Dillard Financial Solutions Inc | Investment Services
Services
More info
About Us
Here at Dillard Financial Solutions, Inc. we specialize in helping our clients in their efforts to achieve financial independence through safe retirement planning. In this unsettled world we live in you have to know your money will be there when you need it most.
It’s our belief that excellence in service is achieved by treating every client of Dillard Financial Solutions, Inc. as a member of our family. We strive to develop caring and lasting relationships with all our clients.
Steve and Teresa Dillard have been helping clients for over 20 years with a straightforward investment message: There is such a thing as safe retirement planning.
"In this unsettled world we live in, you have to know your money will be there when you need it the most," says Teresa Dillard. "We can help you achieve financial independence and protect your money."
The Dillards, married for 29 years, founded the Sumter, South Carolina based Dillard Financial Solutions, Inc. in 1993, with a vision to help government workers preserve their assets, increase their retirement incomes and reduce their taxes. The firm has over 3,000 clients, mostly pre-retirees or retirees with careers in the military or in federal government and postal positions. The couple is uniquely experienced in government and military benefits, pensions and lifestyle needs. Steve is a U.S. Navy veteran. Teresa has been involved with military service organizations including the Sumter Military Affairs Committee, where she is an active member.
|
Additional Information
Why Life Insurance?
The answer lies in one word — risk. The purpose of life insurance, as with all forms of insurance, is to provide protection from loss by transferring the risk associated with that loss to someone else, i.e. the insurance company. With life insurance, the loss we are generally trying to protect ourselves from is the loss of income in the event of the death of the family breadwinner. In addition to income replacement, life insurance is often purchased to pay off bills including home mortgages and estate taxes that may exist after the insured dies.
What is an Annuity?
An Annuity is a contract between an individual ("annuitant") and an insurance company. The annuitant agrees to pay the insurance company a single payment or a series of payments, and the insurance company agrees to pay the annuitant an income, starting immediately or at the later date, for a specified time period. Annuities are a means by which an individual can manage risk; not the risk of death during income earning years, rather the risk of living too long and running out of money. You can outlive the proceeds of your Keogh, IRA and other investments — but most annuities are designed to provide you with an income for life.
Individual Retirement Accounts
(IRAs). IRAs are personal savings programs which allow individuals to accumulate funds on a tax-deferred basis until they retire. Contributions are used to buy investment property such as stocks or bonds which must be held by a qualified IRA trustee or custodian. There are two types of IRA programs — Traditional IRAs and Roth IRAs.
Wills and Important Papers
Every adult member of your household should have a current will — regardless of how little he or she might own. If you are married, it is extremely important that both you and your spouse have a current will and that it be kept up-to-date. The expenses you incur for having a professionally prepared will usually provide a large dividend when it is time to settle your estate. It might save your survivors a small fortune in estate or death taxes. It will definitely save your survivors the trouble and expense of repeated court trips and related legal costs.
Let us guide you in these important decisions. Contact us today.