Need more? Try out  Advanced Search (20+ criteria)»


Last Update

This profile was last updated on 11/2/2016 and contains contributions from the  Zoominfo Community.

is this you? Claim your profile.

Wrong Melody Juge?

Melody A. Juge

Founder and Managing Director

Life Income Management LLC

Direct Phone: (877) ***-****direct phone


+ Get 10 Free Contacts a Month

Please agree to the terms and conditions.

I agree to the  Terms of Service and  Privacy Policy. I understand that I will receive a subscription to ZoomInfo Grow at no charge in exchange for downloading and installing the ZoomInfo Contact Contributor utility which, among other features, involves sharing my business contacts as well as headers and signature blocks from emails that I receive.


  • 1.Download
    ZoomInfo Grow
    v sign
  • 2.Run Installation
  • 3.Check your inbox to
    Sign in to ZoomInfo Grow

I agree to the Terms of Service and Privacy Policy. I understand that I will receive a subscription to ZoomInfo Community Edition at no charge in exchange for downloading and installing the ZoomInfo Contact Contributor utility which, among other features, involves sharing my business contacts as well as headers and signature blocks from emails that I receive.

Life Income Management LLC

Company Description

At Life Income ManagementTM we have been creating income for life for over three decades. We know how to work with you and for you. Equally important, we use well-respected business practices that are transparent. We are accountable and open to providing you w...more

Background Information

Employment History


marketwatch , inc.


Core Cap Advisors , Inc.

Registered Investment Advisor Representative

National Speakers Association


eSpeakers Inc

Investment Advisor Representative

CoreCap Investments Inc

Investment Advisor Representative

Juge Girls™




Web References(43 Total References)

Melody Juge, Investment Advisor Representative
Melody Juge, Investment Advisor Representative Melody Juge, Investment Advisor Representative Melody Juge, Investment Advisor Representative About Melody Juge, Investment Advisor Representative Melody Juge is Managing Director of Life Income Management™. "Working with people age 50 and over to help create income for life is what I do," says Melody. For over three decades, she has been a dedicated advocate of financial education. Her experience includes teaching continuing education for CPAs on the structuring of retirement income portfolios. She is also the founder of Juge Girls™ a soon to be launched social networking group that is dedicated to the personal and financial empowerment of women age 50+. Melody is a regular CBS MarketWatch/WSJ digital contributor-RetireMentor and her articles can be viewed at under RetireMentors. She has been quoted in numerous print and on-line publications such as BankRate and has participated in multiple radio interviews such as Money Matters which addressed surviving the Fiscal Cliff. In addition Melody has authored numerous published articles for the Society of Financial Professionals, ProducersWeb and Agent's Sales Journal. In addition, she publishes a monthly e-newsletter which carries a global distribution. Melody's passion, enthusiasm and no-nonsense approach have made her a sought-after speaker on retirement issues and personal empowerment. She is best known for her lively Q & A sessions on: Retirement • Money • Empowerment. Her soon-to-be-published retirement guide, RetirementSense™, is expected in the spring of 2013. Melody Juge is a member in good standing of the National Speakers Association and NSA Carolinas. [cached]

