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Serving the San Francisco Bay Area Since 1990
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     Life Insurance:  Sometimes people buy life insurance before performing a financial needs analysis. You might choose an amount that seems comfortable, without actually taking into account all the potential expenses their families might face in the event of an untimely death. If they did make an objective assessment of the possible economic consequences, they would be doing what is called a financial needs analysis. more

     Disability Insurance:
​How much time and effort went into building your career? Has that career built you a lifestyle? Are you willing to accept the risk that a disability could end your career and devastate your lifestyle? Is the idea of going from fancy restaurants to paper plates at the neighborhood soup kitchen preposterous? Think again. We’ll prove it to you and find a way to protect your most valuable asset- your ability to earn a living!  more


     Long Term Care:  Four Steps for Living Life Happily Ever After: 1) Acknowledging the fact that you’re going to get old and may not be able to care for yourself, 2) Calling Financial Concepts, 3) Finding a simple and economical solution to the possibility of your long-term care needs, and 4) Putting the plan in place is the final step. The four steps to insuring that the rest of your life is protected from the harsh reality of being without. We call it Living Happily Ever After.more

     Group Insurance:
​A business owner must balance the need for valuable, educated and experienced employees and the bottom line expenses that must be paid. Financial Concepts will find the right combination that brings “best in class” benefit to employees as well as provide value to your organization. That’s what we do best! We have the experience and knowledge, plus we have developed numerous partnerships with leading group insurance brokerage firms able to find you the best plans at the best price more

     Individual Medical Insurance:  Finding the right health plan at the right price is hard enough, but maneuvering around the pot-holes, such as insurability, pre-existing conditions and provider networks can be overwhelming. Call today for the assistance you need and deserve. more



REQUEST MORE INFORMATION 
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.
Insurance 

Who do you want to protect against the financial ruin that comes along with the emotional crash when a loved one is lost? We at Financial Concepts can help you plan for the possibility of such a loss. We’ll work with you to find the right benefit amount at an affordable premium. We create a “Financial Needs Analysis” that reflects all aspects of your life to determine what’s needed for your surviving spouse, children and any other loved ones. 

Life InsuranceDisability ProtectionLong Term CareGroup InsuranceIndividual Medical

*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, Oregon and Florida. 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