R.S. Dillard Insurance
Robert S. Dillard Insurance
Annuities for
Financial Freedom
Plan for a smooth transition to retirement. Get guaranteed income to manage your expenses.
Annuities for Financial Freedom
Plan for a smooth transition to retirement. Get guaranteed income to manage your expenses.
What is Annuity?
An Annuity is a financial agreement with an insurance company. You invest money now, and they guarantee regular payments later. It's like turning your savings into a reliable retirement income stream.
Types of Annuity
Fearful of Retirement? Discover How Guaranteed Lifetime Income Can Secure Your Future and Retire Without Worry
*enter details below to unlock the secret
What is Annuity?
An Annuity is a financial agreement with an insurance company. You invest money now, and they guarantee regular payments later. It's like turning your savings into a reliable retirement income stream.
Types of Annuity
Immediate Annuities
You pay a lump sum of money to the insurance company upfront, and they begin making payments to you almost immediately, typically within a year.
Deferred Annuities
It allows you to grow your money over time before you start receiving payouts. Some allow you to make regular contributions, deferring your taxes.
Multi Year Guaranteed Annuity
A Multi-Year Guaranteed Annuity (MYGA) is designed to offer a guaranteed fixed rate of return over a fixed time period. Similar to a certificate of deposit (CD), with the added benefit of tax-deferred growth on the interest earned until withdrawals begin. It is considered a low-risk investment option because it enhances retirement savings without exposure to market fluctuations.
Variable Annuities
Variable annuities invest your money in the market, offering the potential for higher returns. The payouts fluctuate with market performance, so it's ideal for those comfortable with some risk for a chance at bigger gains.
Fixed Indexed Annuities
Fixed indexed annuities offer a balance. They track a market index, so you have the potential for growth, but also come with a guaranteed minimum return, providing a safety net if the market dips.
Fearful of Retirement? Discover How Guaranteed Lifetime Income Can Secure Your Future and Retire Without Worry
*enter details below to unlock the secret
Understanding Your Retirement Number and How Annuities Can Help
Planning for a secure retirement starts with knowing your "retirement number."
This is the total amount of money you'll need to maintain your desired lifestyle after you stop working. It's a personal number that factors in your income needs, expenses, and desired retirement age.
About Me
My journey in the insurance industry began in 2008, while working for a trucking company. Obtaining my license in 2016 solidified my commitment to a field that holds immense potential for positive change.
The profound impact insurance can have on individuals and families has always resonated with me. This realization was deeply personal. My mother's untimely passing at 48, without the protection of insurance, was a heartbreaking experience. Witnessing firsthand the devastating consequences of being unprepared, I developed a strong desire to help others build a safety net.
Insurance is more than just a product; it's a lifeline. It offers financial security, peace of mind, and a sense of hope. I am particularly passionate about empowering individuals who are looking to maximize their traditional retirement plans by guiding them toward creating their own financial security. In many cases, this involves supporting them in planning for two retirements, especially when working with the disability community.
I take a team-based and comprehensive approach to working with people, their families, and their professional teams. This includes providing essential support to the special needs community. There are many areas where insurance products can help us accomplish our planning needs and goals, and this is where I fit into your plans.
My son's disability has instilled in me a deep understanding of the unique challenges faced by families in these circumstances and has given me the opportunity to find solutions to those challenges.
Immediate Annuities
You pay a lump sum of money to the insurance company upfront, and they begin making payments to you almost immediately, typically within a year.
Deferred Annuities
It allows you to grow your money over time before you start receiving payouts. Some allow you to make regular contributions, deferring your taxes.
Multi Year Guaranteed Annuity
A Multi-Year Guaranteed Annuity (MYGA) is designed to offer a guaranteed fixed rate of return over a fixed time period. Similar to a certificate of deposit (CD), with the added benefit of tax-deferred growth on the interest earned until withdrawals begin. It is considered a low-risk investment option because it enhances retirement savings without exposure to market fluctuations.
Variable Annuities
Variable annuities invest your money in the market, offering the potential for higher returns. The payouts fluctuate with market performance, so it's ideal for those comfortable with some risk for a chance at bigger gains.
