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Office: (413) 583-8585

Fax: (413) 583-6147

599 East Street

Ludlow, MA 01056

esokolowski@pvfinancial.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC marketed as Community Financial Services & Pioneer Valley Financial Group and are not insured by any credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guranteed by the credit union, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc., Luso Federal Credit Union, Community Financial Services & Pioneer Valley Financial Group are separately owned and operated and not independently registered as broker-dealers or investment advisers.

Luso Federal Credit Union and Raymond James have entered into an agreement in which Community Financial Services refers potential clients in exchange for a referral fee. Should you become a client, Luso Federal Credit Union would receive compensation. Luso Federal Credit Union receipt of this compensation creates an incentive for Luso Federal Credit Union to refer you to Raymond James rather than to other investment advisors with which it does not have similar referral arrangements, and a conflict of interest because Luso Federal Credit Union will only receive this compensation if you become a Client of Raymond James. Luso Federal Credit Union is not a current advisery client of Raymond James. You will receive additional detailed disclosures regarding the referral arrangement prior to compensation being paid to Luso Federal Credit Union.

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