(650) 348-1880
Serving the San Francisco Bay Area Since 1990
"Helping  Build & Protect Your Future"
FINANCIAL CONCEPTS
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Financial Concepts
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Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts
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Group Insurance

Financial Concepts utilizes national brokerage firms which provide us with a wide berth of carriers to fit a business’ group insurance needs. Our 25 years of experience provides the knowledge and experience to determine a firm’s needs and budget. We then search for best fit alternatives that we bring to your attention. From that point it’s fine tuning for optimum results.  

Not limited to health insurance, Financial Concepts has access to dental plans, including Delta Dental, vision plans, including VSP, short term and long-term disability (STD/LTD) plans available from multiple carriers at different price points, as well as voluntary and specialty plans such as “bridge” policies, accident insurance, cancer insurance, critical illness and more. 

The rules today for small group plans are complex and cumbersome. Why leave it to a less-experienced agent when you can have the knowledge and experience that 25 years in the small group insurance can bring? Call today or send over a census and let us get started on a better, more cost-effective benefits plan for you and your business. 


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Thank you for your interest in Financial Concepts planning products and services for both individuals and businesses. We invite you to give us a call 1-650-348-1880 or email us with your questions. We can help you develop clear solutions right from the start
*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 and Oregon. Variable & Group insurance products offered through LFS Marketing and Insurance Sales Corporation; fixed insurance products offered through Financial Concepts Insurance & Financial Services.

John Pivirotto’s California Insurance License #: 0699308
Financial Concepts’ California Insurance License #: 0786047
Life InsuranceDisability ProtectionLong Term CareGroup InsuranceIndividual Medical