Fixed Indexed Annuities
Fixed indexed annuities offer a balance. They track a market index, so you have the potential for growth, but also come with a guaranteed minimum return, providing a safety net if the market dips.
Understanding Your Retirement Number and How Annuities Can Help
Planning for a secure retirement starts with knowing your "retirement number."
This is the total amount of money you'll need to maintain your desired lifestyle after you stop working. It's a personal number that factors in your income needs, expenses, and desired retirement age.
About Me
My journey in the insurance industry began in 2008, while working for a trucking company. Obtaining my license in 2016 solidified my commitment to a field that holds immense potential for positive change.
The profound impact insurance can have on individuals and families has always resonated with me. This realization was deeply personal. My mother's untimely passing at 48, without the protection of insurance, was a heartbreaking experience. Witnessing firsthand the devastating consequences of being unprepared, I developed a strong desire to help others build a safety net.
Insurance is more than just a product; it's a lifeline. It offers financial security, peace of mind, and a sense of hope. I am particularly passionate about empowering individuals who are looking to maximize their traditional retirement plans by guiding them toward creating their own financial security. In many cases, this involves supporting them in planning for two retirements, especially when working with the disability community.
I take a team-based and comprehensive approach to working with people, their families, and their professional teams. This includes providing essential support to the special needs community. There are many areas where insurance products can help us accomplish our planning needs and goals, and this is where I fit into your plans.
My son's disability has instilled in me a deep understanding of the unique challenges faced by families in these circumstances and has given me the opportunity to find solutions to those challenges.
WHAT OTHERS SAY ABOUT MY SERVICES
Kim Wexler
I was overwhelmed by insurance options until I met Robert. He simplified everything, found the perfect policy for me, and was always available for questions. Highly recommend!
Jesse White
Robert is incredibly knowledgeable and patient. He took the time to understand my needs and found me a policy that exceeded my expectations. Best insurance experience ever!
Jimmy Goodman
I appreciate Robert's dedication to his clients. He always goes the extra mile to ensure I have the right coverage and peace of mind.pen_spark
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Disclaimer
Regulatory Disclosure: Not Legal, Tax, or Securities Investment Advice:
The material discussed is meant for general illustration and/or informational purposes only and it is not to beconstrued as tax, legal, or investment advice, nor does it represent any specific company or specific products.
Robert S Dillard, RFC® is not registered nor licensed as a Registered Investment Advisory Firm (RIA), InvestmentAdvisor Representative (IAR), nor as a Registered Representative (RR) with any broker/dealer firm, and is therefore notregistered with, or supervised by, the U.S. Securities and Exchange Commission (SEC), Financial Industry RegulatoryAuthority (FINRA), or any state securities regulatory office.
As such, Robert S Dillard, RFC® does not provide investment advice, specifically: buying, selling, holding, risk analysis, or any other analysis of securities, nor the assetallocation of securities portfolios. For specific investment advice on your securities investment portfolio, please contact alicensed and registered investment professional in your state.
Robert S Dillard, RFC® does offer general investment information for educational purposes and may proposealternative financial strategies that do not contain or include securities. He does also discuss the pros and cons of variouskinds of accounts (such as IRS regulated retirement plans) and is considered incidental advice surrounding various strategiesand solutions, but does not necessarily constitute advice on the underlying securities.
For tax or legal services and advice, please consult a licensed professional in your state. Although the information has beengathered from sources believed to be reliable, please note that individual situations can vary and the information should berelied upon only when coordinated with individual professional advice.
Robert S Dillard, RFC® is a life, accident & health insurance agent NPN # 18202697(CA Insurance License#0L50701) the marketing name for Robert S Dillard is not affiliated with any other company.
Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Guaranteesdo not apply to the performance of any particular index option on fixed indexed insurance contracts, or on projected dividendson participating insurance contracts. Planning results are not guaranteed and are subject to individual situations andcircumstances.
The RFC® designation is conferred and issued by the International Association of Registered Financial Consultants (IARFC)and is used by permission.