Serving the San Francisco Bay Area Since 1990
"Helping Build & Protect Your Future"
Insurance and Financial Services
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
Pension Planning / 401K Retirement Plans
Retirement Plans couldn’t be more confusing for the average businessman/woman. There are so many plans available and all kinds of requirements and limits. Financial Concepts, in partnership with a number of professional firms called Third-Party Administrators, or TPAs, create and administer your “qualified plan” all while staying within the administrative rules and guidelines.
Yes, we’ll make sure your plan is in compliance with the rules; keep you out of trouble, but most important we work with you to design a plan that fits what you’re trying to accomplish.
What do you, the business owner, want from the retirement plan? Financial Concepts listens then goes to work to provide you with the most appropriate plan and investment choices to fit your company’s needs and cost point. From set-up and sign-up to posting details of the plan, we are committed to providing the best plan and service possible. Contact us for more details and to arrange a no-obligation appointment.
If you’re a high-income earner and/or short on time to accumulate funds for your retirement, you might be interested in a defined-benefit plan, also known as a pension plan, to facilitate your needs. We can handle the administration of these plans as well as recommend investments for the plan that are meant to provide safe and secure results.
If you are an employee ready to retire and looking for an alternative to leaving your retirement funds with the company, contact us today for a no-obligation conversation to evaluation your circumstances. We specialize in IRA rollovers that fit your requirements.
*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, Nevada, Oregon, Texas and Washington only. Advisory Services are offered to residents of the state of California only. Lincoln Financial Securities Corporation is not affiliated with Financial Concepts. Financial Concepts offer insurance & financial services to residents in California, Colorado, Oregon and Florida. Variable & Group insurance products offered through LFS Marketing and Insurance Sales Corporation; fixed insurance products offered through Financial Concepts Insurance & Financial Services.
John Pivirotto’s California Insurance License #: 0699308
Financial Concepts’ California Insurance License #: 0786047