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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
A+ BBB Accredited • 18+ Years Experience • 5-Star Reviews • Retirement Income Specialist
Why Retirees Work With Us
Experienced guidance, proven results, and a calm process designed to help you make clear, confident decisions about your retirement income.
1
18 Year
Track Record
Clients living securely on income plans for the same time period
2
1,300+
Retirees Helped
Guided toward clarity, organization, and dependable retirement income
3
Specialization
Income Architect
Planning & Strategy Driven — not a generalized approach
"Brady has managed my retirement 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 a competent retirement planner it's important to know the difference between them & why it matters to you

A GENERALIST APPROACH VERSUS INCOME ARCHITECTURE™

The Generalist Approach Fragmented or No Strategy Lack of focused planning and skilled coordination, benefits & opportunities may fall through the cracks & often do. Focused on Portfolio & Products Products & portfolios without a reason or to fund a specific plan is throwing darts blindfolded. A retirement future without a plan is uncertain & risky 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. Sometimes responses are too late. Average Outcomes The generalized approach often leads to lost opportunities as what works or benefits the general population doesn't work for retirees. The Specialist Approach Income Architecture Synchronizing retirement accounts, social security, pension, investments, taxes & healthcare for a well thought out & cohesive plan Optimal Timing & Sequencing 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 retirement expert understands the risks and employs strategy to protect the retirees interests. Proactive & Forward-Looking Stress-tests scenarios, anticipates future changes, and designs a plan that adapts as life evolves. Better Outcomes. More Confidence. A specialist builds on reality and accuracy not hope and chance. A plan a retiree is confident will be reliable whatever the future holds.

Changes You Can Expect Working With Us
From stuck on complexity to moving with clarity
From uncertainty to seeing the future with confidence
From no plan to a having a customized personal strategy
From anxiety about the unknown to peace & understanding
Proven Results, Real Relationships
Client Appreciation Cruise- Channel Islands
Retirement celebration with friends & client
Are We Right For You?
Our strategies are designed exclusively for the 55 to 75 community that meet certain guidelines:
  • You prefer safety over speculation
  • You're within 5 years of retirement
  • You have retirement assets
  • You don't currently have a plan
Let's get acquainted on a 15 to 30 minute call.
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
Brady is an Independent Income Architect
My practice is dedicated entirely to helping the 55-75 community have greater clarity and peace of mind with thoughtfully designed income plans that are reliable for a lifetime.
As an independent firm owner, I’m able to bring together tools, strategies, and proprietary products from a plethora of sources that aren’t typically available to the public—or captive agents. And I say this for clarity, not competitively. It's really a matter of your preference & ultimately what you feel comfortable with.
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", and become the retirement expert people 55 to 75 could turn to for competent reliable, strategy driven, guidance.
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 strategy,exclusively for people 55 to 75, is 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 honest, 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. CA DOI License #60142 . Brady D. Schmidt CA DOI License# 0632846
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