanced Sales Unit with a specialty focus in Split Dollar & Premium Financing transactions.  Michael graduated from New York University in 2004 with a B.A. in Medieval and Renaissance Studies.

Michael currently resides in Garden City, NY with his spouse Gisel and daughters Juliana & Elliana.

Hobbies – Travel, gastronomy, professional sports, fishing.

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CRN202808-9251576

Maurice is the Director of Firm Supervision for Fortis Lux Financial and leads the department responsible for monitoring, evaluating and mitigating regulatory risks to the firm. He has extensive experience in the financial services industry and is a Registered Principal.

Maurice has an MBA in International Business from Northeastern University and a bachelor’s degree in business management from Rutgers University. He is also a veteran of the United States Marine Corps.

Outside of the firm, he enjoys giving back to his community through various charitable organizations such as New York Blood Center and Jersey Cares.

As a Certified Financial Planner Professional and Director of Financial Planning with Fortis Lux Financial, my specialty is addressing the unique needs of hard-working individuals and families through creative strategies to help achieve their personal financial goals.

Families are pulled in many directions and juggle multiple priorities. Are we investing in the right things at this stage in life? How can we minimize taxes? Are we on track to retire comfortably and leave a financial legacy for our children? My team and I address the questions that keep you up at night.

It all starts with listening. There’s nothing more rewarding to me than hearing people’s stories. Family. Career. Values. Accomplishments. Decisions. Concerns. Goals. Dreams. It’s my honor to learn what’s most important to you and to craft a financial plan to help achieve your life’s ambitions.

Most importantly, you have the peace of mind knowing that my recommendations are given with the highest standard of care.

At Fortis Lux Financial, we have the minds of capitalists and the hearts of social workers. Our job is to help you make the best financial decisions for your family and your business. For today and tomorrow. Balanced with heart and mind.

Matt is married to Nichole. They have two young daughters and live in Lincroft, NJ. Matt holds a Masters of Science degree in Financial Services and is a Certified Financial Planner® certificant. When not working, Matt can be found spending time with family, traveling, snowboarding and playing pickleball and golf.

Domiciled in NY.

Mary has spent 25 years building trusted relationships as a practicing pharmacist, a role that honed her ability to listen, guide, and support individuals through important decisions. Alongside her clinical experience, she has also managed multiple family-run businesses, giving her a strong foundation in operations, service, and long-term planning.

Driven by a genuine commitment to helping others succeed, Mary brings this same care and clarity to her work with clients. Her ability to connect, understand their goals, and provide thoughtful guidance allows her to build lasting, meaningful relationships rooted in trust and compassion.

After graduating from Stony Brook University with a Bachelors Degree of Science in Business Management, Linda began her career as a New Business Analyst at MetLife. Today Linda is one of the Agency Supervisory Officers at Fortis Lux Financial. In 2011, she took an opportunity to transition to a Compliance role as Senior Firm Compliance Consultant, to help ensure our financial professionals comply with regulatory requirements and internal policies.

Before joining Fortis Lux Financial, Linda had ten full years of service with MetLife. Linda holds her FINRA Series 7, 24, as well as Life, Accident and Health insurance licenses.

In her leisure, Linda enjoys shopping and listening to music as well as spending quality time with her family.

Lance began his career in 2011 with Buckman, Buckman and Reid in New York City where he developed an expertise in portfolio management for affluent investors across America. Due to a realization that risk management through insurance was a missing piece to his client’s financial puzzle, Lance decided to join MetLife Premier Client Group of NYC in late 2011.

At MetLife, Lance and his team – lead by himself and counterparts Michael Davila and Corey Miller – established a ten person financial advisory team. The team developed a robust client base in the niche market of financial services. In 2015, Lance also became a financial planner with MetLife. Lance’s key to developing a sound financial plan is initiating the plan conversation where his team can then cultivate a plan for individuals and families for their short term cash management, intermediate term wealth accumulation and long term retirement planning.

Lance transitioned from MetLife Premier Client Group to Fortis Lux Financial in July of 2016.

In addition to holding series 7, 63 and Life, Accident and Health licenses, Lance recently received certification in Long Term care partnership for NY, NJ and CT. Lance graduated from Hartwick College with a BA in Business Administration. After graduating from Hartwick, Lance attended international business school at Ocean University in Qingdao, China.

Lance currently resides in Connecticut and is a member of the Fairfield Chamber of Commerce.

Hobbies – Fishing, hiking, golf and educating people on how to build wealth.

Ken Weiss began his career in 1988 working in a diversified family business, where his responsibilities included managing an investment portfolio consisting of equities, real estate and other income-producing assets in the US and Asia, as well as its international manufacturing operations.

With a focus on retirement planning and a commitment to long-term asset preservation and accumulation, Ken embarked on a career in wealth management in 2002 at Hudson Wealth Advisors, an office of MetLife. He specializes in helping professionals and their families achieve their financial goals, providing them with tax-efficient solutions to build and preserve multi-generational wealth. In 2016, Hudson Wealth Advisors was merged into Fortis Lux Financial.

Ken earned a BA degree from Boston College in 1984 and a JD from the Benjamin N. Cardozo School of Law in 1988 and obtained his CERTIFIED FINANCIAL PLANNER™ certification in 2013.

He is a member of the Financial Planning Association and Benjamin N. Cardozo School of Law’s Dean’s Council.  Ken is also a Founding Member and investor in SPiN Global, a world-class table tennis and social club located in New York City and in other major cities in the U.S. and Canada.

CRN202502-1757606

* Licensed but not practicing.

