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   “You may encounter many defeats, but you must not be defeated. In fact, it may be necessary to encounter the defeats, so you can know who you are, what you can rise from, how you can still come out of it.”
Maya Angelou
   stgermaininvestments.com octobermountainfa.com gagewiley.com
D.J. St. Germain Investment Management & Co., Inc.
1500 Main Street Springfield, MA 01115 T: 413-733-5111 F: 413-747-0848
October Mountain Financial Advisors is a d/b/a of St. Germain Investment Management in Berkshire County. Gage-Wiley is a d/b/a of St. Germain Securities, Inc.
New England Capital is a d/b/a of St. Germain Investment Management.
Member SEC, FINRA, SiPC
 FINANCIAL SERVICES
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