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Phone: (413) 566-2950 • Fax: (413) 566-3604

Registered Representative of an Securities offered through Cetera Advisors LLC, member FINRA/SIPC. Cetera is under separate ownership from any other entity. Practical Pension & Financial Services, Inc. is not a subsidiary of nor controlled by Cetera Advisors LLC.

Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.