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A Drama Free Retirement Starts With Income You Can Count On
Retirement security built on strategies that deliver guarantees over empty promises
If you're age 55–75 and want a safe, straightforward retirement plan — you're in the right place. This site is committed to providing:
  • Clarity over complexity
  • Predictability over chance
  • Peace of mind over market anxiety
Income Architecture is a more reliable path to retirement- It's a holistic approach- a portfolio is not a plan
-Brady Schmidt,Women's Reporter
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Straightforward, Positive, Financially Empowering
Easy, but very informative 15 minute Reads
Hello & thank you for visiting
If you're age 55 to 75 and prefer a safer approach to retirement, then you're in the right place.
Enjoy your visit & if you have any questions, I'm an email or phone call away.
Brady D. Schmidt, Income Architect Harvest Income Solutions & Insurance Services CA Dept.of Insurance License# 6010422
Let's have a clear & straight forward conversation Drama Free Retirement
No pressure. No jargon. Just clarity about where you are — and what comes next.
Would you agree — retirement planning often feels overwhelming?
  • When overwhelm sets in it's because clarity is missing.
  • Information overload and conflicting opinions cause us to procrastinate.
  • Important financial decisions get delayed.
  • Stress quietly builds from having important tasks unresolved.
There are seven common reasons people can get stuck and how our Income Master Plan can help clear the path before you
1
Information Overload
Why people get stuck: Information overload, lot's of knowledge, lacking wisdom. Complexity = Confusion
How the Income Master Plan helps:
Silences the noise. A proven real-life strategy, not theory. Laser focused planning, no generalization
2
Online Trust Factor
Why people get stuck: Everyone sounds credible online, but can you really trust?
How the Income Master Plan helps:
No hype, just education, transparency & a clear framework before making any decisions.
3
Conflicting Advice
Why people get stuck: Over Abundance of Conflicting opinions — leaving no clear path forward.
How the Income Master Plan helps:
One coordinated & highly organized process. Clear problem solving guidance, not "opinions"
4
Too Many Options
Why people get stuck: Proliferation of choices & differing voices often lead to paralysis.
How the Income Master Plan helps:
Focused 100% on proven steps for your specific needs. No fluff or cookie cutter advice.
5
Working With the Wrong Advisor
Why people get stuck: Too many advisors lead with products & sales pressure instead of actual strategy.
How the Income Master Plan helps:
Planning precedes product. Solutions come after the plan forward is clear. Strategy, not sales driven
6
Prior Disappointment
Why people get stuck: Past losses or broken promises make it hard to trust again.
How the Income Master Plan helps:
We move patiently at your pace. Rebuilds confidence through integrity validation & a proven track record
7
Disempowering Personal Narrative
I've met people that put off planning due to feelings of regret, anxiety & disappointment. We are patient & understanding- never critical or judgmental. We all have regrets from the past.
Are you dealing with false narratives?
-It's too Late
-I'm not where I should be financially
-Will I be looked down on
-Will they work with me
-My finances are a mess
Let's move forward together and not dwell on the coulda, woulda, shoulda of the past.
In an atmosphere of transparency, trust and mutual respect we can lay down the disempowering narratives of yesterday & build a secure financial future -Starting today!
One of my favorite scriptures on the matter: "Forget the former things, dwell not on the past, I am doing a new thing" Isaiah 43:18-19
Here's how we build a Drama Free Retirement
Review your retirement readiness
Where you are & how to get where you want to be
Provide Access to Safe, Proprietary Retirement Vehicles
Principal & Income Protection- without sacrificing growth
Create a dependable Income you can count on
Create a predictable monthly income that lasts no matter how long you live
Inflation hedging
We build in automatic income increases to sustain lifestyle & spending confidence
Secure & Seamless Wealth Transfer
Continuity strategy for a surviving spouse, Heirs or a Charity
Tax Wise Distributions
Prioritize distributions to minimize tax burden
We have a network of professionals that will work in sync to provide you with a holistic experience
CPAs
Collaborating to ensure tax-efficient financial strategies are integrated into your plan.
Estate Attorneys
Working alongside to develop comprehensive estate plans that protect your legacy.
Insurance Agents
Partnering to provide robust protection and risk management for your assets and future.
If you have these trusted already we are happy to work with them on your behalf
Is The Drama Free Approach Right for You?
Client Success Story
I started listening to The Brady Show in 2006. I went to see him regarding my retirement goals. After a couple meetings I had a safe and stress free plan & could feel great about. Brady's honest and trustworthy agent & has since then become a good friend. I recommend him to folks who are considering retirement
Don F. SLO, CA
Rest assured that my approach will help you feel:
  • Comfortable and at ease
  • Heard and understood
  • Respected — not rushed
  • Free to ask any question
  • Comfortable saying “no”
  • Like your priorities truly matter
Brady is knowledgeable, professional, and incredibly helpful. He took the time to really listen, explained things clearly, and helped us find exactly what worked for us. His guidance put us at ease from the very beginning and continues to do so as our needs change — Teresa N., Ventura, CA
What “Drama-Free Retirement” Looks Like in Real Life
Retirement isn’t just about numbers. It’s about enjoying the people & moments that matter most.
Our Drama-Free Retirement Client Appreciation Cruise
The Scarlett Belle — Channel Islands Harbor, Oxnard, CA
Is our approach a Good Fit?
This Income Master Plan strategy is designed specifically for people 55 to 75 prioritize safety over speculation.