Domiciled in NY.

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Kenneth’s passion is helping individuals and small business owners enjoy life on their own terms by achieving their financial goals. He works to have open discussions with clients, that translate into strong communication of their needs and future goals. This allows Kenneth to formulate a tailored plan designed to accomplish them.

Kenneth’s practice addresses all aspects of the financial spectrum including; wealth accumulation, income and asset protection along with all phases of life planning. (children, education, retirement and estate planning)

Client relationships are the cornerstone of his practice. Clients not only benefit from Kenneth’s advice and guidance, but also have access to a full range of additional resources through the Fortis Lux organization.

Ken is an Investment Advisor Representative and Financial Services Representative with over 20 years in the Financial Services Industry. Kens philosophy is simple – help clients build, protect and sustain wealth throughout their lifetime. Ken delivers quality, objective and holistic solutions. His focus is to build long term, synergistic relationships. This process leads to unique solutions tailored specifically to each client’s individual needs. He specializes in retirement income planning, legacy planning, and protection products. He strives to provide exemplary service and unparalleled guidance for every single client

Prior to joining Fortis Lux Financial, Ken was a Senior Wealth Management Advisor for TIAA-CREF for 18 years. He helped found this group which serves high net worth clients in the academic, medical and cultural fields. Ken holds a Bachelor of Business Administration (BBA) from the City University of New York – Baruch College with a major in Industrial/Organizational Psychology. He also maintains Series 6, 7, 63, 66 licenses as well as Life, Accident and Health insurance licenses. He is also an active member of the Financial Planning Association of NY.

Ken lives in Bridgewater, NJ with his wife Jeanine and daughter Caitlin. Ken enjoys sports, history and spending time with family.

Domiciled in NY.

In 2008, Kate Hudson began her financial services career with First Investors, which is now known as Foresters Financial. She started out building a business by showing individuals a savvy way to find future financial freedom. Kate enjoys helping others accomplish their financial goals and be able to find comfort in knowing that it's possible to get there while protecting their family from any unfortunate events. By joining Fortis Lux, Kate is excited to continue to formulate the financial goals and objectives of her clients and their families to the best of her ability.

Early on in her career, through tough personal and professional experiences, she learned the significance and importance of life insurance when a young client tragically passed away with a life insurance policy. She has always worked with her clients in the most tax efficient manner and as her experience matured in the industry, she found that working with women entrepreneurs became a passion.

Kate particularly enjoys giving back to her community. She enjoys spending her time volunteering with Make A Wish & St. Jude Foundations. She is also a member of the MDRT and works on a charitable board in a hospital.

Kate graduated from Fordham University with a Bachelor of Science in Business Finance. She resides in Spackenkill, NY with her daughter Mia, who is four years old. Kate enjoys traveling the world with Mia.

Justin was born and raised in Mount Kisco, New York where he fostered a love for his community and made it a better home. Ever since a series of injuries at a young age that derailed a promising athletic career in soccer, Justin has persisted in finding new motivation to carry himself forward. That drive ultimately led him to taking on a new challenge in golf,where he would go on to captain his high school team in just a few years and then play for his university. All the while completing his studies in 4 years and successfully interning with a major financial group. That effort did not go unnoticed as after his graduation that financial group (Fortis Lux Financial) offered him a position on one of the top teams in the organization, while he continues to be mentored under the guidance of several senior associates. Justin’s passion for life has enabled him to transition comfortably into planning for families and professionals. He adheres to a holistic approach when planning and stresses the importance of being as efficient as one can be with every dollar that passes through one's life.    

When not working or playing golf, Justin enjoys hunting with his friends and attending car shows.

Graduate of Manhattanville College.  BS Communications Arts

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With over a decade of unparalleled experience, my expertise lies in tax-efficient strategies, retirement foresight, cash flow optimization, and exploring other financial strategies that are designed to help you meet your financial goals.

My passion for financial precision is profound, but there's a special place in my heart for assisting real estate professionals. Their unique financial challenges, from setting up health insurance and 401k benefits to innovating tax strategies like Deferred Benefit Plans and Split-Dollar Agreements, resonate with me deeply. Helping their financial world harmonize and flourish gives me immense satisfaction.

My commitment has earned me accolades such as the NYC Council citation for community service. Among professional achievements, I'm honored to be part of the esteemed advisor circle and proudly am a member of the Court of the Table.

Off the clock, I relish golfing weekends, the adrenaline of Formula 1 races shared with my cherished family, and tranquil moments at our personal haven - Roanoke Vineyards. Committed to giving back, I champion causes like the NY Botanical Gardens, offer my skills to Counseling in Schools, and make yearly contributions to the Scarsdale PBA.

To all Real Estate mavens, let's unite our expertise. Whether it's navigating cashflow challenges, amplifying your wealth trajectory, or envisioning a serene retirement - my mission is to bestow tranquility and financial security upon you and your loved ones, now and always.

Joshua Kassin is a dedicated financial professional on a mission to help families—at every stage of life—build a secure future through tailored insurance and financial solutions. His guiding principle is simple: “I don’t have a top priority—I have one priority: my client.”

With a background in legal research, real estate marketing, social work, and education, Joshua brings a uniquely well-rounded perspective to the world of financial services. His path into life insurance was driven by a deep desire to serve others—not just with policies, but with an opportunity to provide the peace of mind of knowing that they are prepared for the future.

As a licensed Life Insurance Producer in New York, Joshua is equipped to craft custom-fit coverage across carriers. Whether he’s helping with life and insurance or annuities, he combines industry knowledge with empathy and a client-first mindset.

