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About Us

Melody A. Juge
Life Income Management™
Investment Advisor Representative

Melody is Founder of Life Income Management™, a fee based financial services investment group specializing in creative planning and management of retirement income. Her accomplishments as an industry thought leader include being a content writer for various retirement publications as well as being counted as a contributing writer for the online subscriber publication; Retirement Weekly published by MarketWatch. Her selected articles have been featured on Next Avenue PBS, Retirement News, Society of Financial Professionals newsletter, Yahoo News and Producers-Web. In addition, she has been quoted in;Time Magazine, FOX Business, Barron's, The Wall Street Journal, Forbes, Retirement News Today, CNBC, New York Post, U.S. News and World Report, MSN Money, Next Avenue PBS, Newsmax, Insurance News Network, Now It Counts, Bankrate and the Chicago Tribune.

Melody's commitment to financial literacy and her approach to adult learning have made her a sought-after speaker on preparing for retirement and retirement lifestyle issues. She is best known for her passionate, enthusiastic and down-to-earth style of communication. Her contributions to retirement planning proficiency include teaching accredited Continuing Professional Education to CPAs. She is currently in process of finalizing her soon to be published retirement guide series: RetirementSense™.

Central Registration Depository Number: 2344815
National Producer Number: 2335917

Samuel S. Young, MBA
West Coast Regional Director
Life Income Management™
Investment Advisor Representative

Samuel S. Young is West Coast Regional Director for Life Income Management™. With an MBA in finance and a BS in theoretical computer science, Sam is able to easily execute an analytical but simplified client friendly, proprietary Life Income Management™ approach, to the complicated subject of creating income for life.

The Life Income Management™ planning process is both detailed and easy to understand. The process includes; thorough assessment of retirement lifestyle issues, evaluation of specific retirement income requirements, adherence to the retirement-risk tolerance selection, the use of age-specific planning techniques, thorough analysis of current assets, and consideration of the appropriate suitability of various investment strategies, prior to implementation.

Sam's comprehensive cross-discipline of talents, combined with his compassionate understanding and an innate caring for people makes him perfectly suited to guide clients through the complexities of the retirement planning process. Sam is a member in good standing of the Estate Planning Council of Southern California.

National Producer Number: 17316987
State of California Health and Life Insurance License Number: 0194975

Andy Osby
Chief Investment Officer
Vice President
Brokers International Financial
Advisory and Investments

Andy is responsible for investment design and implementation of the Brokers Financial Retirement Ally portfolio strategies, consisting of; fixed-income, domestic equity, international equity, and alternatives.

He has over 21 years experience in the financial services industry, which includes; Director of Investments and Senior Product Manager at Principal Financial Group, where he was responsible for the construction of managed portfolios and overseeing $5 billion in client assets under management.

Andy earned a BBA in Finance degree, as well as professional designations as a Chartered Financial Consultant: ChFC® and Chartered Retirement Planning Counselor: CRPC®. Andy also maintains; Series 7 license: General Securities Representative, Series 24 license: General Securities Principal, Series 53 license: Municipal Securities Principal, and Series 66 license: Uniform Investment Adviser - Combined State Laws.

Thomas Breitbach
Certified Financial Analyst
Senior Financial Analyst
Brokers International Financial

Tommy supports the day-to-day management of the Retirement Ally portfolios and oversees the design and implementation of customized portfolio investment solutions.

He works in collaboration with our Life Income Management™ advisors to mitigate risk and modify tax obligations where possible with strict adherence to a client's specific risk tolerance.

Tommy holds a Masters in Finance from Drake University and is a Certified Financial Analyst. He maintains; Series 7 license: General Securities Representative as well as Series 24 license: General Securities Principal and Series 65 license: Uniform Registered Investment Advisory - Fiduciary.