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

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Lifeline Innovations &

   Insurance Solutions LLC

CA Insurance License #0K32220

4900 Hopyard Rd Ste 100

Pleasanton, CA 94588


Phone: +1 800-503-0056

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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.

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The Problem...

Albert said...


     “Insanity: doing the same thing over and over again and expecting different results.



So what is The Problem?

It's not just one problem.  There is a whole host of problems with our financial system and the way that Americans have been conditioned to spend and save their money.  Here are some of things that contribute to The Problem:

  1. No Safety - Stock Market Volatility - including the risk of principal loss
  2. Taxes - Saving a dollar in taxes today may set you up to pay a lot more than a dollar later
  3. Hidden Fees on your qualified savings
  4. Debt - Interest paid to others
  5. Inaccessibility of qualified savings

We have Innovative Solutions to help you eliminate these problems from your financial life.  And by eliminating these problems, you'll be on your way to becoming a Safe Money Millionaire and enjoying a more satisfying, less stressful life.  


Let's look at some of the components of The Problem a little more closely.....

Retirement Savings Problems

For most Americans, gone are the days of looking forward to a company pension plan at retirement.  Most pension plans (a fixed stream of income - also called "defined benefit" plans) have been replaced with defined contribution plans - 401(k), 403(b), and 457 plans.  These plans are much less expensive for employers, and the burden of managing the funds in these plans falls to the plan participants.


So how has it been working?....


How is your 401(k) these days?  Have you regained the losses you've had over the last decade?  Maybe the stock market is on a great upswing... We all know it can't do that forever, and no one knows how low it will go in the next crash.


Are you tired of riding the stock market roller coaster? 


Based on "average returns", is your nest egg as big as it should be?  (See the Rate of Return Myth here.)


Does the following "conventional" investing advice sound familiar?

  • Diversify your investments with mutual funds
  • Max out your 401(k) contributions
  • Put your money in the stock market and get a good rate of return
  • Buy low and sell high
  • Keep your credit score high and shop for low interest rates
  • Buy term and invest the difference
  • Defer taxes until later


How has this conventional wisdom worked for you?  How well do you think it has worked for the "average" American?  Here are some statistics:

  • Trillions of dollars have evaporated from 401(k) accounts (1)
  • 71% of Americans between the ages of 45 and 64 admit they are worried about having enough money for retirement (2)
  • Half of all American households headed by workers age 55 to 64 have less than $88,000 saved in retirement accounts (3)
  • The average American household with at least one credit card has nearly $10,700 in credit card debt (4)
  • The average American is paying up to 34.5% of their after-tax income in interest (5)
  • In 2010, 250,000 homes went into foreclosure every three months (6)


How is this working out for you?  Did you squirm when you read that list?  Do you see yourself in any of these statistics?

But what about a crisis a little closer to home..... What if you suffer from some sort of serious illness or accident which changes your life.... and not in a good way.


Would you and your family have the resources to overcome a major life event such as a traumatic injury or debilitating illness?



What if a spouse in a dual-income family requires extended rehabilitation or in-home care to recover?  Or what if a spouse becomes permanently disabled and needs lifetime assistance with daily activities? 


Unfortunately, these situations occur without warning and families must make major life decisions immediately, far too often without adequate resources.

While many working adults may have medical benefits, what about loss of income for extended periods?  Will disability benefits (if eligible) be sufficient to pay for all of the everyday expenses such as rent/mortgage, groceries, utilities, lines of credit, insurance, etc?


Critical illness causes over half of all personal bankruptcies.

Do you own a small business?  Would that business continue to function properly if you were unable to work in that busines for an extended period due to a critical illness or injury?  What if you were permanently unable to work in your business?


Almost half of all business failures can be attributed to a critical illness or injury.

"The American public has been hoodwinked by political and corporate forces into relying on the 401(k) as the primary long-term investment mechanism.  In doing so, the stock market has been put at center stage in providing for a comfortable retirement for the average American.  The 401(k) represents an implicit promise to middle-class Americans that they can live off the income that they receive from stock ownership, just like the rich do.  It is a promise impossible to fulfill; it is the great 401(k) hoax." (7)

The 401(k) Fallout of the Great Recession (8)

Hidden Fees in 401(k)s (9)


  1. 60 Minutes, 401(k) Recession, Ira Rosen
  2. U.S. News and World Report; 7 Retirement Risks You Need to Prepare For, April 2, 2010.  Emily Brandon
  3. Federal Reserve Board, 2004
  5. Become Your Own Banker, 2008, Nelson Nash
  6.; Foreclosure statistics
  7. The Great 401(k) Hoax:  Why Your Family's Financial Security is at Risk and What You Can Do About It, William Wolman and Anne Colamosca (Cambridge, MA:  Perseus Publishing, 2002)
  8. Video courtesy of CBS 60 Minutes, "401(k) Fallout of the Great Recession", Steve Kroft reports.
  9. Video courtesy of Bloomberg News, "The Truth Behind Hidden Fees in 401(k) Plans", reported by Gary Matsumoto.  Original air date June 19, 2008.  See for additional attributions. 
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