Outside of work, Joshua enjoys strategy games, piano, gymnastics, football, and military history. He’s currently pursuing a degree in Business Marketing at CUNY Brooklyn College.

Joseph began his career in 2010 in a wealth management capacity in Manhattan. He was on a team with four senior partners focused solely on working with businesses and affluent individuals. After six years of helping the team grow assets under management, Joseph chose to pursue building a practice of his own.

He then secured a position as a private client investment advisor. He thrived during his three-year tenure at the new institution, receiving accolades that rivaled top advisors at the firm.

After nearly a decade in the bank system, Joseph took a step back to look at where the financial services industry was headed. He ultimately set out to find a company with an open architecture investment advisory platform and a team of partners who could help take his business to the next level.

When he discovered Fortis Lux Financial in 2020 and found financial planning to be at the nucleus of the firm’s culture, he knew he’d found a home.Joseph looks forward to continuing his practice down the path of estate and legacy planning, working with business owners, pre-retirees, retirees, and professionals alike.

Joseph graduated with a major in finance and a minor in economics from Quinnipiac University, where he was also a starting pitcher for their Division I baseball team. Joseph’s hobbies include golfing and rooting on his favorite NY sports teams (Mets, Jets, and Knicks). He also enjoys spending his free time with family and friends at his summer home in the Poconos.

Joseph resides in Smithtown, NY with his lovely wife Rachel. They have one daughter and a mini golden doodle named Reese. Joseph is licensed with a Series 7, Series 66, and life and health insurance licenses.

CA Insurance License # 4186422, domiciled in NY

John Salina joined our firm as a Managing Director in 2019. With 12 years of experience managing high performing advisors and advisor teams, John understands what it takes to help financial professionals take their practice to the next level. “I’ve worked with driven individuals for my entire professional career,” he explains. “I’ve developed a specialty around helping already successful people to elevate their business, by doing whatever is in my power to remove roadblocks to their advancement.” For many financial professionals, in John’s experience, that amounts to working in a business-friendly environment, with access to deep resources and expert guidance on growing people, processes and practices. This is precisely what led John to connect with the leadership at Fortis Lux. After having established himself as a leading recruiter and nationally recognized sales manager at JP Morgan Chase and New York Life, John had developed an impressive recruiting and leadership portfolio. As he managed successively larger and more elite teams and operations, he knew that greater freedom and flexibility for those he led would be vital to the growth of his organization.

“I didn’t necessarily know what shape that flexibility may take, but I knew that the cookie-cutter model of practice development doesn’t work past the entry phase of the career, ” John says. “The moment I was introduced to Fortis Lux, I knew I had found what I was looking for … ” he adds. What John appreciates most is how advisor-centric, flexible, and invested the firm is in helping people realize their vision of success – whatever that may be.

John is on a mission to work with highly entrepreneurial financial professionals who have outgrown (or can foresee the limitations of) their existing business framework, and are searching for flexibility, innovation and professional support. A particular focus of his is being able to recruit junior financial professionals, subject matter professionals or other talent to round out his financial professional teams. “Fortis Lux is a firm that has it all: expert leadership, effective business development strategies, a team-oriented culture, investment in technology, and the access to the products and services of one of the most esteemed financial services companies in the country,” he says.

John grew up in Long Island, has worked in midtown Manhattan for the majority of his career, and now resides in Westchester County with his wife Ciara and their son Luca. He prides himself on striking a balance between being physically active: “5am gym sessions daily, practicing wrestling and mixed martial arts,” and “kicking back with my wife and family over a delicious meal and glass of wine.”

John Keohane, a seasoned veteran in the financial industry for over 20 years, is firmly committed to establishing long-term client relationships, attributing his success to the trust and confidence his clients place in him. John possesses the innate ability to understand his clients’ needs and goals,assemble the ideal team members and formulate a precise tailored strategy for each individual client. Teaming up with Fortis Lux Financial in 2018 has enhanced his capacity to service clients with access to Financial Planning, Estate Planning and Strategic Business Planning services. With John’s expertise, he has been helping high net-worth individuals with unique financial strategies for Estate Planning.

Many high net-worth clients of John’s are referrals from their own CPAs, estate and personal attorneys, wealth managers or other trusted family professionals. Working together with John and his team, he helps ensure that his clients’ questions are answered and that they receive quality service. Throughout the entire process, John makes sure to work in conjunction with the family, the family’s other advisors and all trusted parties.

John earned an international business degree from George Washington University. He currently resides in Boca Raton after 22 years in New York City with his wife Donatella and two kids Daniel and Juliana. In addition to his Florida office, he continues to maintain a supplemental office in NYC.

Languages: Portuguese, Spanish

CA Insurance License No: 0E64851

CRN202507-2687023

Joanna Anderson is the Director of Business Development at Fortis Lux Financial. As a member of the Leadership Team, Joanna is responsible for on-boarding and the oversight of the due diligence and licensing process. She also acts as the liaison for home office support for the agency. Her responsibilities also include identifying and cultivating an external talent pool in order to ensure the growth of the firm. Providing a best-in-class experience to her colleagues and their clients is paramount to Joanna.

Joanna began her career with MetLife 7 years ago as a Marketing Coordinator. While in this role, she supported a team of financial professionals on their individual marketing plans, coordinated seminars and events for the firm and ensured her colleagues had the resources they needed to help guide their clients to achieve their financial goals. Prior to joining MetLife, she completed her bachelor’s and master’s degree, double majoring in finance and mass communication at the College of New Rochelle in Westchester NY.

