Lifeline Innovations & Insurance Solutions LLC
Lifeline Innovations & Insurance Solutions LLC

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Lifeline Innovations &

   Insurance Solutions LLC

2950 Buskirk Ave Ste 300

Walnut Creek, CA 94597


Phone: +1 800-503-0056


Or use our contact form.

put Our strategic Solutions to work for you!

Discover the advantages of a truly diversified strategic retirement plan to help you reduce taxes and fees, eliminate stock market volatility, and leave a legacy with Lifeline Innovations & Insurance Solutions.  Learn more.

Meet Our Trusted Advisors

Lifeline Innovations & Insurance Solutions LLC was established by John A. Marques and Melinda A. Moros. Based in Walnut Creek, California, we are your partners and trusted advisors for your retirement and financial planning needs. Get to know us better here!


John A. Marques

President & CEO

Senior Account Executive

CA Insurance License #0797662



For over 32 years, Mr. Marques has been helping individuals and families to protect their assets and create financial security. He has a vast knowledge of the financial services industry and excellent communication skills. John has become one of the most sought-after speakers on the topic of safe money concepts. He has developed unique strategies to help individuals prepare for retirement and help retirees avoid common and sometimes irreversible financial mistakes.


John has also developed an outstanding reputation as one of the most dynamic trainers and motivators in the industry on the subject of Tax-Free Retirement. He has mentored and trained over 2,000 agents over the last 32 years.


He graduated from San Francisco State University in 1981 with a Bachelor of Arts Degree in Broadcast Communication Arts.


John was born and raised in California. John currently lives in Clayton, California, with his wife Kaye where they are raising 8 wonderful children. John enjoys sports and boating with his family in his spare time.


Melinda A. Moros

Vice President

Senior Account Executive

"Your Safe Money Mentor"

CA Insurance License #0E59115




As a Retirement Planning Specialist and speaker, Melinda Moros helps families protect their assets and create financial security using Safe Money concepts. Believing that everyone deserves to retire in comfort and dignity, Melinda helps clients prepare and implement individual retirement plans using Wall Street alternatives.


Melinda is a graduate of St. Mary’s College of California and helps her clients avoid the financial and emotional disasters that often occur due to lack of proper planning or incomplete/inaccurate knowledge. Melinda is always searching for new ideas to better benefit her clients’ financial situation and is highly regarded by her professional colleagues.


A resident of the San Francisco East Bay Area, Melinda is the author of the forthcoming book, The Great Retirement Hoax: How the IRS and Wall Street Have Gutted the American Dream and How YOU Can Retire in Comfort and Dignity.


She spent many years in the corporate world, specializing in financial management for Information Technology, including consulting for Fortune 500 companies. Melinda has authored and delivered technical and financial presentations for large companies and professional associations.


Following her corporate career, Melinda chose a career in financial services so that she could help families and individuals incorporate innovative financial concepts to save money, build wealth, and reduce taxes... safely!  She specializes in retirement planning and is passionate about helping families plan for a more prosperous future.


Originally from Western New York, Melinda has made her home in the San Francisco Bay Area for over 30 years.  She currently resides in Concord along with her furry and feathered family.  Melinda believes in giving back to her community, and in her spare time, she volunteers with SERRA - Sonoma Equine Rescue Rehab Adoption.


 Follow this link to learn more about SERRA and horse rescue in the Bay Area.



Rick Cisneros

Senior Account Executive

Logistics Coordinator

CA Insurance License #0812331





For over 27 years, Mr. Cisneros has helped individuals, families, and businesses to protect their assets and create financial security.  He has also worked with employers to provide additional financial security for employees with cafeteria plans.  With vast experience in the senior market, Rick has attained the credential of “Certified Senior Advisor” (“CSA”). 


Rick graduated from the University of Texas at El Paso in 1979 with a Bachelor of Science Degree in Criminal Justice.  He also acquired certification as a paralegal from Southwestern Paralegal Institute in Houston, Texas.  Rick’s main focus was estate planning law which eventually led him to the financial services industry.


