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LEGAL

Terms of Use

UPDATED AS OF: August 28, 2026

This website and its interactive features, applications, social network pages, and microsites (the "Platforms") are operated by Fortis Lux Financial, Inc. ("Fortis Lux Financial") and its affiliated companies and sales representatives ("we," "us," or "our"). Fortis Lux Financial serves people who want a clearer way to manage their financial lives and work toward their goals, through one relationship, a more comprehensive view of their financial situations, and guidance designed to adapt as their needs and goals evolve over time. We serve clients across the country, and each client works directly with a dedicated financial professional who provides consistent guidance and a long-term perspective. Fortis Lux Financial operates as an agency of Massachusetts Mutual Life Insurance Company ("MassMutual"). Through the Platforms, and through MassMutual's broker-dealer, MML Investors Services, LLC, we make available life insurance, annuities, disability income insurance, variable annuities, variable life insurance, mutual funds, and other investment products. The Platforms are not an environment for trading individual securities.

Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives is authorized to give legal or tax advice.

Please read this Legal Notice/Terms of Use ("Terms of Use") statement carefully before using the Platforms. By using the Platforms, you accept and agree to be bound by these Terms of Use and by our Online Privacy Policy, available at https://www.fortislux.com/policies/privacy. Additional legal notices, terms and conditions regarding our affiliates, MML Investors Services, LLC, or the use of certain of the Platforms may be found elsewhere on the Platforms or on such company's own website. Fortis Lux Financial is part of a group of separately operated, affiliated Fortis-branded businesses. These include a separate investment adviser registered with the U.S. Securities and Exchange Commission and a separate insurance brokerage, Fortis Strategic Partners, that offers products of multiple, unaffiliated insurance carriers on an open-market basis. Those affiliated businesses operate their own websites and are governed by their own terms of use and privacy policies. These Terms of Use apply only to the Platforms operated by Fortis Lux Financial and do not govern the websites or services of those separate affiliated businesses. Those additional legal notices, terms and conditions apply with regard to the matters specifically addressed by them. In addition, you may be required to affirmatively consent to additional terms and conditions in order to use certain of the Platforms.

1. Eligibility

In order to use the Platforms, you need to (a) be 18 or older, or be 13 or older and have your parent or guardian's consent to these Terms of Use; and (b) have the power to enter a binding contract with us and not be barred from doing so under any applicable laws in your place of residence. If you do not agree to these Terms of Use, you should not access or use the Platforms.

2. Changes to the Terms of Use

We may revise and update these Terms of Use from time to time. If we make any material changes, we will post a notice on the Platforms prior to the change becoming effective. By continuing to use the Platforms, you agree to any changes or updates.

3. Access and Security

You should be aware that, in general, information sent through the Internet is not secure. Email services that may be provided through the Platforms generally are not encrypted and do not provide a secure and private means of communication with us. Certain services offered on the Platforms do provide a secure means to communicate with us, and you will be advised when you are using such a service. While Fortis Lux Financial may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. To protect your own privacy, confidential and/or personal information should only be communicated by email when you are advised that you are using a secure mechanism.

We cannot guarantee or warrant that any part of the Platforms, including files available for download, is free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as use of an anti-virus software package, to protect your computer hardware and software.

4. Online Accounts

Certain portions of the Platforms may be protected by passwords or require use of a Personal Identification Number ("PIN") in order to access your policy, contract, certificate or account ("Account") information. You agree to provide Fortis Lux Financial with current, complete, and accurate information about you as prompted by the applicable registration process, and you agree to regularly update this information to maintain its completeness and accuracy. You agree to use the Platforms to access only those Accounts on which you are authorized to act, and you agree to use your own user names, PIN and security questions and answers when accessing Accounts on which you are authorized to act. You agree not to obtain or attempt to obtain unauthorized access to the Platforms through any means not intentionally made available to you by Fortis Lux Financial.

You are responsible for maintaining the confidentiality of any Account information, user names, logins, passwords, your PIN and any security questions and answers that you, or another person or entity authorized by you, use to access any page or feature on the Platforms, and for logging off of your Account and any protected areas of the Platforms. Further, you are fully responsible for all activities, including any transactions entered into, under your Account, PIN, user names, passwords, and security questions and answers that result from your negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. If your PIN, account numbers, or other security details are lost or stolen, or you become aware of any suspicious or unauthorized conduct concerning your Account, you agree to contact us immediately. By accessing the Platforms in your capacity as a representative of another person or entity, including as a representative of a plan sponsor, an employer, a financial advisor, or a third-party administrator, you acknowledge and agree that you must timely communicate to us if you, or any other person or entity authorized by you to have access to the online account in such capacity, are no longer authorized to have that access. We will not be liable for any loss or damage arising from your failure to comply with this paragraph.

