About C​​​​​arter

With 13 years of experience assisting clients, Carter prides himself on helping his clients develop personalized retirement strategies that allow them to reach their retirement goals. Raised in the financial industry, his parents worked to help clients plan retirement for over 40 years.

Joseph Carter Gray is a Chartered Life Underwriter®, a graduate of the University of Washington and an educator of Patrick Kelly’s concepts.

Specializing in advanced case design, Carter helps people create Tax-Diversification in order to hedge against higher tax rates in the future as well as converting people’s old 401’s and IRA’s into guaranteed income streams for the rest of their lives.


Fortitude Financial Group delivers an exceptional client experience characterized by financial expertise and unmatched customer service. As a boutique consulting practice, we distinguish ourselves by tailoring solutions to the unique needs of our clients. Specializing in Tax-Diversification through holistic planning, our advisors empower you to build a financial legacy for future generations while guaranteeing an income you cannot outlive.

Integrity - What’s best for the client? That simple question is at the heart of every recommendation that we provide. Our team focuses on understanding your individual planning needs and providing comprehensive solutions. The heart of our success is your peace of mind.


(425) 246-1676