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Financial Concepts
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Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts

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Growing your retirement savings is only one part of planning for your future. 

Have you thought about how you'll turn your savings into a monthly retirement income? 

Annuities are long-term savings vehicles designed to do just that: grow and protect your money leading up to retirement, then turn that money into an income stream you can't outlive. Annuities can either be Immediate (payout begins at purchase) or Deferred (payout begins at a later date).

When the situation is appropriate, after considerable fact-finding and analysis, the use of an annuity may be recommended. Deferred and immediate annuities are available.

Consider purchasing an Annuity to help you prepare for retirement. Explore the options we can offer you:

  • ​Fixed Annuities - for a predictable return
  • Fixed indexed annuities — For a predictable return with growth potential
  • Immediate annuities — for current income
  • Variable annuity — For a maximum potential return 

*Disclosure – Securities and Advisory services offered through representatives of Lincoln Financial Securities Corporation, member FINRA & SIPC. TFINRA 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