(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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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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No one plans to die before old age sets in. No one plans to be disabled and be unable to provide for themselves and their family. No one plans to end up in an old-folks home. No one plans on Colon Cancer or broken ribs. But planning for the unplanned possibilities is called being prepared. We help you plan and protect against the unthinkable. Call us to prepare yourself against the unthinkable realities. 
Financial Concepts offers an in-depth analysis of your insurance portfolio assisting you in selecting the type and the proper amount of coverage to meet your current and future needs. 


Services
As an Investment Advisor Representative (IAR) of Lincoln Financial Securities Corporation under a written service agreement, clients are provided with a financial analysis and plan. Included in the plan will be some or all of the following:

Insurance                              
Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts
*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 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