Terms of Use
Clear, straightforward guidelines for using this website and understanding how we provide information. The following sections outline the complete terms governing your use of this website. Each section addresses a specific aspect of your rights, responsibilities, and our disclosures as a financial services provider.
Effective Date: March 1st, 2026
Purpose of This Website

This website is designed to provide general educational information about retirement income planning.
Nothing on this site should be interpreted as:
  • Personalized financial, investment, tax, or legal advice
  • A recommendation to buy or sell any financial product
  • A guarantee of any financial outcome
  • Any contractual guarantees, features or benefits relating to "fixed" annuities are backed solely by the claims paying ability of the issuer.
Client Relationship
Using this website—including submitting forms, scheduling a consultation, or downloading materials—does not create a client or relationship. I client relationship is only established upon acceptance of & implementation of a recommendation, annuity income strategy or other strategy. Concerning insurance products, a relationship between you and an insurer or annuity company is established only after an insurer/ annuity company has accepted your application & issued your contract.
Financial Services Disclosure
Harvest Income Solutions is an independent insurance and financial services agency. Brady Schmidt licensed by the California Department of Insurance. License# 0632846
Key Disclosures
  • We are not affiliated with any government agency, bank or Broker Dealer
  • Strategies may only include fixed and fixed-indexed annuities, when appropriate
  • Any guarantees are backed by the claims-paying ability of the issuing insurance company
Educational Purpose
All information is provided for educational purposes only. Our goal is to help you understand your options clearly and without pressure, so you can make informed decisions about your retirement income planning. We do not charge a fee & there is no obligation to act on any recommendation
No Guarantees or Warranties
We strive to provide accurate and current information, but we do not guarantee:
  • Accuracy or Completeness: Information may not be fully accurate or complete at all times.
  • Timeliness: Information may not reflect the most current developments or changes.
  • Individual Suitability: Content may not be suitable for your specific personal situation.
All content is provided "as is."
Limitation of Liability
Harvest Income Solutions is not responsible for:
  • Financial decisions made based on this website.
  • Any losses or damages related to use of this site.
  • Outcomes resulting from reliance on general information.
  • For securities, taxes & legal refer to your respective professional

Use of this site is at your own discretion.
Third-Party Links and Tools
This website may include links to third-party tools or websites.
What We Do Not Control or Guarantee
  • Their content
  • Their privacy practices
  • Their accuracy or security
Your Responsibility
Use of third-party services is at your own risk. We encourage you to review the terms and privacy policies of any third-party sites you visit through links on this website.
Intellectual Property
All materials on this site—including content, branding, and frameworks—are the property of Harvest Income Solutions.
This includes:
  • "Drama-Free Retirement" — A proprietary framework and brand of Harvest Income Solutions.
  • "Income Master Plan" — A proprietary planning framework and brand of Harvest Income Solutions.
Content may not be copied or distributed without written permission.
User Conduct
By using this site, you agree not to:
Submit False or Misleading Information: You agree to provide only truthful and accurate information when interacting with this site.
Attempt Unauthorized Access: You agree not to attempt to gain unauthorized access to any part of this website or its systems.
Use the Site for Unlawful Purposes: You agree not to use this site in any manner that violates applicable laws or regulations.
Privacy
Your use of this website is also governed by our Privacy Policy.
We take your privacy seriously. Our Privacy Policy outlines how we collect, use, and protect your personal information when you interact with our website, forms, and services. Please review our Privacy Policy to understand your rights and our obligations.
Geographic Scope
This website is intended for U.S. users.
Licensed States
Harvest Income Solutions is licensed in select states, including:
  • California
  • Arizona
  • Nevada
  • Oregon
  • Maine
Availability Notice
Services may not be available in all locations. If you are unsure whether our services are available in your state, please contact us directly to confirm before proceeding.
Changes to These Terms
We may update these Terms at any time. Updates will be reflected with a new effective date. Continued use of the site means you accept any changes.
We encourage you to review these Terms periodically to stay informed of any updates. The effective date at the top of this page will always reflect when the Terms were last revised.
Contact Information
Brady Schmidt: 805-335-0115
CA DEPT OF INSURANCE # 0632846
Website: unknown link
Harvest Income Solutions — We're here to help you navigate your retirement income planning with clarity and confidence.
Mailing Address: 1187 Coast Village Road #437, Santa Barbara, CA 93108
A Simple, Clear Approach
We provide straightforward, educational guidance designed to help you better understand your options. No pressure. No obligation. Just clarity—so you can move forward with confidence.
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