Products and services provided to you through the Platforms may involve the electronic transmission, including by means of any email address you provide to us, of information that you may consider to be personal financial information or promotional and marketing materials, and you consent to such transmission.

We reserve the right to discontinue electronic access to your Account at any time. We further reserve the right to modify the information contained on the Platforms or modify the availability of any transactions at any time. We may immediately and without notice terminate your ability to access your Account information if you violate the conditions of use stated in these Terms of Use or if you endanger the use of the services provided through the Platforms.

5. Products and Services

Please be aware that some products, services, product features or underlying investment options described on the Platforms may not be available in your jurisdiction and generally are not available outside the United States. The laws of each country, state, or territory may differ, and not all products and services are available in all locations. References to products or services unavailable in your jurisdiction do not imply that these products will be made available to you. Your eligibility for certain products and services is subject to final determination of underwriting qualifications or other eligibility criteria and acceptance by the applicable Fortis Lux affiliate or the issuer of such product or service.

Variable annuities, variable life insurance, and mutual funds are offered for sale by prospectus only. To request prospectuses containing more complete information regarding registered products available in your jurisdiction, including charges and expenses, please contact your registered representative of MML Investors Services, LLC. Read each prospectus carefully before you invest or send money.

To obtain additional information about products and services described on the Platforms, please contact us using the information in Section 19 below.

6. No Offers

The information contained on the Platforms does not constitute an offer or solicitation for the sale of any security, insurance product, or service in any jurisdiction where we are not licensed to conduct business or where the security or insurance product is not available for sale. Securities products are offered for sale by prospectus only.

No security or insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of that jurisdiction. Some products, product features, or underlying investment options may not be available in all states. Products are generally not available for purchase outside the United States. To obtain additional information about products and services described on the Platforms, please contact us using the information in Section 19 below.

7. Execution of Transactions

You may be able to conduct certain transactions through the Platforms, including, but not limited to, the ability to transfer funds among investment options and make payments. By using the Platforms to gain access to your Account or other personal information, you consent to the electronic transmission of that information. You can only execute transactions, or obtain personal account information, by following the instructions stated within the appropriate log-on section of the Platforms. When using the Platforms to execute transactions, problems may occur that are beyond our ability to correct. Access to the Platforms may be limited or unavailable during periods of peak demand, systems upgrading, maintenance, or for other reasons. If you are not able to complete your transaction due to a system failure, fail to receive written confirmation of a transaction or its execution, if applicable, or receive confirmation of a transaction you did not request, you must contact us immediately. We will not assume responsibility for such system failures and errors.

8. Third Party Content, Products and Services (Including Links)

We permit links from other websites and provide links to other websites simply as a convenience to visitors, and when you click on these links you are leaving our Platforms. The existence of a particular link does not indicate an endorsement by us of the linked site. Unless otherwise indicated, the linked sites are not under our control or the control of any of our affiliated companies, and we are not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such sites. We make no representations about the accuracy or completeness of the information contained in any linked sites and assume no liability for the content or presentation of linked sites. The operators of those other websites may collect information about you through the use of cookies or other web technologies, and we have no control over the privacy or security practices of those third parties. We recommend that you review the privacy, security and terms of use policies and notices of any linked website you may visit.

We are not responsible, and assume no liability, for content displayed on the Platforms that may be provided by another party. We are not responsible for the accuracy or completeness of any such content. We reserve the right, in our sole discretion, to remove links to other websites at any time.

9. Permissible Use of Materials

All of the information and content on the Platforms, including but not limited to all text, graphics, images, software applications and code, video, audio, and user interface design ("Platform Materials"), is the property of Fortis Lux Financial or its affiliates, or is being used by Fortis Lux Financial with the express permission of a licensor, and is protected by United States and foreign copyright laws and conventions. These Terms of Use permit you to use the Platforms for your personal, non-commercial use only, and you may download or print a copy of the information or materials contained on the Platforms for lawful, personal, non-commercial use only, provided that the copy retains all copyright and other proprietary notices contained on the materials. Any other copying, republication or redistribution, reproduction, uploading, posting, or transmittal of the text or graphics of the Platforms is expressly prohibited without our prior written permission. You can request permission by contacting us using the information in Section 19 below.

