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Brady D. Schmidt, President & CEO


A Drama-Free Retirement Starts With Income You Can Count On

Create a safety-first retirement plan built around dependable income — with personal guidance from an experienced retirement specialist.

✓ Secure, reliable income
✓ Remove risk & sleep better
✓ A clear personal strategy


Why Retirees Work With Brady

Experienced guidance, proven results, and a calm process designed to help you make clear, confident decisions about your retirement income.

1

18 Year

Successful Track Record

Designing dependable, lifetime income strategies for people 55-75 who prefer a safety first approach

2

BBB Accredited

A+ Rated for Client Satisfaction

Have greater confidence in a validated financial professional structuring your retirement income needs

3

Specialization

Income Architect Over Portfolio Alone

Planning & Strategy Driven — not a generalized approach

4

Client Focused

Access to A+ Rated Fortune 500 Companies

Offering a plethora of options a captive advisor can't

Harvest Income Solutions & Insurance Services CA Dept. of Insurance License # 601042

Brady does not provide securities, tax or legal advice & nothing contained in this site should be construed as such. This site is for informational purposes only. Please review our Review Disclosures

"Brady has helped me with my retirement needs for over 18 years. I met him after my husband passed away. I felt overwhelmed by all the financial decisions. Brady made everything easy to understand & helped me get my finances organized and secure during a very hard time. I’ve felt safe and confident about my retirement all these years."

MM, CA

A Reliable Plan is Built On Precision Not Generalizations

  • Social Security, pension, and certain retirement plan distribution decisions may be irreversible.
  • A skilled professional is likely to deliver far better outcomes than a generalist.

In your search for competent retirement guidance it's important to know the difference between a specialist and a generalist

The Generalist Approach

Fragmented or No Strategy Guidance is generally lacking focused planning and skilled coordination of distribution sources, benefits & opportunities may fall through the cracks & often do. Focused on Portfolio & Products They often are products & portfolios driven without a specific plan in place. A retirement future without a plan can be filled with uncertain & risk. Higher Risk of Costly Mistakes Irreversible decisions at 55+ can't be undone. Mistakes are expensive without time to recover. Reactive, Not Proactive Responds to life events instead of anticipating and preparing for them. Responses may be too late. Average Outcomes The generalized approach may lead to mistakes & lost opportunities as what works for the general populous doesn't necessarily work for retirees. This is not to say there aren't skilled professional general practitioners that care about their clients, there are. We don't go to a GP for a procedure best suited for a specialist. The Specialist Approach Income Architecture Synchronizing retirement accounts, social security, pension, investments, taxes & healthcare for a well thought out & cohesive plan Optimize Distribution Priorities Strategically determines when and how to take income to maximize lifetime benefits. Products always come after a personal plan is established Prioritizes Defensive Strategy A specialist helps mitigate risks & if appropriate offers the risk averse strategically constructed insurance solutions for a reliable & predictable income. Proactive & Forward-Looking Anticipates future changes & designs a strategy that remains strong in good or bad economic conditions. Growth in the good years, a safety-net against loss in the bad years & income that cannot be outlived. Predictable Outcomes & Less Stress A specialist builds on reality and accuracy not hope and chance. A prudently crafted income strategy a risk averse retiree can feel confident about knowing it will be reliable whatever the future holds.

Changes You Can Expect Working With Me

From being stuck on complexity to moving forward with clarity

From uncertainty to seeing the future with greater confidence

From having no plan to a having a customized personal strategy

From anxiety about the unknown to knowing exactly what to expect

Proven Results, Real Relationships

Client Appreciation Cruise- Channel Islands

Retirement celebration with friends & client

Are My Strategies Right For You?

These fine tuned, time tested strategies are designed for the 55 to 75 who:

  • Prefer safety over speculation
  • Are within 5 years of retirement
  • Are already retired
  • Have retirement assets of at least $250,000
  • Don't have a plan
  • Have a plan, but want a second opinion

No AI, No jargon, no pressure to do anything, just a conversation about getting you where you want to be.

Retirement Planning Can Be Overwhelming

Here's our approach to helping people get past the hurdles & move forward with clarity

1

Information Overload

You have a lot of facts, but struggle to see the big picture. Complexity causes confusion.

Our Approach:

We cut through the noise with a clear, proven strategy focused on your actual goals.

2

Conflicting Advice

More than ever, different opinions from every direction make it hard to know what path to take.

Our Approach:

You get a custom one page plan you can refer to for years ahead with clarity and confidence.

3

Too Many Choices

Many choices we need to make are irreversible. It's easy to freeze in fear of making a mistake.

Our Approach:

We focus only on the steps you actually need, skipping the fluff, generic, cookie-cutter advice.