Joanna grew up in New Rochelle and is the oldest of 4 children. Today, she resides in Hartsdale with her husband Brian and their son Lucas.

Jo Ann Burns joined MassMutual Westchester in 2012, as the Chief Operating Officer, she was a versatile leader and resource to the staff and leadership team. After the merger in June 2018, MassMutual Westchester became Fortis Lux Financial. JoAnn continues to handle the human resource and general operating functions for the Westchester office. As Chief Financial Officer, Jo Ann will manage the finance/accounting functions for Fortis Lux Financial.

Jo Ann has worked in the financial service industry for over 20 years, the last 7 years with Fortis Lux Financial. Some of the firms where she previously held leadership positions include Provident Mutual, which became Nationwide, and Penn Mutual.

She has her Bachelor’s of Business Administration in Human Resource Management from Pace University. She lives in Tarrytown, New York and enjoys cooking, reading and practicing yoga.

As a dedicated financial professional, I'm passionate about helping young professionals and their families secure their financial futures through personalized and strategic financial solutions. My approach is centered around the client’s needs, meaning I take the time to understand your individual goals and aspirations before crafting a tailored financial strategy.Whether you're navigating the complexities of personal finance, retirement income needs, or protection solutions. I'm here to provide the education and guidance you need to make informed decisions.

When you work with me, you can expect a strong emphasis on transparency, open communication, and ongoing support. I believe that successful financial freedom is a partnership, and we work together to create strategies that not only meet your current needs but also anticipate future challenges and opportunities. My commitment is to be with you every step of the way, guiding you to adapt to life's changes. You can rest assured that I will be there to guide you through every financial decision, providing the support you need to navigate your financial journey with confidence.

With the support of Fortis Lux, I collaborate with a network of experienced financial advisors and CPAs, allowing me to offer holistic financial strategies tailored to your unique goals. My focus on building strong relationships with CPA alliances ensures that together, we can deliver comprehensive financial guidance that aligns with your long-term vision. Let's work together to achieve financial security and success. By making informed decisions, we can pave the way for a bright financial future, inspiring confidence and peace of mind.

Jeffrey Loiselle joined MetLife in 1994 as an Account Representative at Wall Street Planning Associates, Ltd. after his previous career in law enforcement. He draws on the experiences and skills from outside the business to develop and foster relationships. Jeff is also an active mentor sponsoring several candidates in the business. He is strategic in his use of planning in all aspects of his life.

He has earned his Financial Planner title and completed industry required examinations such as: Series 6, 7 and 63. He is a life member of the Million Dollar Round Table. In 2007 he reached the milestone of Court of the Table. Jeff was named Most Valuable Player at Wall Street Planning Associates in 1999 and 2000 and also, the agency’s Circle of Honor 2000. In 2001, while with MetLife, Jeff also received the Triple Crown Award and qualified for the 2001 Atlantic Zone Millennium Club.

He holds a membership in the National Association of Insurance and Financial Advisors (NAIFA). He has also achieved the designation of Charted Life Underwriter (CLU) from the American College on September 1, 2012. He has been a guest speaker and presenter at numerous events such as “Building a Financial Planning Practice” seminar.

Today, Jeff continues his career at Fortis Lux Financial and continues to help his clients achieve their goals and financial objectives through a holistic financial planning approach.

Domiciled in NY.

Jason Klein, CFP® began his career in the financial services industry in 1998 as a Financial Advisor for Morgan Stanley. He spent four years working at Merrill Lynch, where he designed financial plans for high net worth individuals, corporate clients, as well as professional athletes and entertainers. Jason worked as the Director of Financial Planning for the Cowan Financial Group from 2003 until 2007. He became a CERTIFIED FINANCIAL PLANNER® Professional in 2005.

Jason joined the MetLife Financial Group of New York in 2007 as its Advanced Markets Consultant and Financial Planning Director. He transitioned into the role of Director of Strategic Planning for Hudson Wealth Advisors in 2013. Jason utilizes his extensive knowledge as well as advanced planning tools to create comprehensive and focused financial plans for their clients. These financial plans include retirement analysis, business and employee benefits, financial position, wealth accumulation, estate planning, and protection planning. He is committed to helping clients organize their financial lives and putting them on the right path towards realizing their financial goals.

In 2016, MetLife Premier Client Group was acquired by MassMutual and Hudson Wealth Advisors was merged into Fortis Lux Financial.

Jason lives in Mamaroneck, NY with his wife Heather, daughter Molly, and son Ian.

Domiciled in NY.

As a Fortis Lux Financial Advisor, Jason is equipped to cover all areas of financial management, from investments and retirement planning to risk management and estate conservation strategies. He specializes in helping my clients develop a comprehensive, cohesive financial plan that fits their unique needs and enables them to meet short, intermediate, and long-term goals.

Jason holds the Life Underwriter Training Council Fellow (LUTCF) and Retirement Income Certified Professional (RICP) designations through The American College, as well as the Chartered Retirement Planning Counselor (CRPC) designation through The College for Financial Planning. He also maintains the Series 7, 63, 65, and 24 FINRA securities registrations, as well as life and health insurance licenses.

Jason has been in the financial services industry for over a decade and truly has a passion for what he specializes in. When he is not dealing with the complexities of his business, Jason enjoys watching and participating in a variety of sports and sporting activities, music of all kinds, and spending time outside of the city with friends and family in upstate central New York.

Back in high school, a friend called Jaime the “planner’s planner,” and she has been guiding individuals and processes ever since. Today, she provides comprehensive financial planning, including wealth management solutions, risk management and estate planning advice to address clients’ present and future financial priorities. She also focuses on meeting the complex needs of small business owners as well as working with donors and organizations to leverage financial strategies for charitable giving.