You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of, or use any aspect of the Platforms or the Platform Materials for commercial or public purposes or for any other purpose not expressly permitted by these Terms of Use. The use of the Platform Materials on any other site or in a networked computer environment for any purpose, or any other republication, redistribution or use of the Platform Materials, including, without limitation, framing the Platform Materials within another site, is expressly prohibited without our prior written permission. 

For Fortis Lux contracted financial professionals and advisors who access the Platforms in connection with their professional practice, these Terms of Use also permit use of the Platform Materials for their own internal professional use in that practice, provided that each copy retains all copyright and other proprietary notices, and provided that any use of the Platform Materials beyond ordinary internal professional use requires no less than thirty (30) days' prior written notice to a member of Fortis Lux Financial's executive leadership. 

Notwithstanding any license or permission granted under these Terms of Use, we may revoke, suspend, or modify this license, or your permission to use any Platform Materials, at any time and for any reason in our sole and absolute discretion, with or without notice to you.

10. Trademarks, Service Marks, and Logos

The trademarks, service marks, logos, URLs and domain names, registered or not, appearing on the Platforms, including, but not limited to, the name "Fortis Lux Financial," the Fortis Lux Financial logos, the Fortis flame mark, and combinations and variations of the foregoing, are trademarks or service marks of Fortis Lux Financial, Inc. or its affiliates (the "Marks"). Registered Marks include the Fortis flame mark, U.S. Patent and Trademark Office Registration No. 5646712. You may not use, copy, download, display, transmit or modify any Mark in any way without our prior written consent.  You may not include the Fortis Lux Financial name, any Mark, or any variation of the foregoing as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, endorsement or any other relationship between the Platforms, Fortis Lux Financial or any affiliate and any other site, person, entity or organization. Unauthorized use may violate trademark and other laws. Marks of third parties appearing on the Platforms, including those of MML Investors Services, LLC, remain the property of their respective owners and may not be used without the owner's permission.  

11. License to Conduct Business / Regulatory Status

Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. The supervisory office for those services is located at 420 Lexington Avenue, 25th Floor, Suite 2510, New York, NY 10170, telephone (212) 578-0300. Background information regarding registered representatives and broker-dealers is available through BrokerCheck by FINRA. Fortis Lux Financial conducts business as an insurance agency of MassMutual. Insurance products offered through the Platforms are primarily those of MassMutual and its affiliated insurers. Variable annuities, variable life insurance, and mutual funds are securities and are offered only through MML Investors Services, LLC.

Fortis Lux Financial, Inc. is a New York Corporation. Insurance and other products and services described on the Platforms are offered only in jurisdictions where the applicable entity and its representatives are properly licensed or registered. Applicable licensing information is available at https://www.fortislux.com/policies/licensing. The Platforms are not intendedas a solicitation in any jurisdiction in which Fortis Lux Financial, itsaffiliates, or its representatives are not authorized to transact business.

12. Electronic Notices; Mobile Devices

You may elect to receive certain documents that we choose to make available to you electronically, including, but not limited to, prospectuses, notices, disclosures, and other communications for your Account through the Platforms. By accepting the separate terms of our electronic delivery service, you agree that the documents we provide to you through that service satisfy any legal requirement that such communications be in writing.

Through use of the Platforms, you may be able to: (a) upload content to the Platforms by means of your mobile device; (b) browse the Platforms from your mobile device; and (c) access certain features you have downloaded and installed on your mobile device. In order to do so, you must have a mobile communications subscription with a participating carrier, or have the consent of the applicable subscriber, or have access to a mobile communications network. You are solely responsible for paying any service fees associated with any such access, including text messaging and data charges for each text message and any data you send and receive on your mobile device, as applicable. You must provide all equipment and software necessary to connect to the Platforms, including a mobile device that is in working order and suitable for use in connection with the Platforms. You must ensure that your device and software do not disturb or interfere with the Platforms, including the operation of the Platforms. Any equipment or software causing interference will be immediately disconnected from the Platforms, and we may immediately suspend or terminate your further use of the Platforms. If any upgrade to the Platforms requires changes in your equipment or software, you must make these changes at your own expense.

