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Don Beard (Sumter, SC) has been affiliated with Dillard Financial Solutions, Inc. since 2002 as a general agent.  Chief Master Sergeant Donald Beard retired from the U.S. Air Force as Command Chief of 9th Air Force and USCENTAF after nearly 31 years of service.  He is currently working as a Senior Military Analysis, Deputy Director for Alion Science and Technology at Shaw Air Force Base South Carolina.  He is married to the former Julia Crute of Cadiz, Kentucky and they have two children, Donald and Joy.

John Foran (Douglasville, GA) is retired, after over 30 years in the USAF. His last assignment was the Command Chief for the 9th AF, US Central Command Air Force, with more than 350 aircraft and 26,000 active duty and civilian personnel worldwide.

John has been affiliated with Dillard Financial Solutions Inc. since 2003. He is a licensed insurance agent and oversees the Georgia region. Additionally, as a key advisor for the company, he serves as our informational technology support technician. He is an integral part in providing the latest technology and keeping Dillard Financial Solutions on track for the future.

Lorraine "Toby" Horton (Sumter, SC) joined the Dillard Financial Solutions staff early in 2009. She is our Account Specialist and holds a Life, Accident & Health Insurance License in the state of South Carolina. Toby has over 25 years of experience working in client relations and management. She is an asset to the company and is excited about helping our client’s build their future financial wealth.

Toby is married to Bill and they have five daughters and two grand-daughters. Originally from Pennsylvania, she has lived in the south for nearly 20 years. Some of her hobbies include reading, writing and spending time with her children. Toby is an active member of Alice Drive Baptist Church in Sumter.


Mike Fields (Charlotte, NC) was born and raised in Philadelphia PA before moving to the Charlotte NC area. He has been employeed throughout North and South Carolina with the United States Postal Service for 30 years. He has been married to Jackie for twenty-nine years. They have two children and two grandchildren. His hobbies include golf and bowling. He is excited about educating individuals on safe and smart retirement planning.

William & Sherry Taylor (Charlotte, NC) have been married for thirty-one years. They have 2 Sons.

William worked for the U.S. Postal Service for thirty-eight years and seven months, retired in May 2008. Over his tenure he had 9 different managerial positions with the last being the Postmaster of Bessemer City, NC for the last three years.

He is the President of Charlotte Local Branch Management Organization, NAPS Branch 183 and a member of the Bi-State Executive Board. He is also involved in his Church, Mt. Pleasant United Methodist, where he wears several hats from building projects to cooking in the kitchen.

Sherry worked for the U.S. Postal Service for thirty-one years at the Processing and Distribution center and the Airmail Facility and retired in 2009. She has been enjoying every minute of retirement. She helps her parents who are aging and makes sure everything is taken care of for them. She is also known as the pastor's Secretary. She is also heavily involved in her Church activities, at Mt. Pleasant United Methodist Church, Stanley, NC. She is always coming up with cost cutting ideas for the church communications and ensuring that excellent quality is still maintained.



Mathew Morse (Sumter, SC) is a South Carolina native, originally from Charleston. After tying the knot with his wife, Jenna, they moved to Sumter to be closer to her family. Matthew has a strong background in Graphic Design with experience as an Art Director for one of the southeast's largest ad agencies. He has worked with many clients, large and small to create a wide array of marketing material and corporate identity collateral.



Patrick Ginefra (Wilmington, DE) Over the last 12 years Pat has been able to successfully help thousands of clients develop insurance strategies to protect their assets and retirement income. In the past he has also worked as a successful retail business owner and had an earlier background in the telecommunications field.

Pat can offer his business expertise along with a strong understanding of your retirement planning and insurance needs. He has been a resident of Wilmington DE for the last 30 years where he lives with his wife Beth and their two sons.



Brent Dillard (Dalzell, SC) Bio Coming Soon...


Brandon Bowen (Charleston, SC) Bio Coming Soon...



Calvin Bagley (Clayton, NC)

Calvin Bagley, is a retired Federal Employees with 32 years of service. Calvin served in the United States Air Force for 4 years after graduating from high school. After leaving the Air Force Calvin obtained his BS Degree in Police Science and was a police officer for 3 ½ years before his career with the Post Office. Calvin began his career as a letter carrier and serve many managerial positions within the Post Office including, Supervisor, Manager, Postmaster at several towns, and his last position before retirement he was the Manager, Post Office Operations covering all the 275 zip code office. Calvin retired in January 2010 where he became licensed as a Life Agent.

Calvin presently is a Charter Federal Employee consultant and is able to help employees understand their benefits and give them solutions and strategies for a better retirement. Calvin has a Life, Accident & Health or Sickness, and Medicare Supplement Long-Term Care licenses.

Calvin is married to Elena Bagley and they have two children, Carlos their son who has two children Kimsey and a son Harris, Christina has a son named Carter. Calvin enjoys educating employees on their benefits and assisting the on their financial plans. Calvin and wife enjoys traveling and taking time to play with his grand children.





Jerry McCoy (Melbourne, FL) has been a valuable member of the Dillard Financial Team within our Florida Region for approximately 2 years now. Jerry holds a BS from Morningside College and has over 30 years in the Financial Services Industry. He has worked as a banker, stockbroker and a successful insurance agent. As a Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and a Certified Financial Planner® (CFP®), Jerry brings the level of expertise needed to help design our clients with an efficient Life and Health portfolio, as well as safe retirement planning.



Geoffrey Roberts (Sumter, SC) is our web master. He has over 15 years experience in graphic communication industry. He is expert in publication design, web site design and social media. He spent 4 years as a High school teacher and 10 years as an art director for advertising agencies in FL & SC. He & His wife Amy have two children Christopher and Elizabeth Anna.



Teresa West Dillard, Member
Steve Dillard, Member


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