(650) 348-1880
Serving the San Francisco Bay Area Since 1990
"Helping  Build & Protect Your Future"
205 Park Rd., Suite 204
 Burlingame, CA 94010
FINANCIAL CONCEPTS
Insurance and Financial Services
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Financial Concepts
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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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Member of Burlingame
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Emergency Preparedness for Your Finances
Recent catastrophic events have demonstrated that the homes and livelihoods in which we
have invested over many years can be unexpectedly destroyed in a matter of hours. Once displaced, many victims of disasters struggle to get back on their feet financially. While there is no way to prevent a disaster, there are steps you can take to protect yourself and your family from financial devastation should you be forced to evacuate your home in an emergencymore
Archives
Money Management throughout Life Stages
On your way to developing and maintaining good financial health, you know you must accumulate emergency funds for a rainy day.  
A good financial plan often begins with saving three to six months' worth of income and progresses into developing the capacity to meet your personal financial goals in the short term, as well as the long term.  more

Investments
Insurance
Financial Concepts
Registered Representative
Let John Pivirotto put his 25 Years Experience as an Insurance Agent and Registered Investment and Retirement Representative to work for you. With a portfolio of 100's of repeat clients and associations that include the Santa Clara County Bar Association and the North San Diego County Bar Association he will leverage his experience and knowledge to bring you the appropriate solution for your financial service needs.
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Insurance Agent 
Life Insurance gives you the peace of mind that only comes from knowing that your family will be taken care of in the event you can't. Schedule your consultation today and we will perform an in-depth analysis of your insurance portfolio. Whether you need Life, Health, Disability or Long Term Insurance, this in-depth analysis helps us in assisting you in selecting the type and the proper amount of coverage to meet your current and future needsmore
The Right Choice for your Investment Planning, Retirement Strategies and Insurance Needs.
If you are looking for insurance or financial solutions for either business or personal concerns, we offer services to help match your needs. Contact me for an evaluation of your situation or to ask questions pertaining to any of our services.  more
*Disclosure – Securities and Advisory services offered through representatives of Lincoln Financial Securities Corporation, member FINRA & SIPC. 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 and Colorado 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 and Oregon. 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
Offered Through Lincoln Financial Securities Corporation
Offered Through Financial Concepts
Copyright 2009 Liberty Publishing, Inc., Beverly, MA. The opinions and recommendations expressed herein are solely those of Liberty Publishing, Inc., and in no way represent advice, opin ions, or recommendations of the Financial Planning Association, its affiliates or members. CFPTM and CERTIFIED FINANCIAL PLANNER TM are federally registered service marks of the Certified Financial PlannerBoard of Standards (CFP Board). This summary does not constitute legal and/or tax advice and should only be relied upon when coordinated with a qualified legal and/or tax advisor. Febuary, 2009.
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