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Don Beard 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 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 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.


Wray Mathews is a native of Charleston SC. He has been serving the Lowcountry for over 30 years. Wray can help you find the right solution to match your current and future financial goals.

Matthew Morse 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.

Doug Priester is a graduate of Industrial Technology from the University of Southern Mississippi. By the age of 12 he was working with his parents in the commercial construction business and later went on to design and sell commercial construction projects.

After moving to Montgomery, Alabama in 1975, Doug changed his career field and became a real estate agent and in 1983 he moved to life insurance. Doug has worked almost exclusively in the postal benefits business for 7 years. And the insurance business for 28 years.

Doug and his wife reside in Waynesville, NC and live in the house that his wife grew up in. He enjoys traveling and is an avid photographer. Doug says that he used to do a lot of bass fishing, "but can't seem to find the time anymore." The Priester's have five children and six grand-children.


Patrick Ginefra 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.


Jerry McCoy 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 is our marketing director. 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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