Jaime started her career as a corporate events planner, helping to ensure that large-scale events in London, Sydney, Tokyo, Los Angeles and New York went off without a hitch. She interned at the Smithsonian before joining Nielsen, a leading information, data and measurement firm.

When the co-founder of a startup indoor children’s playspace called, she was ready for a new challenge. Over the next seven years, Jaime oversaw the launch of two new locations, managed charitable initiatives, directed daily business operations, sales and marketing, customer service and finances, and more than doubled the growth of the events and party department.

In 2015, Jaime decided it was time to focus on helping others in a more tangible way and decided to join New York Life as a financial services professional. Working primarily with young professionals and families, she achieved Council status over each of the next four years by providing insurance (life, disability and long-term care) and investment solutions, retirement planning and college funding.

To expand her holistic planning capabilities and partner with a dedicated team of professionals, Jaime moved to Fortis Lux Financial in 2019.

Jaime is a passionate volunteer and active community and board member. She is involved with multiple cancer-related charities, including Cookies for Kids’ Cancer.

Jaime holds a B.S. in Communication from Boston University, enjoys urban rebounding and is a connoisseur of ice cream.

When Herve Vixamar first decided to help people plan their financial future, he was guided by a mission to make a difference in the lives of his clients and their families. His approach is simple: coach each person through the process of achieving his/her short and long-term financial goals. Herve helps clients determine financial goals and needs, identify a clear strategy, then establish a concrete course of action until financial goals are reached.

Now, with over 17 years of experience as a Financial Advisor, Herve has helped a number of small business owners and retirees, along with healthcare, legal and freelance professionals.

Herve believes education is the key to successful personal growth, and that same key holds true for financial success. That is why he has made a commitment to educating his clients, and the community at large. He has conducted financial workshops on the importance of financial investments for numerous private and non-profit organizations, including Beth Israel Medical Center, Mount Sinai Hospital, and Jazz at Lincoln Center.

He currently serves on the auxiliary board of Metropolitan Hospital and the board of directors of The Haitian Roundtable.

Domiciled in NY.

Born in Indonesia, Hendry Nurjadi ventured to the United States in 2001, bringing with him a rich cultural perspective and a deep understanding of diverse financial landscapes. His journey in the US has been marked by a strong sense of purpose, driven by a principle shared among many of his clients: "I am my parent's retirement plan." This sentiment resonates deeply with Hendry, shaping his approach to financial advising.

Hendry embarked on his financial career in 2015. Since then, he has specialized in working with professionals in the financial services sector, including investment bankers, partners at accounting and consulting firms, and individuals on various work visas such as H1B, L-1, and O-1. His clientele, often navigating complex financial and immigration scenarios, finds his prior experience in these matters invaluable.

Hendry joined Fortis Lux Financial in 2023 as a financial advisor.  He is particularly adept in tax efficiency strategies, holistic financial and retirement income solutions, and estate planning* roadmap. His approach is deeply technical and analytical, reflecting his enjoyment of the intricate details that make up the financial world. This technical proficiency allows him to provide tailored solutions that address the unique financial challenges and opportunities his clients face.

For Hendry, financial advising is not just about numbers; it's about forging pathways designed to help provide security and prosperity for his clients and their families. His international background and experience in the US give him a unique perspective on the financial challenges faced by expatriates and residents alike.

Looking to the future, Hendry is committed to continuing his journey of helping clients navigate the complex world of finance, ensuring that they are well-prepared not only for their personal wealth but also to support the generations that follow.

Outside of work, Hendry is passionate about sports, particularly basketball, football, and hockey, enjoying both playing and following these games. He also has a love for cooking, often experimenting with new recipes and flavors, blending his Indonesian heritage with international cuisines. Additionally, traveling holds a special place in his heart, as it allows him to explore new cultures, landscapes, and culinary experiences, further enriching his global perspective.

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*Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA.

It was only natural that after 20 years of owning his own company Gino DeVivo took his spirit of entrepreneurship to MetLife in 1996. At Fortis Lux Financial he helps individuals and other business owners succeed at preserving wealth and creating legacies. His primary focus is to help ensure that their assets are protected, they have income security for the rest of their lives and help assure those they love are prepared for the future. His highest priority is to help them live their purpose. As a September 11th survivor, he understands the value of protecting your family. He saw first-hand, colleagues perish and grieved along with their loved one left behind.

While building his practice, Gino attended The American College and received the prestigious designation of LUTCF. Gino was a Benefits Consultant for UFCW 312, a Professional Trustee for both Teamsters Locals 124 and 531 and thoroughly understands Union benefits.

Gino resides in Croton-on-Hudson with his wife Deborah and has 3 children. His outside interests include fine dining, travelling and spectator sports.

Frank began his career in 1989 with The Bank of New York (now BNY Mellon) as an Administrator in their Trust and Investment Department at One Wall Street in New York, NY. In 1994 he transferred to the Private Client Services department in White Plains, NY and was promoted to Vice President and assumed the role of Relationship Manager for their high net worth clients.

He left BNY Mellon in 2008 to take on a new challenge as a Financial Advisor with Wells Fargo Advisors. While there he achieved his Series 7 and 66 licenses as well as his Insurance license. He left Wells Fargo in 2013 to pursue a career as an Independent Financial Advisor with Cetera Advisors. In 2015, he joined MetLife Premier Client Group (MPCG) of New York City which is now known as Fortis Lux Financial.

