(650) 348-1880
Serving the San Francisco Bay Area Since 1990
"Helping  Build & Protect Your Future"
Insurance and Financial Services
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Financial Concepts
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

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No one plans to die before old age sets in. No one plans to be disabled and be unable to provide for themselves and their family. No one plans to end up in an old-folks home. No one plans on Colon Cancer or broken ribs. But planning for the unplanned possibilities is called being prepared. We help you plan and protect against the unthinkable. Call us to prepare yourself against the unthinkable realities. 
Financial Concepts offers an in-depth analysis of your insurance portfolio assisting you in selecting the type and the proper amount of coverage to meet your current and future needs. 

As an Investment Advisor Representative (IAR) of Lincoln Financial Securities Corporation under a written service agreement, clients are provided with a financial analysis and plan. Included in the plan will be some or all of the following:

Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts
*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.
​ LFS-4729662-050522
John Pivirotto’s California Insurance License #: 0699308
Financial Concepts’ California Insurance License #: 0786047