Meet our Professionals

Raymond Lacourse

Raymond Lacourse, CFP®


CERTIFIED FINANCIAL PLANNERTM, Professional
Vice President, ESB
LPL Registered Principal

Biography
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 his CFP® certification in 2004. He was awarded an MBA from American International College in 2014. Ray is supported by a Registered Operations Associate and a Client Relations Associate.

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Ray’s prior experience includes a position as an Investment Advisor with FIS Securities, the wealth management division of Fleet Bank. He also worked as a licensed insurance and registered securities representative for New York Life Insurance Company. Ray started his career in the securities business with Wedbush Securities located in Los Angeles, CA.

Ray holds FINRA Series 6, 7, 24, 63 and 65 securities registrations at LPL Financial. He also holds a Massachusetts Insurance Producer license.

Ray’s professional and community activities include membership in the Hampden County Estate Planning Council and the Southampton Lions Club.  He is an adjunct professor in the MBA program at Elms College in Chicopee, MA.

Ray’s outside interests include playing golf, fly fishing, biking and snowshoeing. He is a fan of all New England professional sports teams. Ray resides in Southampton with his wife Linda who is a Speech Pathologist and Principal at the Curtis Blake Day School in Springfield. He has two adult children; a son who is a Paramedic and a daughter who is a Physician’s Assistant.

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Kristine Koczajowski

Kristine Koczajowski, CFP®


CERTIFIED FINANCIAL PLANNERTM, Professional
VP Financial Services, ESB
LPL Financial Consultant

Biography
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 $46 million in brokerage and advisory assets supported by a Registered Operations Associate as well as a Client Relations Associate.

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Kristine is committed to providing her clients exemplary service while working towards the goal of achieving financial success, allowing them to pursue their interests and hobbies.

Kristine was educated at the University of Massachusetts as a Legal Studies major. She is a CERTIFIED FINANCIAL PLANNERTM Professional, earning her Certificate in Financial Planning from Boston University. She holds FINRA Series 7 and 66 securities registrations with LPL Financial as a Financial Consultant of LPL Financial.

Kristine is active in the community and is a member of the Easthampton Rotary Club and volunteers for Chamber of Commerce events throughout the area. She is currently serving on the Board of Directors and Finance Committee of Hitchcock Center for the Environment. 

In her free time she enjoys playing with her dog Daisy, gardening and cooking for family and friends. 

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