Frank holds a BS in Finance from St. John’s University. He resides in Elmsford, NY with his wife and dog Chase.

Domiciled in NY.

Felix Malitsky brings a deep sense of purpose, discipline, and optimism to everything he builds. An immigrant to the United States, Felix credits his drive to the opportunities this country has provided and to a belief that success is best measured by the impact you make on others.

Felix is the Founder of Fortis Companies and the Founder and CEO of Fortis Lux Financial, which he established in 2016. He set out to build more than a traditional financial firm, with a vision centered on creating a platform where ambitious professionals could grow, collaborate, and serve clients with clarity, integrity, and a long-term focus. “We are a firm built by people who want to help others move forward,” he says. “Whether it is our advisors, our team members, or our clients, the goal is the same: confidence,opportunity, and sustainable success.”

Felix believes the future of the financial services industry is delivering more advice with fewer people. This philosophy emphasizes deeper relationships, thoughtful planning, and a family office-style experience that supports clients through every stage of life.

Felix grew up in suburban Connecticut, where he developed a strong work ethic and competitive spirit through athletics. He later earned a bachelor's degree in History and Economics from the University of Connecticut, a foundation that shaped both his analytical mindset and his appreciation for long-term perspective. He entered the financial services industry in 2002, where his ability to develop people and build teams led to senior leadership roles at American Express Financial Advisors and MetLife. Those experiences ultimately led him to found Fortis Lux Financial.

A combat veteran, Felix believes leadership is rooted in service, accountability, and trust. This philosophy has helped shape the culture at Fortis Lux Financial, contributing to strong advisor retention and a collaborative, growth-oriented environment focused on delivering comprehensive guidance to clients.

Felix has been widely recognized within the financial services industry for his leadership and performance, while maintaining a strong commitment to giving back, particularly to organizations that support veterans and their families. This values-driven approach has helped define the culture at Fortis Lux Financial, which was recognized by Crain’s New York Business as one of New York City’s 100 Best Places to Work.

Today, Felix resides in Connecticut with his wife, Donatella, and their twins. Outside of work, he values time with family above all else and can often be found watching his kids play sports, staying active through workouts, or spending time with the family’s French bulldog, Louie.

Eric Goldsmith is a Financial Planner with Fortis Lux Financial. Fortis Lux Financial is a team of dedicated Financial Services Representatives who provides clients with a holistic approach and emphasis on financial planning to help them reach their short and long term financial goals.

Eric Goldsmith began his career in the financial services industry in 2005. He is a graduate of The University of Maryland with a Bachelor of Arts in American Literature.

Eric is committed to forming long-lasting relationships with clients and developing customized strategies to prepare for any or all of life's milestones. He demonstrates the skills and knowledge you would expect from your financial professional but takes pride in his efforts to deliver each message with a personal touch. Eric focuses on retirement income planning, investment planning, legacy and estate planning, protection planning, and college funding strategies for children and grandchildren. He strives to give each client comprehensive, individualized attention, honest recommendations, and superior service throughout their lifetime.

Currently, Eric is a member of MDRT and The Financial Planning Association (FPA), as well as a Board Member of both the Cystic Fibrosis Foundation, commissioner of the Environmental Commission of Jersey City and elected committee member in the 5th District of Jersey City.

Domiciled in NY.

Liz began her career in 1995 with Northwestern Mutual Life in Manhattan, NY, as a Special Agent where she served the small business market in New York and New Jersey. She then joined Metlife in 2000 where she continued advising the small business owners market, specializing in the Hispanic community. Liz was with MetLife for 16 years until Massachusetts Mutual Life Insurance Company (MassMutual) acquired the MetLife Premier Client Group in 2016. Liz is currently a financial adviser with Fortis Lux Financial. She holds a General Securities Series 7 and Uniform Securities Series 63 license.

She is also an enthusiastic athlete, being a competitive tennis player, accomplished open water swimmer and a salsa on 2 dancer. She has performed at Madison Square Garden, Candela and Yamulee Dance School in New York.

Liz holds an MBA from St. John’s University, NY and a bachelor and Master in Psychology from her native country Peru. She resides in Manhattan NY, is fluent in Spanish and has knowledge of Japanese and French. She has one daughter, Giannin.

Edward has been working in the financial services industry since 1996, and is currently an Investment Advisor Representative with Fortis Lux Financial. He’s committed to helping his clients through the many stages of life by determining the most appropriate strategy for every unique situation. He always strives to deliver the highest quality of service, while also making sure the end goals are being met. His areas of expertise include: retirement income strategies, wealth accumulation and estate planning.

Edward holds FINRA licenses series 7 and 63 along with Life, Accident and Health Insurance licenses in New York.

Edward currently resides in Pound Ridge, New York with his wife and son.

Doug Collins started his career in the financial services industry in 2007 as a stock trader. He became infatuated with the stock market as an Economics major at Wesleyan. After finding success trading the stocks of video game developers and console makers, he decided to turn this passion into a career. He is currently a financial advisor with Fortis Lux Financial.

Doug graduated from Wesleyan University in 2007 with a B.A. in Economics. He was actively involved in the college community, being a part of both the football and baseball teams. A few years after graduating, Doug took the GMAT and scored 750, placing in the 98th percentile.

Doug currently resides in Irvington, NY with his wife, Cindy, and daughter, Hallieanna. He enjoys playing basketball, softball, and laboriously participates in different road races.

