(650) 348-1880
Serving the San Francisco Bay Area Since 1990
"Helping  Build & Protect Your Future"
Insurance and Financial Services
Main Services
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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Who we are:

Professional Specialties
Financial Concepts
Insurance License-since 1990
California Insurance License#0786047

John David Pivirotto
Insurance License-Since 1986
CA License #0699308 (check our license status)

Registered Representative Since 1986

Investment Advisor Representative since 2002

Currently registered with
Lincoln Financial Securities Corporation

Insurance Sale and Service
Personal & Small Business
 ~ Business Life Insurance Strategies
            * Key Man/Executive Compensation
            * Non-Qualified Benefit Packages
            * Premium Financing
            * Life & Disability Income 
               Buy-Sell Agreement Funding
            * Multi-Life Arrangements            
 ~ Life Insurance Planning 
 ~ Group Health Insurance Plans
 ~ Group Dental, Vision, Disability & Life Ins.
 ~ Individual Disability Income Insurance
 ~ Long Term Care Insurance   

Investment Advisory Representative
Fee Based Financial Planning
~ Investment Analysis & Planning
~ Insurance Analysis & Planning
~ Retirement Planning
~ College Planning
~ Estate Planning
~ Business Planning
~ Retirement Plan Analysis
~ Executive Compensation Funding
Services We Offer:
*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. 
See Lincoln Financial Securities (LFS’) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFS offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFS’ Forms ADV, Part 2A, which describe LFS’ investment advisory services, Regulation Best Interest Disclosure Document, which describes LFS’ broker-dealer services, and other client disclosure documents can be found here.
his 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, Colorado, Oregon, Texas and Washington only. Advisory Services are offered to residents of the state of California and Texas. Lincoln Financial Securities Corporation is not affiliated with Financial Concepts. Financial Concepts offer insurance & financial services to residents in California, Colorado, 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-4729662-050522

John Pivirotto’s California Insurance License #: 0699308
Financial Concepts’ California Insurance License #: 0786047