(650) 348-1880
Serving the San Francisco Bay Area Since 1990
"Helping  Build & Protect Your Future"
FINANCIAL CONCEPTS
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Individual Medical
Without assistance from a trained agent finding an individual medical plan that fits you and your family’s needs can be a daunting task. 

From questions about provider lists, deductibles and out-of-pocket maximum concerns to needing assistance with the completion of the application, we at Financial Concepts can assist you with the process. We’ll explain the rules to you and we can instantly determine if you will qualify for coverage. 

Don’t find yourself with a plan that doesn’t fit your needs. Call today for the assistance you need and deserve.
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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