Rick was born and raised in El Paso, Texas, and he currently lives in Clayton, California.  He enjoys many different sports and also enjoys a healthy lifestyle, working out 5 to 7 times each week. 




Krysta is the newest member of our team and comes to us with over 6 years of experience in Data Entry, Administrative Services, and Office Management.  She is currently obtaining her life insurance license to assist in the growth of our business. Her vast knowledge of office operations and record management has made her a great asset.


She has recently moved back to Clayton, California, after living in Houston, Texas, for 2 years.  She is the proud aunt of 3 boys and 3 girls, with another neice and nephew on the way.  Her time off is spent visiting family and enjoying every moment life gives her.

michael turner





Michael Turner is a Certified Estate Planner®, financial professional, and insurance agent with more than 20 years of experience serving his clients’ retirement income, insurance, and estate planning needs.  Michael’s practice is built on providing clients with education and the latest information to help them make informed decisions which are implemented using the best resources, services, and products available.


Many of Michael’s clients discover incredible opportunities as well as avoid potential problems.  He specializes in helping clients create a strategy for retirement, protect their principal, and generate guaranteed lifetime income.


Michael works to continually expand his service to his clients by increasing his knowledge, developing strategic relationships (with estate planning attorneys, for instance), and offering additional services.  Michael is a Business Unit Manager with Cig Corp Realty and Loans, offering full service residential real estate services. He is also a licensed Health Insurance agent offering plans with Kaiser Permanente and Anthem Blue Cross.


Today’s complex issues are real, but so are the solutions.  Michael is committed to helping you get the information you need to make the right decision for your financial future. 


Stephen Rose

Senior Account Executive

CA Insurance License #0740199


Stephen has a broad background in corporate marketing and sales management, and he has owned various businesses in the fields of business consulting, business sales and acquisitions, franchising, real estate, and personal consulting in the financial services sector. He has developed and trained teams in all of these business areas over the years.


“Steve” has also been a personal production leader in his capacities of owner and manager of these ventures, as he has always had a personal drive to lead by example. As an entrepreneur, he is usually working in multiple or combined facets of these somewhat related but differing specialties of the business and personal consulting world. Steve has a great thirst for knowledge and the desire to be on the cutting edge of product development and technology. Together with a commitment to bring the best possible solutions to his clients, these qualities have produced a broad and interesting career. He has been insurance licensed for over 30 years, so he has seen quite an evolution in the field as new and better products are brought into the marketplace to meet the challenges of changing times and the changing needs of the consumer.


Steve thoroughly enjoys making a difference in people’s lives with the perspectives and solutions he brings to the table. Having received an engineering degree many years ago, a problem-solving approach in building and protecting wealth is second nature to him. His children all have professional careers in other parts of the country, but he just can’t bring himself to leave California, so he lives with his wife in the Sacramento area.

Gregory Talbot

Senior Account Executive

CA Insurance License #0D58956



Greg Talbot has been a licensed insurance professional since December 1996.  He met his lovely wife, Caetrina, at Arizona State University where he graduated in 1985.  Greg and Caetrina have twin daughters who are 19 years old.


When you think of Greg, think of stability, integrity, honesty, loyalty, and dedication.  "I always try to find a personalized solution for my clients' concerns and needs.  This is why my loyalty lies with each of my client's needs, not any specific insurance carrier".


For 5 years in Tucson, Arizona, he hosted a financial radio talk show called "The Safe Money Store", with the tag line, "Greg Talbot, your go-to guy for safe money solutions, where your money is always SAFE AND GUARANTEED".


For over 18 years Greg has been helping families just like yours prepare for the complexities of retirement.  Currently Greg and his family split time between Scottsdale, Arizona and Northern California.

Do you still have questions?

Call us at +1 800-503-0056 or use our contact form.

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