(650) 348-1880
Serving the San Francisco Bay Area Since 1990
"Helping Build & Protect Your Future"
FINANCIAL CONCEPTS
Insurance and Financial Services
Main Services
Financial Concepts
Investments
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
As an Investment Advisory Representative of Lincoln Financial Securities Corporation, we primarily provide asset management services, including advice regarding the selection of other investment managers. We also provide financial planning services, which is based upon your own individual financial outlook and personal objectives. Many of our clients are like you, affluent individuals, business owners, corporate executives and professionals. We provide them and can provide you access to investment solutions, either through investment advice, securities, or other financial instruments that may be used to implement your financial plan and pursue your investment objectives.
Achieving ones financial goals involves a multitude of choices being made simultaneously. They most likely interact with other factors that lead to success or failure or to somewhere in between. Our job as your Investment Advisor is to help you determine where you currently are financially, where you want to go financially and most important, how to get there. We assist you in achieving their financial goals by providing personalized financial planning services and investment solutions.
Access to our Wealth or Asset Management Services is available through a signed agreement for services and disclosure of fees either directly with Lincoln Financial Securities and/or the service provider or money manager. We will consult with you to assess your financial situation, identify investment objectives and determine which services are appropriate for you.
Our advisory services are provided through a Financial Analysis and Plan or through Consultation Services.
Financial Analysis & Plans
Under a written service agreement, we will obtain information from you regarding your assets, liabilities, present and future obligations and income as well as a cash flow analysis and any other data necessary for a complete evaluation. Once gathered we will furnish you with a Financial Analysis and Plan that will include some or all of the following:
- A summary of your current financial situation
- Summary of your financial and insurance goals
- Non-product specific recommendations that may include potential strategies to pursue your goals, the repositioning of current assets and the directing of current and future invested assets.
Consultation Services
Under a written service agreement, our consulting services provided general investment advice and guidance. It may include:
- A review of your current investment portfolio prepared by an entity other than LFS or ourselves.
- A review of your financial plan or any portion of prepared by an entity other than LFS or ourselves.
- A discussion of a generic investment portfolio or investments in general with you that is not involving any specific investment recommendations.
- A review of you current retirement, estate or college funding plan.
- A review of any financial documents at the request of other professionals, including but not limited to attorneys and accountants.
Advisory Services
*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
http://brokercheck.finra.org/
