problems we solve

Secure monthly income is intended to act like a paycheck in your life. When you retire, it’s a relief to know that your lifestyle doesn’t have to change. At Polychronis Financial Services, our expertise is structuring your finances so that you have set, guaranteed income every month for the rest of your life. We will show you how you can cover the necessities, and still have money left over to enjoy your free time.

Retirement is deeply personal and looks different for everyone. You deserve to speak with someone who will understand your unique needs and help create an individualized path to get you through your journey. At Polychronis Financial Services, we do more than just offer you a standard set of financial products. Our boutique, family-run financial firm is dedicated to getting to know you, and will thoughtfully consider where you’ve been, where you are, and where you want to go.

Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract.  Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.  Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.