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


Your Dream Home


Your Dream Home

A Real Estate Agency That San Francisco Bay Area and Scottsdale, AZ Residents Can Rely On

Financial Concepts, Inc. is a full-service real estate agency that San Francisco Bay Area and Scottsdale, AZ residents can turn to for their property buying and selling needs. We assist you with negotiations, so you can streamline transactions and secure the best possible deal.

Rest assured, our team of experienced and knowledgeable real estate agents will guide you through the process of buying and selling a variety of property types, including beautiful single-family homes. In addition to real estate, we also provide mortgage brokerage, tax preparation, and financial services to meet the needs of a wide range of clients. Call (415) 492-2832 to learn more.

Dependable Real Estate Services for San Francisco Bay Area and Scottsdale, Arizona Residents

Find the home of your dreams or sell your property for a great price with help from Financial Concepts, Inc. We provide outstanding real estate services. Whether you’re buying or selling, we’ll assist you throughout the whole process.

In-Depth Knowledge of the Local Area

Our California real estate division specializes in residential, investment, and relocation properties for both buyers and sellers in the San Francisco Bay Area, including but not limited to Marin, Napa, Sonoma, and Solano Counties.

Our Financial Concepts of Scottsdale, LLC, office real estate division specializes in residential, investment, and relocation properties for both buyers and sellers in Scottsdale as well as Phoenix, Mesa, Gilbert and Maricopa County.

Because we have grown with our communities, our real estate professionals have intimate knowledge of each community’s character, mood, and growth potential. Our associates live in the communities we serve, and they can readily meet the unique challenges and problems families encounter when selecting their new homes.

Buy a House

Financial Concepts, Inc. works with buyers to find the right home at the right price for them. We make it easier to discover single-family homes and other gorgeous residential properties that meet your essential criteria and have all the neighborhood amenities you want. You can also count on us to help you find properties that not only look good but are also perfectly designed for the seasons and climate of California and Arizona.

Sell a House

For sellers, we can do the following:
  • Advertise Your Home
  • Show Your Home to Prospective Buyers
  • Negotiate the Purchase Contract
  • Arrange Financing
  • Oversee the Inspections
  • Handle All Necessary Paperwork
  • Supervise the Closing
Woman Holding a Miniature House Model
Family Lying on Grass in Front of House
Before you sell, we can consult on home selling tactics. Staging the home, making minor or major repairs, and even simply painting the walls can be crucial factors that determine if your property is sold quickly or stays on the market for a long time.

Joe Murphy

Joe Murphy, MSFS, CFP®, President and CEO of Financial Concepts, Inc., is a CERTIFIED FINANCIAL PLANNER™ who has been in private practice for more than 30 years. This experience has provided him with an in-depth knowledge of all aspects of real estate, mortgages, and financial services, which enables him to help his clients plan for their long-term financial success.


  • Real Estate Broker – #01060493
  • Mortgage Broker – NMLS #245973
  • Certified Mortgage Planning Specialist
  • CRB – Council of Real Estate Brokerage Managers
  • GRI – Graduate REALTOR® Institute
  • CMPS – Certified Mortgage Planning Specialist


  • National Association of REALTORS®
  • California Association of REALTORS® (CAR)
  • Marin Association of REALTORS® (MAR)
  • Arizona Association of REALTORS® (AAR)
  • Scottsdale Area Association of REALTORS® (SAAR)

"I worked with Joe to sell my previous home and buy my new home. For each transaction, he was communicative, realistic, and knowledgeable. I knew that Joe was looking out for my best interest in both the sale and purchase of my homes, and I felt completely confident that he would not sacrifice solid contract terms for the sake of making a sale. There were many times during my home buying process that I would ask Joe questions and his answers immediately made me think, "and this is why I trust Joe." I would highly recommend using Joe if you're looking for a realtor that understands the real estate market and will keep your best interest as his top priority."

Deanna M.

"Joe - thanks for the incredible job of selling our home to some very difficult buyers. We really appreciate your skill to get the job done. More important. . . we value your friendship."

Best, Kevin & Cathie

"Joe Murphy was very professional, precise and courteous. He sold my house for more than asking price and took care of all issues that came up. I have used him on many occasions and have had the same great service. He has also procured outstanding loans at very low rates for me in the past and present as well. He is a great financial adviser. I recommend him highly!"

Reno R.

"Joe - what can I say but THANK YOU for helping my son Derek with his first home purchase and financing. . . . Derek actually thanked me for referring you because he said "Joe's the whole package" - I totally agree. THANK YOU SO MUCH JOE!!"

Elaine M.

"Joe has been my accountant for the last 5 years and has recently become my real estate agent as well. He is responsive, thorough, knowledgeable and flexible. It's incredibly convenient when one's real estate agent also has a thorough knowledge of tax laws, making any investment feel that much safer."

Deanna M.

"We just want to say thank you so much for everything! There's no way we could or would have done what we did without you. You made our transition, which could have been very difficult, relatively painless and definitely worry free. We will always recommend you to friends who are thinking of buying or selling a home."

Tom & Jody Y.

"Hi Dawn, Thanks for your help in buying the house. You have being patient and helpful to us during the buying process. Appreciate your thoughtfulness for buying us the home appliances warranty including the pool equipment. We definitely will recommend you to our friends who intend to buy a home. Thanks!"