Corey Miller came into the world of financial advising in 2008 after he established a clothing company in Miami, Florida. He decided he wanted to make a career switch and go into personal financial planning when he saw through working with others that financially some people were prepared for all life has to throw at them, and others are living paycheck to paycheck. Corey then made it a personal mission to provide a soundboard for individuals and families and to help them create a well-oiled machine where all pieces work to help them achieve their financial goals.

Corey and his team – lead by himself and counterparts Michael Davila and Lance Lichorat – established a ten person financial advisory team within Fortis Lux Financial. The team developed a robust client base in the niche market of financial services.

In addition to holding series 7, 63 and Life, Accident and Health licenses, Corey is Long Term Care Partnership certified for NY, NJ and CT.

Corey currently resides in Connecticut and supports his local community as a member of the Stamford Chamber of Commerce for various fund raisers.

Corey helps his clients achieve their financial goals using the following: Tax Strategies, Gifting Strategies, Entrepreneurial Family Relationships, Succession Planning, Trust and Estate Planning Strategies, Retirement Planning, Wealth Preservation Strategies, Income Strategies, Portfolio Design and Asset Allocation Strategies.

Hobbies – golf, hiking, fishing, and skiing.

Domiciled in NY.

Christopher has always been resolute about providing strong and stable guidance to his clients. This allows them to make informed decisions towards their financial goals. His ultimate goal is to consistently utilize his strengths to help clients make confident financial decisions. His patience and wisdom are why his expertise is trusted, it has people continue to return to him for financial advice. In 2006, he began a financial services career with Citibank Retail at the branch level. After five years, he joined Citi Bank's Private Bank and focused on working with the Ultra High Net Worth Market as a team member.

After accumulating a wealth of experience, Christopher made the choice to become an independent advisor. This allowed him the opportunity to build and grow his own practice. He joined Forester’s Financial in 2015 and he steadily developed a significant client base. He worked mainly with educators and administrators of the Rockland and Westchester school districts of New York State.

To better serve his clients with integrative planning strategies, Christopher joined Fortis Lux Financial in 2019. He is excited for the opportunity to continue growing, while aiding his clients in their growth as well.

Charles Dweck is recognized for his specialty focus on the needs of business owners. As the head of the firm’s Strategic Business Owner Planning Initiative, Charles advises business owners on creative strategies aimed to achieve personal and business financial goals. Other financial professionals within the firm also turn to Charles for his deep knowledge and creative thinking.

Charles was recently named the Director of Retirement Plan Services at Fortis Lux. While many companies have a 401(k), Charles realizes that a properly designed qualified plan can be the cornerstone of any retirement planning for a business owner. The design, selection and execution of the plans he recommends focus on 3 key elements: Dynamic experience for the participants with proper financial wellness planning, maximum benefit for the owner, and fiduciary coverage to ensure proper compliance.

Charles understands that business owners are pulled into many different directions and are juggling multiple priorities. As an Accredited Investment Fiduciary designee (AIF®), Charles is trained to manage/advise clients’ on their plan assets with a fundamental understanding of the principles of fiduciary duty, acting as a fiduciary, and carrying out fiduciary responsibility.

As planning strategies are constantly arising and changing, Charles spends a significant amount of time vetting ideas for his clients for their benefits as well as their legitimacy. He attends several conferences, isa member of several high level planning associations, meets with legal and tax attorneys, and is always keeping an ‘ear to the ground’ to know what is the latest concept being employed.

Charles is well suited to work with business owners. Having grown up in a family business, he gained insight into the ups and downs of entrepreneurship. Later, while he pursued his degree in Finance from Rutgers University, Charles worked a full time schedule. Charles considers working in that business the hardest but also the most invaluable education he ever received.

All of which are attributes that Charles possesses, along with high energy, a strong work ethic, and a positive attitude. Charles’ driven personality can best be captured by this quote, which hangs on his office wall: “Greatness is achieved not when a great result is reached, but long before that, when an individual makes the choice to do what is necessary to become great.”

Charles is strongly dedicated to giving back and invests significant time and energy as a Board member to a flagship charitable organization in his community.

Charles and his wife, Marlene, have four children and live in Brooklyn. Outside of work Charles expresses his creativity by playing guitar.

Caren Sgarlato was born and raised in Dyker Heights, Brooklyn. She has been in the financial services industry for over 25 years serving various roles. While completing her bachelor’s degree at New York University, Caren started her career at Bankers Trust Company on the Fixed Income trading floor financing the bank’s billion dollar portfolio. Being downsized in 1991 she pursued medicine as an alternative career which led her to become an EMT and Paramedic at St. Vincent’s Hospital in New York City.

She has been working in the financial field for the past 17 years at firms such as Merrill Lynch, Wachovia, MetLife and is currently a Financial Planner with Fortis Lux Financial, working with high net worth individuals and small businesses helping them to protect assets and create legacies.

She is a member of the local BNI chapter of Bay Ridge, Brooklyn where she has served as President and Treasurer. She is active in the community of Bay Ridge and has done volunteer work with the American Cancer Society’s Brooklyn Chapter and served on the junior board as well. In 2016 she was the recipient of the Star Network of Brooklyn’s Power Women in Business award.

In her downtime Caren enjoys cooking and trying new recipes. She travels and participates in spin cycling and working out at the local gym. She golfs and downhill skis as well.

Domiciled in NY.

Brian Gaine is a financial advisor who joined the firm in 2018.  He works with executives and corporate clients across the country. He specializes in integrated insurance, wealth management services, and estate planning solutions. Additionally, with his business and corporate clients he helps design executive carve-out plans as well as strategies to help retain and attract key talent.

Prior to joining Fortis Lux, Brian previously spent 20 years at Northwestern Mutual and MassMutual Westchester.

