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About Us


Melody A. Juge
Investment Advisor Representative

Melody is founder and senior partner of Life Income Management™, a fee based financial services investment group specializing in the planning and management of retirement income. Her accomplishments as an industry leader include being counted as a contributing writer for MarketWatch.

Melody 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, NAFIA SmartBrief, Now It Counts, Bankrate, Daily Finance, Chicago Tribune and Financial Advisors Magazine.

Melody's articles have been featured on Yahoo Finance, Next Avenue PBS, Retirement News, Society of Financial Professionals newsletter, ProducersWeb and MarketWatch. A selection of her retirement articles can be viewed here on LifeIncomeManagement.com ‐ In the News.

Further, Melody has a heartfelt interest in working with foundations, endowments and charities. She works directly with a collaborative team of portfolio managers, investment advisors and analysts that are dedicated to those organizations and institutions that are doing good for their public.

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

National Producer Number: 2335917.



Samuel S. Young, MBA
Investment Advisor Representative

Sam is a partner and west coast regional director of Life Income Management™. With an MBA in finance and BS in theoretical computer science Sam has created an analytical but simplified ‐ client friendly - approach to the complicated subject of; a well-planned financial life.

This 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 and the consideration of the suitability of various investment strategies prior to implementation.

Sam leads a collaborative team. He frequently connects clients with the proper experts to establish tax reduction strategies and estate plans with the primary intention being to build, conserve and prolong family wealth. 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. Often included in the process is creating an arrangement for funding philanthropic interests.

Sam has a passionate and supportive interest in working with foundations, endowments and charities. He directs a collaborative team of portfolio managers, investment advisors and analysts that are dedicated to supporting organizations and institutions that are doing good for their public.

National Producer Number: 17316987. State of California Health and Life insurance license number: 0I94975.

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