An Interview with Melody Juge: Life Income Management
Prepared for Retirement? An Interview with Melody Juge: Life Income Management Therefore listening to Melody and her advice is right on target for me. Join me now as you read my interview with Melody Juge. Her name is Melody Juge. I think I pronounced that correctly. Is that right, Melody? MELODY: You did, Chuck. I'm 57, soon to be 58 and bombarded with crap from AARP, so it's obvious that [chuckles] I kind of fall into your category, Melody. So I'm really thrilled that you're here and able to join us on the show. MELODY: Well, thank you, Chuck. What do you find in the work you do today, Melody, in terms of people's preparedness? MELODY: Well, there are two things. There is work that I do and there's the general statistics, okay? CHUCK: Right. MELODY: So statistically speaking across the board, the general population isn't prepared, but the boomers and people who are drawn to me through my column on market watch or through my speaking engagements or interviews, they don't have quite as much as they would like, but they're fine! MELODY: To my knowledge, I see only one that says it, but it's saying enormous change in life and the boomers, because we are the leaders of everything. MELODY: And The Beatles and TheBellBottoms, and all of that, and it's the same generation. We're energetic. We're full of life. CHUCK: Now, Melody, I've think, from what you said, there's two parts to that, and I'd kind of like to explore both of them. MELODY: You're on target. I think I can help clarify this for you. CHUCK: Great. MELODY: Accumulating assets is what you do from the time you're 25 or 30 years old until you get to retirement age. MELODY: So, you're doing that over your planning net and if you have shortfalls, you're planning the short. You're saying, "Oh, okay. I'm 58, I'm 62. MELODY: You're finished with that preservation phase and you get everything restructured. My guest is Melody Juge. She is involved with and the managing director and founder of Life Income Management and this is a critical, critical area for those of us who are baby boomers and perhaps a little younge, so you can learn what the process is. Melody Juge is the founder and managing director of this firm which specializes in retirement, income, planning and education or people who are over 55 years of age. Basically, those of us who fall into category that are baby boomers and Melody laid out for us the three stages of preparing for retirement and yet, I would tend to say that while some people have done an incredible job, and that's wonderful and I want to give them a thumbs up for that, as baby boomers we have tended to what we want, when we wanted it and we would finance it in order to get it. When this last recession hit, it was devastating for a large number of people which threw them backwards. The accumulation stage moving into the preservation stage is where we should be and yet I'm going to say there's a substantial number of people who are just now thinking, oh, crap! I need to start accumulating again, because what I accumulated, I burned through or lived through. Kind of open, Melody, to thoughts that you might have about where you see the baby boomers. MELODY: Well, it doesn't affect all baby boomers, but you're well-versed, Chuck, in your awareness that there is a substantial portion of the generation that lived beyond their means and their investment plan went south, the values of their homes went south, their credit cards continued to go north, they drained their 401k's and now they don't have anything left. MELODY: And cruises. Botox, golf and cruises. MELODY: Go ahead. CHUCK: At some point in time- MELODY: No because, two and two is four. Year and a half ago, at 56 going into 57, Melody, I'm like anybody else, baby boomer, I thought, well, Gosh, I'm really 39, maybe I'm 41 mentally. My body says this, but Gosh, the body is really, really good and then I end up with a herniated disk for no apparent reason other than I'm just aging and stuff starts to wear out. The day that I had to walk from the bed to the bathroom with a cane at 57 was that realization day that was like, apparently this age thing does have its consequences even when we don't expect it and we have to deal with it and it does bring about an awareness that we might not be able to work forever. MELODY: You may not be able to work forever, but if you're going to need the income, this is the thing, you see. MELODY: [coughs] Because even though one of the people in the couple is keeping an ongoing record, there's usually one- They're spending money on the side. When you're earning money and you're getting a check every two weeks, it's really easy to hide your sin. [Chuck and Melody laugh] MELODY: If you will, okay? [coughs] So it's knowing how much money that you require a month, but that's for your basic survival. MELODY: Exactly! My guest that I here have on Straight Talk Radio is Melody Juge with Life Income Management. You can find her at She has a great section of questions and answers that you can look at, but my suggestion is talk to her because, as you have heard, she is a wealth of information. The website is and we're talking with Melody Juge who is the founder and managing director of Life Income Management. We were talking about, it's kind of funny, in the second segment going into the third, we were talking about what I'm going to call "the responsibility of the baby boomers to think about budget, manage and plan for a point in time in life when you no longer will be generating the income that you've generated