Retirement income
Clarify the income you may need, when it should begin, and how different sources may work together.
Request a private review ↗Retirement income, structured with care
A more deliberate approach to retirement income.
Safe Strategies Financial is a family-led firm helping people understand income, annuity, liquidity, and legacy options before making a long-term retirement decision.
A thoughtful conversation with the people responsible for your review.
Family-led Leadership stays close to the client
70+ years Combined experience in this space
One firm A broader team led by the Herbst family
The complete picture
Retirement income is more than a product decision.
Income, access to money, market exposure, taxes, and legacy priorities are connected. We help organize those questions and make the available options easier to understand before a strategy is considered.
Services and product availability vary by state, license, and individual circumstances.
Liquidity and flexibility
Understand access provisions, surrender periods, emergency needs, and the tradeoffs behind contractual guarantees.
Family and legacy
Organize beneficiary, protection, and legacy priorities alongside the income decision.
The Safe Strategies Review
A disciplined process for an important decision.
Each review is designed to make the purpose, commitments, guarantees, limitations, and alternatives easier to understand.
- 01
Understand
We begin with your priorities, concerns, resources, and timing.
- 02
Evaluate
We compare relevant options through the same goals and constraints.
- 03
Structure
If there is a fit, we organize the strategy around your circumstances.
- 04
Review
We remain available as your needs and the retirement landscape change.
Why Safe Strategies
Options you can understand. Decisions you can own.
About us
A family-led team built around the decision.
Brenden, James, and Brandon Herbst lead a large team of agents with more than 70 years of combined experience in this space. Their shared mission is to help people better understand their options before making a retirement decision.
70+ yearsCombined team experience
Firm leadership
Brenden Herbst
Owner & Principal
Brenden leads Safe Strategies Financial and oversees the full client relationship, from the first conversation through strategy development, implementation, and ongoing review.
- Producer NPN
- 21156322
- Direct line
- (720) 800-9260
Senior experience
James Herbst
Agency Director & Senior Retirement Specialist
James brings nearly three decades of retirement experience and helps lead the broader agent organization, with a focus on income planning, asset protection, and legacy questions.
- Producer NPN
- 1075474
- Direct line
- (720) 800-9260
Retirement planning
Brandon Herbst
Retirement Planning Specialist
Brandon supports education-first reviews, helping clients organize their priorities and questions before evaluating protection and retirement-income options.
- Producer NPN
- 7127874
- Direct line
- (720) 800-9260
07
Free retirement readiness guide
Seven questions. One clearer conversation.
Use the Safe Strategies Retirement Income Readiness Checklist to organize income needs, timing, liquidity, market risk, taxes, guarantees, and legacy priorities before making a decision.
Download the checklist ↓Request a private retirement review ↗A private retirement conversation
Start with the decision you are trying to make.
Your request is routed into the Safe Strategies retirement-income process and handled by the team responsible for the review.
Safe Strategies main line(720) 800-9260Private Retirement Review
Organize income priorities and compare liquidity, surrender periods, contract features, costs, limitations, and insurer-backed guarantees.
Request your review ↗Common questions
Know what to expect.
What happens in the first conversation?
We’ll discuss what prompted you to reach out, the decisions you are considering, and what you hope to accomplish. We’ll also explain how we work and whether a next step makes sense.
Do I need to have everything organized first?
No. A general picture of your goals and questions is enough to begin. If documents would help later, we’ll tell you what to bring.
Will I be expected to decide right away?
No. The goal is to help you understand relevant options and tradeoffs. Whether and when to move forward is your decision.
Can a particular financial result be guaranteed?
No. Financial outcomes depend on many factors. Product-specific guarantees, when applicable, are subject to contract terms and the claims-paying ability of the issuing insurance company.
Do you provide tax or legal advice?
Safe Strategies Financial does not provide tax or legal advice. We can coordinate with your attorney or tax professional when appropriate.