About Us

Melody A. Juge
Investment Advisor - registered
Fiduciary
Founder
Life Income Management™
INTEGRITY Wealth
CRD #2344815
NPN #2335917

Life Income Management™ is a fee based financial services investment group founded by Melody Juge in 1996. Life Income Management™ specializes in comprehensive retirement planning addressing the two primary investment components of long-term planning: growth and creating income for life.

Melody’s accomplishments and industry contributions span over four decades and have earned her to be counted as an industry thought leader on the specifics of retirement, embracing what she refers to as ‘…the heart of retirement...it’s more than the numbers.’ She served as one of the original RetireMentors publishing a weekly column on-line for MarketWatch. Throughout the years Melody has been widely quoted and her articles have been well published.

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.

Samuel S. Young, MBA
Investment Advisor Representative
Fiduciary
West Coast Regional Director
Life Income Management™
INTEGRITY Wealth
CRD #6377568
NPN #17316987
CA License #0194975

Sam Young is known as the premier retirement planning specialist in the Inland Empire in Southern California. Sam teaches classes in various universities through-out the year which are sought after for his tax mitigation information, how to do an annuity analysis, individual retirement account rules and regulations, adhering to the Ed Slott IRA resources.

The Life Income Management™ proprietary planning process is 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 and suggested attention to various estate planning issues.

Sam is a member in good standing of the Estate Planning Council of Southern California.

Andy Osby, ChFC, CRPC
Vice President
Advisory and Investments
Chief Investment Officer
Fiduciary
INTEGRITY Wealth

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

With over 25 years experience in the financial services industry, formerly; Director of Investments and Senior Product Manager at Principal Financial Group, where he was responsible for the construction of managed portfolios - overseeing $5 billion in client assets under management. Andy stated, ”…during my career in portfolio construction, I have realized the benefits of practicing a risk-first focus methodology.” At INTEGRITY Wealth our array of product offerings are designed to be diverse and flexible to meet the needs of any client profile.

Andy’s advanced industry licensing includes, Series 7: General Securities Representative License, Series 24: General Securities Principal, Series 53: Municipal Securities Principal, and Series 66: Uniform Investment Adviser - Combined State Laws as well as a Chartered Financial Consultant: ChFC® and Chartered Retirement Planning Counselor: CRPC®. He also holds a Bachlors of Business Administration degree in Finance.

Jose E. Amaya
Portfolio Manager
Fiduciary
INTEGRITY Wealth
CRD # 7124696
NPN #19674316

Jose serves directly as the key support to our INTEGRITY Wealth Chief Investment Officer, Andy Osby. Jose’s primary responsibilities revolve around the on-going construction, maintenance, and performance evaluation of the state-of-the-art Retirement Ally portfolio models.

Specifically, Jose conducts comprehensive analyses of financial markets for INTEGRITY Wealth which includes tracking and analyzing various industry/sector trends, as well as tracking macroeconomic shifts to assess their implications for the investment strategies used for our retirement portfolios.

Jose’s position with INTEGRITY Wealth requires extensive and specific financial regulatory licensing. He maintains a Series 7: General Securities Representative License, Series 66: Uniform Combined State Law, plus the Certificate of Completion in Financial Modeling and Valuation, and a Chartered Retirement Planning Counselor designation. Jose holds a Bachelor of Science degree from Iowa State University.

Lance A. Presley
Director of Investment Services
Fiduciary
INTEGRITY Wealth
CRD #4311526

Lance brings over 25 years’ experience in investment application and analysis to INTEGRITY Wealth. He works closely with our investment advisors and their clients assisting in the establishment and customization of retirement investment strategies that align with each client’s specific priorities and goals. Lance’s expressed professional philosophy: “…retirement planning is an on-going process rather than a single event.” Our partnership with Lance is well suited for our Life Income Management™ team and the requirements of our clients. Lance leads our investment analysis advisory support for our Life Income Management™ team as we continue to create income for life.

Lance’s position with INTEGRITY Wealth requires extensive and specific financial regulatory licensing. He maintains a Series 7: General Securities Representative License, Series 66: Uniform Registered Investment Advisory License, Series 24: General Securities Principal, Series 53: Municipal Securities Principal and a Series 4: Registered Options Principal. All of these were established on the heels of Lance obtaining a Bachelor of Business Administration degree from Graceland University.

Alex L. Cary
Advisory Operations Coordinator
Fiduciary
INTEGRITY Wealth
CRD #6716385

Alex supports the daily operations of our INTEGRITY Wealth retirement investment accounts, primarily focused on Retirement Ally. He assists us with our complex client administrative requirements at Life Income Management™ with enthusiasm and precision. Alex is a graduate of the University of Northern Iowa and he maintains a Series 7: General Securities Representative License, Series 24: General Securities Principal, Series 66: Uniform Registered Investment Advisor – Combined State Law. Alex will be celebrating 10 years in the financial services industry in 2025.