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Financial Concepts
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LPL Financial
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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 LPL Financial, 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, Texas and Washington only. Advisory Services are offered to residents of the state of California and Texas. LPL Financial is not affiliated with Financial Concepts. Financial Concepts offer insurance & financial services to residents in California, Colorado, Florida and Oregon. 

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