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FINANCIAL CONCEPTS
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Financial Concepts
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Insurance and Financial Services
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LPL Financial
Offered Through Financial Concepts
Investments
As a Registered Representative of LPL Financial, we can offer you are wide array of financial instruments used to achieve your financial goals. From Mutual Funds to Variable Life Insurance to Indexed Annuities, our quiver of available arrows to help you achieve your goal is available. Ask how we can assist you find the right match to fit your risk tolerance and your time horizon.
As a general rule, your investment program should be built like a pyramid- a strong, wide, supporting base that holds the foundation of your investments. These instruments include a Savings Account, T-Bills, Fixed Annuities, Money Markets and Traditional, Cash-Value Life Insurance.
Further up the pyramid you’ll want to place conservative investments. Less in quantity than the foundation that holds the footing firm, this category of investments include, but are not limited to: Conservative Equities like Balanced Mutual Funds, Government, to include some Municipal, and High Grade Corporate Bond Mutual Funds, Pension Plans, and your residence.
The next category is further up the pyramid, so there is less quantity and more potential risk of loss of principal. This category includes Growth Stocks and Mutual Funds, Variable Cash Value Life Insurance, Investment Real Estate and Limited Partnerships. You’ll want to exercise prudence when determining what and how much of your portfolio is part of this category.
At the top of the pyramid is Speculative Investments. Investments in Commodities, such as Gold and other rare earth minerals, Oil Exploration, Art, Options and Venture Capital positions are included in this category. Caution should be taken if being sold a position in any of these instruments. Contact a trusted advisor prior to any purchases.
Finding the right investments for your particular situation should be left to a professional who has the experience and knowledge to listen to what you’re saying, to understand what you want to have happen and then to recommend a sound, solid portfolio that meets your criteria. All this needs to be done with an understanding that you need to be advised, not sold.
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Thank you for your interest in LPL Financial's financial planning products and services for both individuals and businesses. We invite you to give us a call or email us with your questions. We can help you develop clear solutions right from the start.
*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
