Gerardo is a phenomenal tour guide, historian and storyteller. As it turned out no one but me and my wife wanted a tour of the financial district on this very cold day, so it was just us. This is not just a tour of Wall street, but a history lesson of the early days of NYC. (A lot of things you never knew or forgot) Everyone including locals that have not ventured down that way should take this tour. Gerardo was fantastic and very informative.