Your One-Stop Shop for All of Your Real Estate & Financial Needs!
Financial Concepts, Inc.

About Us

About Us

Financial Concepts, Inc. has been providing real estate services and beyond for more than 30 years in the San Francisco Bay Area and Scottsdale, AZ. You can have peace of mind knowing that you have the assistance of reputable professionals in the real estate, mortgage brokerage, tax preparation, and financial services industries.

JOE MURPHY, MSFS, CFP, EA, PRESIDENT/CEO

JOE MURPHY, MSFS, CFP, EA, PRESIDENT/CEO of Financial Concepts, Inc., is a CERTIFIED FINANCIAL PLANNER™ who has been in private practice for over 30 years. This experience has provided him with an in-depth knowledge of all aspects of financial planning, which enables him to help his clients plan for their long-term financial success in all areas listed below:

Services Available

  • Taxes (Preparation and Planning)
  • Mortgages (Purchase/Refinance)
  • Real Estate (Purchase/Sales)
  • Financial Services
  • Retirement Plans (IRA/401k/Planning)

Memberships

  • Institute of Certified Financial Planners
  • Financial Planning Association
  • Int’l Assoc. of Registered Financial Consultants
  • Registered Financial Planner Institute
  • ACAT
  • National Association of REALTORS® (NAR)
  • California Association of REALTORS® (CAR)
  • Marin Association of REALTORS® (MAR)
  • Arizona Association of REALTORS® (AAR)
  • Scottsdale Area Association of REALTORS® (SAAR)

Education

  • College for Financial Planning, Denver, CO
  • Golden Gate University, San Francisco
  • Heald Business College, San Francisco
  • Institute of Business & Finance, La Jolla, CA

Designations

  • MSFS – Masters of Science Financial Services
  • CFP – Certified Financial Planner
  • CFS – Certified Fund Specialist
  • CIS – Certified Income Specialist
  • RFC – Registered Financial Consultant
  • RFP – Registered Financial Planner
  • EA – Enrolled Agent with IRS
  • CTS – Certified Tax Specialist
  • ATP – Accredited Tax Preparer
  • ATA – Accredited Tax Advisor
  • REALTOR®/Licensed Real Estate Broker
  • CRB – Council of Real Estate Brokerage Managers
  • GRI – Graduate REALTOR® Institute
  • A-REO – Accredited Real Estate Owned Agent
  • Equator Platinum Certified REO Agent
  • CMPS – Certified Mortgage Planning Specialist
  • BCAA – Board Certified in Asset Allocation
  • NASD Licensed – Series 6, 22, 63
  • IAR – Investment Advisor Representative
  • QFP – Qualified Financial Planner

Experience

  • Licensed California Real Estate Agent
  • Certified Professional with House Values’ JustListed.com

Education

  • California Real Estate Principals
  • Marin Association of REALTORS® Ethics Training
  • Real Estate Practice
  • Legal Aspects of Real Estate
  • Continuing education through GRI (The Graduate REALTOR® Institute is a nationally recognized professional real estate designation. The GRI designation is considered the nation’s number-one real estate designation.)

Professional Associations

  • Marin Association of REALTORS®
  • California Association of REALTORS®
  • National Association of REALTORS®

Personal Information

  • Born and Raised in Marin County, CA
  • Resident of Sonoma County Since 1994
  • Married with Three Children
  • Enjoys Boating with the Family and Restoring Classic Cars
  • Active in Men’s Organized Softball and Baseball League

Experience

  • Small Business Owner
  • Licensed California Real Estate Agent
  • Certified Professional with House Values’ JustListed.com

Education

  • California Real Estate Principals
  • Real Estate Practice
  • Real Estate Finance
  • Graduate of REALTOR® Institute (GRI) (The Graduate REALTOR® Institute is a nationally recognized professional real estate designation. The GRI designation is considered the nation’s number one real estate designation.)

Professional Associations

  • Marin Association of REALTORS® (MAR)
  • California Association of REALTORS® (CAR)
  • National Association of REALTORS® (NAR)

Personal Information

  • Marin County Native
  • Interests Include Photography, Water Skiing and Mountain Bike Riding

Experience

  • Licensed California Real Estate Agent
  • NASD Licensed – Series 6
  • Licensed Tax Preparer

Education

  • California Real Estate Principals
  • Marin Association of REALTORS® Ethics Training
  • Real Estate Practice
  • Legal Aspects of Real Estate
  • San Jose State University, San Jose, CA

Professional Associations

  • Marin Association of REALTORS®
  • California Association of REALTORS®
  • National Association of REALTORS®

Designations

  • CHS – Certified HAFA Specialist

Personal Information

  • Born and Raised in Marin County, CA