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Serving the San Francisco Bay Area Since 1990
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Financial Concepts
Insurance and Financial Services
Let us put our Knowledge and Experience to Work for you!
Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts
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Latest News
Emergency Preparedness for Your Finances
Recent catastrophic events have demonstrated that the homes and livelihoods in which we
have invested over many years can be unexpectedly destroyed in a matter of hours. Once displaced, many victims of disasters struggle to get back on their feet financially. While there is no way to prevent a disaster, there are steps you can take to protect yourself and your family from financial devastation should you be forced to evacuate your home in an emergencymore
Money Management throughout Life Stages
On your way to developing and maintaining good financial health, you know you must accumulate emergency funds for a rainy day.  
A good financial plan often begins with saving three to six months' worth of income and progresses into developing the capacity to meet your personal financial goals in the short term, as well as the long term.  more

Financial Concepts
Investment Adviser/ Registered Representative
Let John Pivirotto put his Years of Experience as an Investment Advisor and Registered Investment and Retirement Representative to work for you. With a portfolio of existing and repeat clients and associations he will leverage his experience and knowledge to bring you the appropriate solution for your financial service needs.
Click here for more Advisory information. 
Click here for more Investment information.

Insurance Agent 
Specializing in Advanced Planning for Businesses, John Pivirotto's access to sophisticated Life Insurance planning tools and strategies provides business owners and key employees with executive compensation benefits that can afford them a comfortable retirement and provide continued financial protection for their families. Life Insurance gives you the peace of mind that comes from knowing that your family will be taken care of in the event you can't. Schedule your consultation today. Click here for more Business Planning information.
Click here for General Insurance information.

The Right Choice for your Insurance, Advisory, Asset Management and Retirement    Strategy Needs.
If you are looking for insurance or financial solutions for either business or personal concerns, we offer services to help match your needs. Contact me for an evaluation of your situation or to ask questions pertaining to any of our services.  more
*Disclosure – Securities and Advisory services offered through representatives of Lincoln Financial Securities Corporation, member FINRA & SIPC. FINRA Branch Office: 233 Bloomfield Road, Burlingame, CA 94010. 
This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and client suitability is reviewed and determined. Information relating to securities is intended for use by individuals residing in California, Oregon, Washington and Colorado only. Advisory Services are offered to residents of the state of California only. Lincoln Financial Securities Corporation is not affiliated with Financial Concepts. Financial Concepts offer insurance & financial services to residents in California, Florida and Oregon. Variable & Group insurance products offered through LFS Marketing and Insurance Sales Corporation; fixed insurance products offered through Financial Concepts Insurance & Financial Services.                                                                            
​ LFS-1940013-110217                                                                                                                                                                                                      
John Pivirotto’s California Insurance License #: 0699308
Financial Concepts’ California Insurance License #: 0786047                                                                                                      http://brokercheck.finra.org/
Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts
Copyright 2009 Liberty Publishing, Inc., Beverly, MA. The opinions and recommendations expressed herein are solely those of Liberty Publishing, Inc., and in no way represent advice, opin ions, or recommendations of the Financial Planning Association, its affiliates or members. CFPTM and CERTIFIED FINANCIAL PLANNER TM are federally registered service marks of the Certified Financial PlannerBoard of Standards (CFP Board). This summary does not constitute legal and/or tax advice and should only be relied upon when coordinated with a qualified legal and/or tax advisor. Febuary, 2009.