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Serving the San Francisco Bay Area Since 1990
"Helping Build & Protect Your Future"
FINANCIAL CONCEPTS
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Insurance and Financial Services
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Insurance & Financial Services
Life Insurance: Sometimes people buy life insurance before performing a financial needs analysis. Someone might choose an amount that seems personalized, without actually taking into account all the potential expenses a family 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
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 Insurance & Financial Services, 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
A business owner must balance the need for valuable, educated and experienced employees and the bottom line expenses that must be paid. Financial Concepts Insurance & Financial Serviceswill 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
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Thank you for your interest in Financial Concepts Insurance & Financial Services 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.
Insurance
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 Insurance & Financial Services 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.
*Disclosure – John Pivirotto is a registered representative with, and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Financial Concepts Insurance & Financial Services and LPL Financial are separate entities.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
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 Insurance & Financial Services. Financial Concepts Insurance & Financial Services offer insurance & financial services to residents in California, Colorado, Florida and Oregon.
John Pivirotto’s California Insurance License #: 0699308
Financial Concepts Insurance & Financial Services’ California Insurance License #: 0786047