4

The Wrong Advisor

Advisors often push products rather than building a real strategy.

Our Approach:

We put the plan first. Solutions only come after we have a clear strategy that works for you.

5

Past Disappointments

Past financial losses make it hard to trust again, especially with your life savings you depend on

Our Approach:

We move at your pace to rebuild your confidence with honesty and a proven track record.

6

Negative Narratives

"It's too late to start" ,"My finances are a mess" ,"I'm not where I should be"

Our Approach:

The past is the past, let's start today & create a blueprint for a better, more secure future

You Deserve To Feel Confident About What Comes Next.

  • Peace of mind comes from knowing, not guessing or leaving things to chance.
  • The good news is that you don't have to figure it all out on your own.
  • We'll help you get the clarity you seek.

"We listened to Brady's radio show for years. When I retired, my retirement account manager wanted to move my money into a new portfolio, but they ignored my concerns. We often heard Brady talk about safer retirement options on his show, so we knew who to call when the time was right"

R&C N.,CA

Why Work with An Independent Versus a Captive Agent?

As an independent I’m able to bring together tools, strategies, and proprietary products from a plethora of A+ rated, Fortune 500 companies that aren’t available directly to the public—or most captive agents that are limited to just what their company offers.

I know this from experience as I once was a captive agent for a fortune 500 financial Institution.

And I say this for clarity, not competitively. There are qualified professionals that are captive as well. It's really a matter of your preference & ultimately what you feel comfortable with.

An independent has more arrows in his or her quiver to hit the targets you are looking for.

Be a Meaningful Specific, Not a Wandering Generality

Zig Ziglar

Years ago Mr. Zig Ziglar was instrumental in my decision to be a "meaningful specific", to excel at retirement strategies that benefit people 55 to 75. It's good advice for retirees as well, specifics can be more meaningful than generalities if properly designed in your retirement strategy.

For many years Brady has guided me to a strong & solid financial future. His consistent, clear & prompt communication provides me with a sense of security. Brady has proven to be credible and honest. My money worries do not exist in my retirement chapter.

Thank you, Brady

RM, Los Angeles,CA

Our Income strategies for people 55 to 75 are what makes a drama free retirement possible.

Our award winning strategy coordinates retirement assets, social security, pensions & other elements and distills them into an organized and easy to understand income plan. Designed to meet your retirement income needs for life.

Hypothetical example

Ready For a Drama-Free Retirement?

Here are 3 Easy Ways to Find Out If We're the Right Fit

Start a Conversation

Schedule a free 15–30 minute discovery call. No sales pitch, no pressure — just an honest conversation about where you are and where you want to be.

Get A Sample Plan

Not ready for a call? We'll email you a customized preliminary Income Master Plan™ based on your situation —no charge and no obligation.

Take the Course

Prefer to learn more first? Enroll in my free 45-minute Income Master Plan™ orientation course — Exclusively for people ages 55–75.

"I have been a client of Brady for the last 10 years. He is knowledgeable, professional, caring & kind. I have always felt confident knowing that Brady could see and organize what I needed to secure my future. He is smart, reliable and is always there when I give him a call or email. He is friendly, easy to talk with and I trust his guidance. He cares about Me.

DV, Ventura, CA

Trustworthy Answers. A Second Opinion. Competent Guidance.

Make sure you're on the right path, getting the right information & have clarity before you decide.

  • Do you have an existing plan that needs updating?
  • Can you benefit from an honest second opinion on your plan?
  • Curious how ready for retirement you are now or in the future?
  • Do you have questions about your IRA, 401k or other accounts?
  • Do you need some answers on some general planning questions?

Talk directly with Brady about whatever is on your mind concerning your retirement or retirement accounts. Get straightforward answers with no jargon, no obligations or pressure, just clarity.

My Quality Experience Guarantee

We all want to be treated politely & respectfully especially when reaching out to an advisor we have no history with. Let me put your mind at ease.

Should you schedule a call with me, here's what you can expect:

✅ An informational talk, no sales talk

✅ To be heard and understood

✅ To be respected — no rushing

✅ The freedom to ask anything

✅ That your concerns matter

✅ That it's OK to say no

Brady, thank you for being so patient and understanding! I can’t begin to express how helpful you've been in navigating my way to retirement!" My financial future is not scary after all! Sue V., CA

You Deserve a Secure Future.

It would be my pleasure help you have a pleasant journey toward a safe and more enjoyable retirement.

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Please review my licensing & scope of services disclosures

Harvest Income Solutions, Inc. & Insurance Services

Brady D. Schmidt, CA Dept. of Insurance Agent License# 0632846

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