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36 Main Street, Easthampton, MA 01027 | (413) 529-1901



We believe our teamwork approach adds a broader perspective to all we do and provides increased benefits to our clients.

Our team of financial professionals can help you address:

  • Investing principles and strategies
  • Retirement investing and distribution strategies
  • Estate conservation issues
  • Risk management

We also can answer your questions, including:

  • Can I retire early?
  • Are my investments working hard enough?
  • What’s the best approach for college savings?
  • What are the elements of a sound estate strategy?
  • Do I have enough life insurance for my family?

Our experienced professionals have helped many people just like you with similar issues and concerns. We specialize in creating an approach that is designed to address your individual situation.


Raymond Lacourse started ESB Financial Services, a division of Easthampton Savings Bank in 1999 as its first Investment Advisor and Program Manager. Ray attained The Certificate in Financial Planning from Boston University in 2003 and...

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Kristine A. Koczajowski, CFP®

ESB Financial Services, Vice President

(413) 529-1901

(413) 529-2564

Kristine started with Easthampton Savings Bank in 1995 holding various positions in the Retail Banking area, lastly as an Assistant Branch Manager, before moving to the Financial Services Division in 2001. She currently manages over...

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