We May Be a Good Fit If You:
  • Are aged 55 to 75 planning for in retirement
  • Have $200,000 + in investable assets
  • Prefer safety over market speculation
  • Seek specialized guidance rather than DIY
  • Know it's time to start planning your future
  • Want long term solutions-not a quick fix
This May Not Be the Right Fit If You:
  • Are just kicking the tires for "some day"
  • Prefer risk & market-driven strategies
  • You're a Do-it-Yourself investor
  • Have less than $200,000
  • Won't be committed to the process
  • Aren't open minded to new strategies
"We felt Brady had the answers so we called"
"We listened to the Brady Show for years. I'd recently retired & the company handling my 457 wanted to roll my money into a portfolio without addressing my concerns. Thankfully, over the years Brady spoke about retirement option on his radio show. We felt Brady had the answers so when the time was right we called!
Brady, Erin, R&C, Camarillo, CA
Let's have a conversation designed to:
Clarify where you are today
Discuss what matters most to you in retirement
Determine whether this approach is a good fit
After a brief no pressure or obligation call ,If all parties feel good about taking the next step we’ll outline a clear, unhurried three-meeting process to create your Income Master Plan. We customize every plan, no cookie cutter or generalized approach-
This is Our Drama Free Process
WHY WORK WITH US?
With a personalized Income Master Plan, it means fewer surprises, clearer choices, and a structure that helps you stay focused on living your life — not reacting to markets or second-guessing your decisions. Having a portfolio does not equate to retirement security, income architecture does. Where other advisors prioritize products, we prioritize strategy.
The Harvest Income Solutions Income Master Plan is a recognized time tested solution for reliable lifetime income
Brady's handled my retirement for over 18 years, I was referred to him by a friend after losing my husband. I felt overwhelmed by financial decisions. Brady explained everything clearly and helped me get my finances organized & safe during a difficult time. What matters most is knowing I have someone I trust to guide me and I've always felt secure in my retirement over all these years"
— M.M., Northridge, CA
Harvest Income Solutions & Insurance Services
As an independent owner & licensed financial professional, we bring exclusive access to a vast suite of options & world-class retirement products backed by highly rated, Multi Billion Dollar financial institutions.
INDEPENDENT RESOURCES. HIGHLY FOCUSED STRATEGIES. UNPARALLELED SERVICE.
In The Media
Radio Broadcasting:
From 2007 to 2018, Brady hosted his own show offering insights on secure retirement planning
Financial Publications:
Brady has been cited in various financial magazines and online journals for expertise in retirement income strategies.
The Drama Free Retirement Course
The Drama-Free Retirement Course is a comprehensive, step-by-step program designed for individuals ages 55 to 75 transitioning into or already in retirement. These are 30 minute modules built around 7 core steps. The course emphasizes clarity, structure, and intentional income architecture, covering income planning, risk management, tax positioning, legacy, and behavioral decision-making. Those completing the course will gain peace of mind, an improved understanding of safe, principal protected income options, and confidence from knowing how the benefits of a customized lifetime income strategy without the ups and downs of the market.
There's fluff or filler to this course. No sales or pitching. No confusing industry jargon. Just clarity and time tested strategies for enjoying a drama free retirement.
Webinars
Webinars On Demand
A free 30-minute webinar for people 55–75. Get a clear snapshot of the Income Master Plan and quickly determine if an income-first strategy is right for you.
Start Living Your Drama-Free Retirement Today
It's time to replace financial worries with unwavering confidence.
Our tailored process helps you build a secure, joyful retirement where every decision is clear and every day is truly drama-free. Let's start with a conversation.
No pressure. No jargon. Just clarity about where you are — and what comes next.
© 2025 BRADY SCHMIDT, HARVEST INCOME SOLUTIONS, INC.
Harvest Income Solutions & Insurance Services
California Dept. of Insurance Agency License # 601042
© 2024-2026 Drama-Free Retirement. All Rights Reserved.
Disclosures
This material is provided for educational and informational purposes only and does not constitute an offer to buy or sell any securities or investment products. Brady Schmidt does not provide legal, tax, or securities advice. Clients should consult their own attorney, CPA, or qualified financial professional regarding their specific situation. Referrals to trusted advisors we work with upon request. Harvest Income Solutions, Inc. is an independent agency, Brady is an independent agent representing many of the top insurers -He not a captive & therefore presents a plethora of options from those companies deemed to provide the best solution for a clients individual needs. Though Brady is compensated by insurers for placing business , recommendations are based on what is deemed best for a client not commission driven. Nor are they based on any insurer or marketing agency perks. Harvest Income Solutions & Insurance / Brady Schmidt is licensed by the California Department of Insurance and is licensed in CA, AZ, ME, NV, and OR. Only when suitable, appropriate and fully aligned with an individual(s) goals & risk tolerance may a wide variety fixed or fixed-indexed annuity products be presented as part of an overall retirement income strategy. Guarantees provided by fixed annuities are backed by the claims paying ability of the issuer & not FDIC insured. Some content may include links to third-party websites. We do not control, endorse, or guarantee the accuracy, security, or privacy practices of third-party content or websites. Accessing external links is done at your own risk. This site may contain affiliate links. We may be compensated if a purchase is made directly with an affiliate via a link, at no additional cost to you. Any data shared with third-party partners, when applicable, is used solely for the stated purpose and not for unrelated marketing. Testimonials should not be relied on in making your conclusions or financial decisions. No clients were compensated for providing their testimonial. We occasionally ask clients to provide feedback publicly. Testimonials are from those clients that provided their permission, therefore, comments shown may not be representative of all client opinions or experiences. Positive comments should not be construed as a guarantee that Brady Schmidt, Harvest Income Solutions, will be able to provide a client with the same satisfactory results. There can be no assurance the clients that provided a testimonial would have similar comments in subsequent years or remain clients. Testimonials should not be relied on as a basis for making your own financial decisions as generally, everybody's needs & situation are different.