Important Notice to Visitors This site is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any securities or investment advisory services which may be referenced herein. We may only offer services in states in which we have been properly registered or are exempt from registration. Therefore some of the services mentioned may not be available in your state, and if not, the information is not intended for you.Due to various state investment regulations and FINRA registration requirements concerning the dissemination of information on investments, access to this site is limited to residents of Oregon, Washington, and California. Investment advisory services are provided to residents of Oregon, Washington, and California.Securities and Advisory services offered through KMS Financial Services, Inc. Member FINRA, SIPC and an SEC Registered Investment Adviser2001 Sixth Ave. Suite 2801, Seattle, WA 98121 206/441-2885 We are a licensed life, health, and variable insurance agency in the state of Oregon (License: pending). Individual agents are licensed in Oregon (License: 105026), Washington (License: 37108/), and California (Agent: Michael Albert Smolak, domiciled in the State of Oregon, P.O. Box 1442, Lake Oswego, OR 97035, License: 0B97543). By entering this web site you are acknowledging that you are a resident of one of the above states or a non-USA resident.Information you enter on the forms on this website are not encrypted, unless the page you are viewing states that it is security protected. Your requests for quotes or information are sent by unencrypted email. Quotes for the purchase of Term Life Insurance, and Travel Insurance are directed to third-party websites.Any Links are maintained by independent third parties over which we exercise no control; and we do not endorse or sponsor such third parties or their websites, and are not necessarily affiliated with any such third party.