William A. Garland Jr.
Columbia, South Carolina
William A. Garland Jr.
South Carolina Retirement Income & Annuity Specialist
For over 27 years, William A. Garland Jr. has helped retirees, veterans, business owners, and pre-retirees across South Carolina protect their savings, create guaranteed income, and retire with complete financial confidence — all using safe money strategies that carry zero market risk.
- 27+ Years Experience
- Columbia, South Carolina Based
- Annuity & Safe Money Specialist
- Best of South Carolina 2025
- Independent & Unbiased
South Carolina's Trusted Safe Money Expert
William A. Garland Jr. founded PAG Advisory Group with one mission: to help South Carolinians retire with guaranteed income and zero financial stress.
Based in Columbia, South Carolina, William serves clients throughout the state — from Greenville and Charleston to Spartanburg, Florence, Lexington, and the Fort Jackson military community. He brings the same dedication to every client, whether they have $50,000 or $5 million in retirement savings.
As an independent advisor, William is not tied to any single insurance company. He shops across dozens of top-rated carriers to find the annuity product that delivers the best income, growth, or protection for each individual client’s situation.
William’s specialty is translating complex financial products into simple, clear strategies that clients can feel confident about — and then standing by them as their local Columbia, SC advisor for the long term.
“My job is simple: make sure you never run out of money in retirement. I have spent 27 years studying safe money strategies so that you do not have to. You worked hard to save — I make sure it lasts.”
— William A. Garland Jr., PAG Advisory Group
27+
Years of Financial Experience
SC
Statewide Service
100%
Safe Money Focus
Retirement Income Services Offered by William Garland
Every strategy William recommends is built exclusively on safe money principles — protecting your principal while maximizing guaranteed income.
Fixed Annuities
Guaranteed interest rate, full principal protection — a safe alternative to CDs with better yields.
Fixed Indexed Annuities
Index-linked growth with a zero-loss floor — participate in market gains, never suffer market losses.
Income Annuities
Guaranteed monthly paycheck for life — income that cannot be outlived regardless of market conditions.
Personal Pension Planning
Build your own private pension — funded on your schedule, paying guaranteed income at retirement.
Safe Money Retirement Planning
Comprehensive assessment of your current savings risk and a full strategy to protect and grow your money.
Annuities for Veterans
Specialized strategies for South Carolina veterans — TSP rollovers, pension supplements, and survivor planning.
Business Owner Retirement Planning
Guaranteed retirement income strategies for self-employed South Carolinians who have no employer pension.
Life Insurance Retirement Strategies
Use permanent life insurance to create tax-free retirement income and protect your family’s financial legacy.
William Garland Serves All South Carolinians
PAG Advisory Group is based in Columbia, South Carolina and welcomes clients from across the entire state — in person, by phone, or by video.
Retirees
Already retired and want to protect what you have, create more income, or stop worrying about market crashes.
Pre-Retirees
Within 5–10 years of retirement and ready to shift from accumulation to protection and guaranteed income planning.
Veterans & Military Families
Active duty and retired military near Fort Jackson, Shaw AFB, and Joint Base Charleston who need specialized income strategies.
Business Owners
Self-employed South Carolinians building retirement income outside their business — with no market risk.
Widows & Surviving Spouses
South Carolinians reorganizing finances after losing a spouse — protecting their income and financial security.
401(k) Rollover Clients
Retirees converting 401(k) or IRA savings into guaranteed income streams through tax-efficient annuity rollovers.
Why South Carolina Clients Trust William Garland
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Best of South Carolina 2025
Regional Winner — recognized for outstanding service and client results throughout South Carolina.
🔒
100% Safe Money Focus
William recommends only fixed and indexed annuities — products that guarantee your principal is protected.
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Independent Agency
Not tied to any single carrier — PAG Advisory Group shops across top-rated insurers to find the best product for you.
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Locally Based in Columbia, SC
A Columbia, South Carolina neighbor serving the community where we live, not a national call center.
Schedule a Free Retirement Review with William Garland
PAG Advisory Group is based in Columbia, South Carolina and serves clients throughout the state. Call or schedule online — your retirement review is always free and no-obligation.
Frequently Asked Questions About William Garland
Who is William A. Garland Jr.?
William A. Garland Jr. is a South Carolina retirement income and annuity specialist with over 27 years of experience. He is the founder of PAG Advisory Group, based in Columbia, SC, and specializes in helping retirees, veterans, and business owners protect their savings and create guaranteed lifetime income using fixed annuities, indexed annuities, and life insurance strategies.
What does William Garland specialize in?
William Garland specializes exclusively in safe money retirement strategies: fixed annuities, fixed indexed annuities, income annuities, personal pension planning, and life insurance retirement strategies. He does not sell stocks, mutual funds, or variable annuities — only guaranteed, principal-protected products that keep your retirement savings safe from market loss.
Does William Garland work with veterans in South Carolina?
Yes. William Garland has extensive experience working with South Carolina veterans and military families, including those near Fort Jackson in Columbia. He specializes in TSP rollover strategies, military pension supplements, and survivor benefit planning for veterans throughout South Carolina.
Is PAG Advisory Group an independent firm?
Yes. PAG Advisory Group is a fully independent insurance agency. William Garland is not captive to any single insurance company — he compares annuity products across dozens of top-rated carriers to find the solution that delivers the best income, protection, or growth for each client’s unique situation.
How do I schedule a meeting with William Garland?
You can schedule a free, no-obligation retirement income review with William Garland by calling (803) 832-7575, emailing wg@padvisorygrp.com, or visiting the contact page at padvisorygrp.com. In-person meetings at the Columbia, SC office, phone consultations, and video meetings are all available — at no cost or commitment.
