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Serving the San Francisco Bay Area Since 1990
"Helping  Build & Protect Your Future"
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Financial Concepts
Insurance and Financial Services
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Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts

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     Life Insurance:  Sometimes people buy life insurance before performing a financial needs analysis. You might choose an amount that seems comfortable, without actually taking into account all the potential expenses their families might face in the event of an untimely death. If they did make an objective assessment of the possible economic consequences, they would be doing what is called a financial needs analysis. more

     Disability Insurance:
​How much time and effort went into building your career? Has that career built you a lifestyle? Are you willing to accept the risk that a disability could end your career and devastate your lifestyle? Is the idea of going from fancy restaurants to paper plates at the neighborhood soup kitchen preposterous? Think again. We’ll prove it to you and find a way to protect your most valuable asset- your ability to earn a living!  more

     Long Term Care:  Four Steps for Living Life Happily Ever After: 1) Acknowledging the fact that you’re going to get old and may not be able to care for yourself, 2) Calling Financial Concepts, 3) Finding a simple and economical solution to the possibility of your long-term care needs, and 4) Putting the plan in place is the final step. The four steps to insuring that the rest of your life is protected from the harsh reality of being without. We call it Living Happily Ever After.more

     Group Insurance:
​A business owner must balance the need for valuable, educated and experienced employees and the bottom line expenses that must be paid. Financial Concepts will find the right combination that brings “best in class” benefit to employees as well as provide value to your organization. That’s what we do best! We have the experience and knowledge, plus we have developed numerous partnerships with leading group insurance brokerage firms able to find you the best plans at the best price more

Thank you for your interest in Financial Concepts planning products and services for both individuals and businesses. We invite you to give us a call 1-650-348-1880 or email us with your questions. We can help you develop clear solutions right from the start.

Who do you want to protect against the financial ruin that comes along with the emotional crash when a loved one is lost? We at Financial Concepts can help you plan for the possibility of such a loss. We’ll work with you to find the right benefit amount at an affordable premium. We create a “Financial Needs Analysis” that reflects all aspects of your life to determine what’s needed for your surviving spouse, children and any other loved ones. 

Life InsuranceDisability ProtectionLong Term CareGroup Insurance

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