from your thirties to your late fifties". Melody, you kind of made the comment as we were on break, you can see my eyes rolling, sort to speak, although I'm on the telephone, but I can [27:52] for the radio show, I'm going to say a lot of baby boomers haven't given the first thought to- Well, I'll take it back, it's not fair. They probably thought about, Gosh, I wonder what's going to happen, as they go to the automobile dealership and either lease the car that's promoted from the low lease rate for the Toyota Cambria or whatever it happens to be, or the Lexus. Or they're buying their automobile on a 72-month payout, when I remember as a kid, 36 months was a long time. So, we have become so accustomed and our economy has become so accustomed to the ease of consuming that I'm not sure that a lot of folks are prepared to plan for the time when consuming isn't going to be a vital part of the our activities. MELODY: Well, they don't have a choice, Chuck. MELODY: No, of course it's accurate. This is a matter of fact. It's a life fact. CHUCK: Right. MELODY: It's a passage of life. MELODY: Well, someone's lack of discipline for how they control their life is really not anything I can comment on. MELODY: First of all, the biggest problem that people have when it comes to annuity is putting all their eggs in one basket. That's number one. MELODY: I have a lots of clients that are in their eighties and they are really, really, really, really, really healthy and they're going live at least another 15 to 20 years. CHUCK: Melody, before we go forward, I hate to say, but we've got to take a break. We're going to come back with Melody Juge and talk about or finish up the conversation on annuities and explore some of the other issues with respect to investment, social security, etc. We'll be back in just a moment. My guest is Melody Juge. She is a regular contributing writer to MarketWatch. You can find her column on In addition to that, you can find her at, and if there has ever been an expert that I have had on the show that can really talk about what the baby boom group needs to do to prepare for the transitions that we're going to be facing in life from moving from active employment into retirement in whatever form that takes, Melody is that person. Melody, we were wrapping up the last segment and I had to cut you off because of a break and I'm so sorry for that, but we were wrapping up the last segment talking about annuities and there were a few things you were talking about. In fact, I think the last you mentioned was it is not an investment. It is an insurance-related product and I didn't want to leave that without you being able to finish up any last thoughts on annuities before we move forward. MELODY: Okay. MELODY: Most people wouldn't be able to afford it. CHUCK: Okay. MELODY: There's nothing better than a whole life insurance products. MELODY: Everything is shortcut, so you're going to leas your car, you're not going to buy. MELODY: It also has a cash value component to it which can be used in retirement. They pay extraordinary dividend, 3-4% usually is what they're paying which- CHUCK: Right. MELODY: So, does that help you on the life insurance [46:27]? Melody, you're a very well-versed person, incredibly intelligent and able to easily maneuver the waters and talk about what to expect. MELODY: I think that everybody needs to relax and plan their retirement and count on social security. MELODY: My market is here. It's today. CHUCK: Melody, we are rapidly running out of time, and I want to say to the folks that are listening, we have had a good, in fact, a great interview talking about managing for retirement. My guest has been, and I'm very thankful, Melody Juge who is the founder of that organization. You can find her on MarketWatch, her articles appear there. She is an expert in, what we the baby boomers need to be thinking about and taking action on. If you have questions or you would like to contact her, feel free to go The information is there and, Melody, thank you so much for being candid, honest, straightforward and helping us focus on the thing that, I guess, us baby boomers are trying to put out of our heads, which is that we do have an expectancy to life and/or death and we need to prepare for that, and you certainly are an expert in that area. Thank you for being my guest. MELODY: Thank you very much, Chuck. Again, Melody, has been my guest here on this show and as I end every show, every choice we make in life has a consequence. Posted by Chuck Gallagher in Straight Talk Radio and tagged Life Income Management, life style needs, Melody Juge, phases of retirement, social security. [cached]

Melody Juge Explains Why General Calculations for Solid Retirement Planning Isn't Enough
October 13, 2014 by Miji PearseLeave a Comment Find out why Melody Juge, managing director at Life Income Management, tells us that Do you agree with Melody? [cached]

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 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™. [cached]

Melody Juge, managing director of Life Income Management in Flat Rock, N.C., says splitting spouses should negotiate ownership of life insurance policies as part of the divorce settlement.
"If your spouse has an insurance policy that you're depending on to take care of you and your kids if he dies, you should have (the) ownership changed to yourself instead of your spouse," says Juge.

Similar Profiles


Browse ZoomInfo's Business
Contact Directory by City


Browse ZoomInfo's
Business People Directory


Browse ZoomInfo's
Advanced Company Directory