You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers, and other subscriber and device details, if available, to Fortis Lux Financial and its service providers for the duration of the business relationship, solely for identity verification and fraud avoidance. See our Online Privacy Policy for how we treat your data.

13. Jurisdiction; Governing Law

We operate the Platforms in and in accordance with the laws of the United States and New York State. We do not represent that the Platforms are appropriate or available for use in other locations. Access from certain locations may be strictly prohibited. Those who access the Platforms do so on their own initiative and are responsible for compliance with all applicable local laws. The laws of the State of New York will govern any claims relating to the information contained on the Platforms, without giving effect to any choice or conflict of law provision or rule.

If you take legal action relating to the Platforms, you agree to file such action only in the state and federal courts located in New York County, New York, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

14. Disclaimer of Warranties

EXCEPT AS PROHIBITED OR LIMITED BY LAW, YOUR USE OF THE PLATFORMS, ANY CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORMS IS AT YOUR OWN RISK. ALL INFORMATION PRESENTED THROUGH THE PLATFORMS IS FURNISHED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY. WITHOUT LIMITING THE FOREGOING, FORTIS LUX FINANCIAL DOES NOT REPRESENT OR WARRANT THAT THE PLATFORMS, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THEREIN WILL BE ACCURATE, ERROR FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PLATFORMS ARE FREE OF VIRUSES OR OTHER HARMFUL CODE.

15. Limitation of Liability

IN NO EVENT WILL FORTIS LUX FINANCIAL, ITS AFFILIATES, EMPLOYEES, AGENTS, REPRESENTATIVES, OFFICERS OR DIRECTORS (THE "FORTIS LUX FINANCIAL PARTIES") BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE PLATFORMS, ANY WEBSITES LINKED THROUGH THE PLATFORMS, ANY CONTENT ON THE PLATFORMS, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORMS, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, AND LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

16. Indemnification

YOU AGREE TO RELEASE, DEFEND, INDEMNIFY AND HOLD HARMLESS THE FORTIS LUX FINANCIAL PARTIES FROM AND AGAINST ALL CLAIMS, ACTIONS, DEMANDS, LIABILITIES, COSTS AND EXPENSES, INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS' FEES, RESULTING FROM YOUR BREACH OF ANY PROVISION OF THESE TERMS OF USE, OR ANY WARRANTY YOU PROVIDE UNDER THESE TERMS OF USE, OR OTHERWISE ARISING IN ANY WAY OUT OF YOUR USE OF THE PLATFORMS. YOU AGREE TO COOPERATE FULLY WITH FORTIS LUX FINANCIAL IN ASSERTING ANY AVAILABLE DEFENSES IN CONNECTION WITH A CLAIM SUBJECT TO INDEMNIFICATION BY YOU UNDER THESE TERMS OF USE.

17. No Legal or Tax Advice

The information provided on the Platforms is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. Fortis Lux Financial, MML Investors Services, LLC, and their subsidiaries, employees and representatives are not authorized to give legal or tax advice. You are encouraged to consult your own personal attorney, legal counsel, or tax counsel for advice on specific legal and tax matters.

18. Forward-Looking Statements

Certain statements contained on the Platforms are statements of future expectations and other forward-looking statements that are based on current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to, without limitation, general economic conditions, the performance of financial markets, interest rate levels, changes in laws and regulations, changes in the policies of central banks or governmental authorities, and general competitive factors, in each case on a national, regional or global basis. Fortis Lux Financial does not undertake any obligation to correct or update any forward-looking statements on the Platforms.

19. Contact Us

If you have any questions regarding these Terms of Use, please contact us at:

Fortis Lux Financial, Inc.
420 Lexington Avenue, Suite 2510
New York, NY 10170
info@fortislux.com  (212) 578-0300

Correspondence may also be directed to: 

Fortis Lux Financial, Inc. 

120 White Plains Road

Tarrytown, NY 10591.

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Edward Zang

Edward Zang

Director of Research and Analysis

Edward is the Director of Investment Strategy for New York City based Fortis Lux Asset Management. As of 2025, he oversees more than $2 billion in multi-asset class investment portfolios. He has 25+ years of wealth management experience, beginning in 1999 with Morgan Stanley Dean Witter in Greenwich, CT.

