Delano, MN – June 15, 2026 — As Americans face longer lifespans and increasing uncertainty around Social Security and healthcare costs, Harvest Financial is helping individuals and families take control of their financial future through customized retirement planning solutions.
Brent Schmidt and Kevin Kuhl works closely with clients to design retirement strategies tailored to their unique goals, lifestyles, and financial situations—whether they’re just starting to save, approaching retirement, or already retired.
“Retirement isn’t an age—it’s a financial milestone,” said Schmidt. “I help clients create a retirement plan designed to support their ideal lifestyle.”
Harvest Financial offers a full range of retirement planning services, including:
- Retirement savings strategies (401(k), IRA, Roth IRA, etc.)
- Income planning and withdrawal strategies
- Social Security optimization
- Tax-efficient distribution planning
- Long-term care and healthcare cost planning
- Legacy and estate considerations
Using a holistic and education-focused approach, Schmidt and Kuhl help clients understand how much they’ll need, how to get there, and how to make their money last.
Whether retirement is decades away or just around the corner, Harvest Financial is currently offering complimentary consultations for those seeking clarity and confidence in their retirement planning.
About Harvest Financial
Harvest Financial works with individual clients and business owners evaluate where they are financially and how to get to where they want to be by building strategies and solutions unique to them.
We help craft investment strategies that are suitable to your stage of life. Getting to know you and your financial goals is our primary focus. We’re not interested in offering a one-size-fits-all approach; we build relationships and then help you build your future.
For more information or to schedule a consultation, visit harvestfinancialservices.com or contact Brent Schmidt at 612.834.2324 or Brent@harvestfinancialservices.com.
Registered Representative offering securities through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 127 Bridge Ave., E, Suite 229, Delano MN 55328 | (320) 223-0322
Some IRAs have contribution limitations and tax consequences for early withdrawals. For complete details, consult your tax advisor or attorney. Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty.
Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.
If you are purchasing an annuity to fund any tax-qualified retirement plan (IRA), you should be aware that this tax-deferral feature is available with any investment vehicle and is not unique to an annuity. Carefully consider the features and benefits of the annuity before making the decision to purchase.
Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Please view the Investor Alerts section of the FINRA website for additional information.
Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice. Income may be subject to local, state and/or the alternative minimum tax.
This information may not be relied on for the purpose of determining your social security benefits or eligibility, or avoiding any federal tax penalties. You are encouraged to seek advice from your own tax or legal professional.
The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.
Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period. The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company.
Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks and how the variables are calculated.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.