Brian enjoys traveling with his family as well as backcountry skiing, hiking, and fishing.

CA Insurance License No. 0D70564

CRN202510-3134060

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Brandon Cohen graduated from Cornell in 2013 with a dual major in Economics and History. Upon graduation, he worked as an analyst for Morgan Stanley and Merrill Lynch.

Specializing in blending wealth management and protection planning strategies, he joined Hudson Wealth Advisors in 2015 to help his clients achieve their financial goals. In 2016, Hudson Wealth Advisors and MetLife Premier Client Group were merged into Fortis Lux Financial.

Brandon lives in New York City and is an active member of both the NY Historical Society as well as the Cornell Club. He enjoys travelling, reading, and staying active during his free time.

Balaji Sathrugnan joined Fortis Lux Financial in June 2020 to further expand his life insurance expertise and knowledge of the financial services industry. He also saw a great opportunity to leverage his international experience in order to increase the firm’s stake within the South Asian Market.

He specializes in life insurance and retirement products and has a command of retail and corporate client requirements. At Fortis Lux, his focal point has been on the customization of retirement benefits and financial planning for business owners. Attending to high net worth and salaried individuals, he’s carefully guided clients to achieving some of their high priority financial goals.

“I like how the staff (that are) involved in the operational tasks, stand out in efficiently handling client inquiries at Fortis”, Balaji says. This is part of what drew him to the firm- having experienced success for over fifteen years in life and retirement planning sales, he believes that the “client is king” (or “queen”) of the financial services domain. Fortis Lux provides him with a conducive work arrangement, flexibility and optimal alternatives based on unique client requirements.

Balaji knows himself to be a self-driven and perseverant person. His strength is to build and develop new relationships, nurturing them with efficacy and humility.

An ardent cricket and tennis fan, Balaji has followed both sports since early childhood. Now, he coaches for his son - Sachin Tendulkar, whose namesake is a famous cricket player from Balaji’s youth. They currently reside in Princeton, New Jersey. A family of four, they not long ago, discovered their new charming home.

With a Bachelor of Science degree in Marketing under her sleeves, Anita arrived in New York City from the Philippines, shortly thereafter, she took an Associate degree in Accounting at Baruch College, which eventually led to doing accounting & credit analysis work for Hambro/ M&T Bank for nine years.

In 1980, Anita joined METLIFE, with a simple philosophy that you want to treat your clients the way you want to be treated. Giving importance to what the client needs and earning their trust through educating them and teaching them on how to protect every asset they gain.

First year into the business, she became Rookie of the Year in her Region. She also held the branch manager position for the Canal Branch, NY in 1989. Having almost 3,000 plus clients to date, and recipient of numerous commendations and member to the some of the most prestigious groups in the industry- like the President John Creeton Award 1988, Life Member of Chairman Council 1990, and Million Dollar Round Table (MDRT) 1990, all of which are tributes to the high level of competence, consistency, and sales achievement she has displayed through the years. Topping the list would be her induction as the first female awardee to Metropolitan’s Hall of Fame in 1998.

She is currently a Financial Adviser & Registered Representative for Fortis Lux Financial.

Andrew began his investment advisory career in 1996 with Professional Planners Group in New York City. After 5 years of being with this firm, he made the transition to MetLife. Andrew was with MetLife for 17 years until Massachusetts Mutual Life Insurance Company (MassMutual) acquired the MetLife Premier Client Group in 2016. Andrew is currently an Investment Advisor Representative with Fortis Lux Financial. He focuses on asset accumulation, retirement income planning, wealth distribution strategies and protection planning.

With 21 years in the financial services industry, Andrew has realized that knowledge is the key to a successful financial future. With his background, experience and commitment to providing clients with the resources they need to make financial decisions, can help make their financial future successful. He is committed to forming long-lasting relationships with my clients and developing customized strategies to help them prepare for any or all of life’s milestones. This helps him recommend products and strategies designed to client’s needs, and more importantly, their future needs.

Andrew graduated with a B.A. in History from Washington University in St. Louis in 1986. In addition to holding an MBA from Fordham University, Andrew received his CFP® certification in 2005. Andrew resides in Princeton Junction, New Jersey, with his wife Cynthia, daughter, and son.

A good financial plan can change the trajectory of your life. A strategic financial plan that’s comprehensive and doable is the foundation of my practice.

As a Rotarian, “Service Above Self” is the motto I live by. Early in life, I decided to focus on helping others. The key numbers I track in my life are the number of people I have helped and the impact I’ve been able to make on their lives.

With over twenty years of financial services experience, I focus on personal financial security planning that includes Insurance Planning, Investment Planning, College Funding Planning and Retirement Planning. I am proud to have helped and strive to continue to help my clients glide from saying “I wish I had” to “I am glad I did.” I work with a team of peer experienced financial professionals who take pride in what they do. My aim is to bring you the peace of mind of knowing that you are prepared for your financial future.

CRN202406-271104

Alyson graduated from the School of Communication and Media at Montclair State University with a B.A. in Public Relations. While she attended this University, she worked on various projects with different organizations. Her biggest accomplishments included organizing and guiding team members to produce a successful transmedia campaign for the metropolitan opera guild and developing a public relations campaign for the USGA.

These opportunities gave her the confidence to make the transition from school to the financial services industry. Her open-mindedness and creativity have allowed her to implement marketing initiatives for Fortis Lux Financial that will help them expand and grow. She also focuses on helping financial professionals advance their careers through social media.

Alyson resides on the Upper West Side and enjoys traveling in her spare time.