Brady Schmidt and Harvest Income Solutions & Insurance are licensed by the California Department of Insurance complying with all state regulations and professional standards. Brady does not provide securities, tax or legal advice. Refer to your respective professional for these services.

Brady Schmidt / Harvest Income Solutions License & status https://www.insurance.ca.gov/

Harvest Income Solutions, Inc. is an independent agency, Brady is an independent agent representing many of the Nation's top insurers that offer retirement solutions via various types of fixed annuities - Brady is not a captive agent thus he has access to companies & products deemed to provide the best income solution for a clients individual needs.

Though Brady is paid a commission by insurers he places business with his recommendations are solely based on what is most appropriate for a client, as ultimately agreed upon by the client. Recommendations are not based on any insurance company, or marketing agency perks, trips, bonuses, commission rates, accolades or any other incentive other than the best interest of his clients.

The appropriateness of Brady's annuity income strategies are determined after a thorough discussion of needs, time frames, risk tolerance and other suitability factors. If they are not a good fit, Brady will respectfully communicate that. Only when appropriate and aligned with an individual(s) goals may a variety of fixed and/or fixed-indexed annuity products be presented- as part of an overall retirement income strategy.

Note that Guarantees provided by fixed annuities are backed solely by the claims paying ability of the issuer & not deposits, FDIC insured or guaranteed by any bank or government agency. Early withdrawals may result in surrender charges and penalties. Annuities are long term in nature, may contain certain fees & restrictions, they are not suitable for everyone. Product brochures, company financials and a detailed descriptions of features, benefits, costs and restrictions will be provided so that informed decisions can be made and enough clarity is provided to decide if a recommendation a viable option. All investments involve some level of risk, including annuities and insurance products. Past performance does not guarantee future results. Examples and case studies are hypothetical and for illustrative purposes only.

It is always ok to say "no" to any recommendation, there's never any obligation or pressure to act on any guidance or recommendation provided.

Some content may include links to third-party websites. Use these links at your own risk. We do not control, endorse, or guarantee the accuracy, security, or privacy practices of third-party content or websites.

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 as to their experience in working with Brady Schmidt. 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 though every effort is made to deliver high quality service. There can be no assurance the clients that provided a past testimonial would have similar comments in subsequent years, or remain clients.

If you have any questions regarding these disclosures please don't hesitate to ask.