About Us

Melody Juge
Investment Advisor registered
Fiduciary
Life Income Management
Founder

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.

Central Registration Depository Number: 2344815
National Producer Number: 2335917

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

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 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, BBA, ChFC, CRPC
Advisory and Investments
Fiduciary
Brokers Financial
Chief Investment Officer
Vice President

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, MFiN
Certified Financial Analyst
Fiduciary
Financial Analyst

Tommy 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.

He 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.

Lance Presley

Lance has over 20 years in experience in the financial services industry. In every step of his journey Lance has worked with clients and investment advisors to customize financial and investment strategies that align with each client’s specific priorities and goals. Lance’s philosophy is financial and retirement planning is not a single event but rather a continued process.

Lance holds a BBA in finance from Graceland University. He maintains a series 7 general securities representative license with a series 66 uniform registered investment advisory license, series 24 general securities principal, series 53 municipal securities principal and a series 4 registered options principal license.

Alex Cary
Advisory Operations Coordinator

Alex supports the daily operations of Retirement Ally accounts and seeks continue to expand his knowledge and skillset within the unique aspects of advisory services.

He began his career in the financial services industry in 2016 and has served advisor’s and their clients in multiple roles throughout his career within the industry.

Alex completed his bachelor’s degree in management from the University of Norther Iowa. He maintains a Series 7 license: General Securities Representative, Series 24 license: General Securities Principal and Series 66 license: Uniform Investment Adviser - Combined State Laws.