Financial Strategies & Solutions is an investment and advisory service based in Bellingham, Washington and working with clients in several states from Washington to New York. Richard Gale has over 35 years of experience in financial services. He is a Chartered Financial Consultant (ChFC), Life Underwriting Training Council Fellow (LUTCF), and is a member and past president of the Northwest Washington Estate Planning Council.

Financial Strategies & Solutions is not restrained by a single company's products or compelled to use proprietary funds, in other words as a fiduciary, we work for you, not our venders. Securities and advisory services are offered through KMS Financial Services, Inc., based out of Seattle, Washington. KMS is a broker dealer and registered investment advisor modeled to cater to clients rather than shareholders.