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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 creative 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 west coast regional director of Life Income Management™. With an MBA in finance and 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; a well-planned financial 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 and the consideration of the suitability of various investment strategies prior to implementation.

Sam frequently connects clients with the proper experts to establish estate tax minimization strategies and estate plans with the primary intention being to build, conserve and prolong family wealth. His 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.

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


Andy Osby, Vice President
Advisory & Investments

Andy is responsible for investment design and implementation of the Brokers Financial’s Retirement Ally portfolio strategies consisting of fixed-income, domestic equity, international equity, and alternatives. While at Brokers, he has realized the benefits of practicing a "risk-first" methodology.

Andy has over 19 years of experience in the financial services industry that includes managed account portfolio construction at Principal Financial Group as the Director of Investments and Senior Product Manager where he was responsible for overseeing $5 billion in client assets under management.

Andy earned a B.B.A in Finance, holds a Chartered Financial Consultant (ChFC®) designation, Chartered Retirement Planning Counselor (CRPC®) designation, and Series 7 (General Securities Representative), 24 (General Securities Principal), 53 (Municipal Securities Principal), and 66 (Uniform Investment Adviser - Combined State Laws) licenses.


Thomas Breitbach
Senior Financial Analyst

Tommy supports the day-to-day management of the Retirement Ally portfolios and works with advisors to design and implement portfolio solutions for clients.

Tommy believes each client’s situation involves unique circumstances and finding the appropriate solutions can help each client achieve their financial goals.

Tommy holds a Masters in Finance from Drake University and maintains a Series 7: General Securities Representative license as well as a Series 24: General Securities Principal license and a Series 65: Uniform Registered Investment Advisory license. In his time with Brokers International Financial Services/Brokers Financial Wealth Management Tommy has completed the Level 2 CFA exam and continues toward the CFA designation in 2019.

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