Edward operated his own wealth management outfit in New York which he ran until 2011 prior to joining MetLife Premier Client Group (now Fortis Lux Financial. He is committed to offering the highest level of investment techniques and investment research; his extensive knowledge of investing allows him to provide complex strategies and comprehensive portfolio management suitable for high net worth investors. The approach he uses for investment research and risk assessment utilizes a combination of fundamental and technical analysis.

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

Edward is a BSME graduate of Lehigh University, class of 1996.

Samuel Gordon

Samuel Gordon

Research Analyst

Sam Gordon is a Research Analyst with Fortis Lux Financial, based in New York City. He specializes in portfolio construction, tactical asset allocation, investment product selection, and trading. For the last decade, Sam has helped advisors and their clients better understand their current investment positioning and capitalize on ever-changing market opportunities.

Sam began his career at a boutique equity research firm, analyzing individual company fundamentals to advise on the construction of institutional portfolios. He moved into personal wealth management in 2020, leveraging those security-level analytical tools to help financial advisors build goal-oriented strategies for their clients. He holds a B.S. in Finance and in Marketing from Lehigh University (class of 2015), maintains Series 7 and 66 licenses, and is currently pursuing his CFA (Chartered Financial Analyst) designation. Based in Brooklyn with his wife Emily, Sam enjoys adventurous travel, golfing, cooking, and historical documentaries.

Lisa Fischetti

Lisa Fischetti

Director of Relationship Management

Lisa began her career External Wholesaling to Financial Advisors within Financial Institutions at AIG SunAmerica, She has continually progressed in her career to National Sales positions of greater scope and responsibility, from AIG National Accounts, to Wells Fargo Advisors where she covered Bank, Wire and Independent Channel Relationships for the National Sales Group. Most recently, Lisa represented the MetLife Securities Broker-Dealer covering the MetLife PCG Advisors Channel which was later acquired by MassMutual. Lisa continues her work in national sales, previously represented MetLife Securities covering the MetLife Advisors Channel, which was later acquired by MassMutual.

Lisa offers a blend of financial services multi-channel wholesaling and relationship management. Her strong sales experience and sales management expertise have been valuable to her success in penetrating target markets, generating additional sources of revenue, and forming strategic relationships.

Stephen Cohen

Stephen Cohen

Executive Vice President

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.


Ronnie Don

Ronnie Don

Financial Advisor

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.


Nilay Patel

Nilay Patel

Investment Registered Representative

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.

Michael Luftman

Michael Luftman

EVP, Head of Wealth Management

Michael Luftman brings nearly three decades of experience to the individuals and families he serves. He began his career in 1997 in PaineWebber's Investment Banking Program, then built his practice as a financial planner with Scher Financial Group, a MetLife office, before founding Hudson Wealth Advisors. In 2016, following MassMutual's acquisition of the MetLife Premier Client Group, he merged Hudson Wealth Advisors into Fortis Lux Financial, where he now leads the wealth management practice.

Michael is committed to building long-term relationships, and helping clients reach their goals is his first priority. He focuses on wealth management and investment strategy, protection, and retirement planning, drawing on deep experience and world-class planning tools to help each client build lasting financial freedom.

EDUCATION

  • B.S. in Finance, Pennsylvania State University
  • International Finance and Taxation, University of Seville, Spain

DESIGNATIONS

  • ChFC®, Chartered Financial Consultant
  • CASL®, Chartered Advisor for Senior Living

INDUSTRY LEADERSHIP & HONORS

  • Fidelity Advisory Council, Member (2001 to present)
  • BlackRock Masters Club, Member (2007 to present)
  • MetLife Securities Advisory Board, Member (2004 to 2016)
  • Professional memberships: NAIFA, FPA, and IAFP; former advisor, NFL Financial Advisory Program

COMMUNITY

Outside the office, Michael coaches two baseball teams in his community and runs 5K races alongside his children to support veterans' and cancer charities. He mentors through the Veterans Association and is an avid reader of military history, including non-fiction on the Navy SEALs and Special Forces.

Ken Weiss

Ken Weiss

Financial Planner

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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Jason Klein

Jason Klein

Financial Planner

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.

Edward Kovac

Edward Kovac

Investment Advisor Representative

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.

Brandon Cohen

Brandon Cohen

Financial Services Representative

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.