Retirement Income & Insurance Solutions You Can Trust
Harvest Income Solutions, Inc.
Harvest Income Solutions & Insurance
1187 Coast Village Road #437 Santa Barbara, CA 93108
Serving individuals and families aged 55–75 — with clarity, care, and experience.
ABOUT BRADY & LICENSING AND SCOPE OF SERVICES
Licensed, Regulated & Accountable
CA DEPARTMENT OF INSURANCE LICENSE #0632846
Transparency is a cornerstone of Brady's practice. He is clear about what he does — and what he does not do. Brady does not provide securities, tax, or legal advice. For those services, clients are encouraged to work with their respective licensed professionals. Brady's role is to complement your overall financial team with focused, insurance-based retirement expertise.
An Independent Voice Working for You
Because Brady is an independent agent, he is not tied to any single insurance carrier or product line. This independence means his recommendations are always based on what's right for you — not what's most profitable for a corporation.
About Us
Meet Brady Schmidt
Brady Schmidt is an independent insurance agent and the founder of Harvest Income Solutions, Inc. and Harvest Income Solutions & Insurance Services, headquartered in Santa Barbara, California. With a focused and safety- first approach, Brady has dedicated his practice to helping individuals and families navigate one of life's most significant transitions — retirement.
Brady's expertise centers on retirement income planning and insurance-based strategies designed specifically for those between the ages of 55 and 75. He understands that this stage of life comes with unique financial concerns: making savings last, protecting against unexpected events, and creating reliable income that doesn't run out.
His mission is simple — to deliver long-term financial stability and genuine peace of mind to every client he serves.
Our Approach
Insurance-Based Strategies for Lasting Security
Brady's planning philosophy centers on insurance-based financial solutions — a powerful and often underutilized foundation for retirement income planning. Unlike market-linked investments, insurance products can offer guaranteed income, protection from market volatility, and benefits that extend to your family.
Every strategy Brady builds is personalized. He takes the time to understand your income needs, your family's goals, and the legacy you want to leave — then crafts a solution designed to deliver stability for the long term.
Retirement Income
Reliable, structured income streams that last through retirement.
Insurance Solutions
Products tailored to protect you, your income, and your loved ones.
Financial Stability
Long-term strategies designed to weather life's uncertainties.
Peace of Mind
Confidence that comes from having a clear, well-structured plan.
A Simple Path to Financial Confidence
Brady's process is straightforward, transparent, and built around your unique situation. From your first conversation to your final strategy, every step is designed to give you clarity and control.
Most clients leave their first meeting with a clearer picture of their options than they've had in years. Brady believes that understanding your plan is just as important as having one.
Our Commitment
What Sets Us Apart
Specialized Focus
Dedicated exclusively to retirement and insurance planning for ages 55–75, with deep expertise in the needs of this life stage.
Independent Guidance
No quotas, no hidden agendas. Brady selects solutions from the broader market to find the best fit for each individual client.
Structured Income on the Premise of Safety First
No two clients are the same. Every plan is built from the ground up to reflect your specific income goals, family situation, and timeline.
Long-Term Partnership
Brady doesn't disappear after your plan is in place. He remains a trusted resource as your life and needs evolve over time.
Ready to Build Your Retirement Income Strategy?
Whether you're approaching retirement, already there, or navigating an unexpected life transition, Brady Schmidt and the team at Harvest Income Solutions are here to help. Let's start with a conversation — no pressure, no jargon, just clarity.
📞 Call Us
805-335-0115
🕐 Office Hours
Available by appointment — at your convenience.