Client Stories

Stories that show the power of having a plan before you need it

The Sandwich Generation Wake-Up Call

Maria, Age 49 | Full-Time Employee | Caregiver | Mother of Two

Maria is doing it all—working full-time, managing two teenagers, and helping her father navigate early signs of dementia. Her husband’s job covers the bills, but just barely. She worries about college costs, her aging parents, and whether she’s doing enough to prepare for her own future.

She remembers reading something about long-term care once… but life got busy. Then one day, her father had a fall. Suddenly, Maria is faced with questions she wasn’t ready to answer:
Who pays for this? How long can I afford to miss work? Do I have coverage for this?

That’s when she found Ai Merchantry.

In one consultation, she learned about asset-based long-term care that could protect her family’s future without draining her savings. She realized it’s not just about insurance. It’s about protecting her time, her dignity, and her kids’ peace of mind.

If you're in that in-between space—raising kids while caring for parents—this scenario is yours.
Don’t wait until a crisis forces your hand.

From Hustle to Harmony: A Business Owner’s Shift

Derrick, Age 38 | Owner of a Growing Landscaping Company

Derrick started his business with a pickup truck and a dream. Ten years later, he's managing 18 employees, a $1.2M revenue stream, and working 70+ hours a week.
He’s proud—but also stretched. No retirement plan. No key person insurance. No business succession plan. If something happened to him… everything would stop.

At a business networking event, he heard about Ai Merchantry's Business Owner Solutions Suite (BOSS). He wasn’t looking for "insurance"—he was looking for a roadmap.

With one strategy session, he got:
✅ A tax-smart retirement plan using a cash-value life policy
✅ Buy-sell funding for his partner
✅ Key person insurance for his right-hand ops manager
✅ Advice on creating an exit plan and generational wealth for his kids

Derrick didn’t want a policy. He wanted a plan—and that’s what Ai Merchantry delivered.
Now, his business serves him… not the other way around.

The Near-Miss That Changed Everything

Ethan, Age 45 | Project Manager | Married with Three Kids

Ethan was the family breadwinner, with a mortgage, three kids in sports, and plans for college savings “once things slowed down.” One afternoon, he had a minor heart scare that sent him to the ER. Thankfully, it wasn’t serious—but it woke him up.
If it had been worse, how would his family have kept the house? Paid tuition? Stayed afloat without his income?

That’s when he connected with Ai Merchantry.

We showed Ethan how life insurance with living benefits could protect his family’s income, allow him to access funds if a serious illness ever struck, and still build a legacy for the future. He realized protecting his earning power was just as important as building wealth.

You don’t wait for the storm to buy an umbrella. You get one before the clouds roll in.

The Business That Outgrew Its Safety Net

Nina, Age 54 | Owner of a Growing Catering Company

Nina built her catering company over 20 years, turning a home-based kitchen into a thriving operation with 22 employees. But while her business grew, her protection plan never changed. No buy-sell agreement. No key person coverage. No clear exit strategy.

A coffee meeting with Ai Merchantry changed that.

Through our Business Owner Solutions Suite (BOSS), Nina created a succession plan, funded buy-sell agreements, and insured her head chef—her most valuable employee after herself. Now, she has an exit plan that will protect her business and her personal retirement.

Growth without protection is like building a house without a foundation—it won’t stand for long.

The Inheritance That Almost Vanished

Thomas, Age 60 | Recently Widowed | Retired Military

When Thomas’s wife passed away, she left him a small investment portfolio and their family home. A friend mentioned estate taxes and probate fees could consume a surprising amount of what he planned to leave to his children.

Unsure what to do, Thomas met with Ai Merchantry.

We helped him restructure his assets, set up a trust, and fund a permanent life policy to offset estate costs. His kids will now inherit more—tax-efficiently—while also having the funds to maintain the family home for generations.

Planning ahead isn’t about you—it’s about making life easier for those you love.

The Couple Who Finally Got on the Same Page

Sophie & Miguel, Ages 37 and 39 | Dual-Income | Parents of a 4-Year-Old

Sophie handled the bills. Miguel managed the investments. Neither truly knew the full picture of their finances—and that led to disagreements about spending, saving, and what they could really afford.

One online workshop with Ai Merchantry changed that.

Using our Asset-Map® tool, they saw everything—bank accounts, investments, debt, insurance—on one page. They spotted gaps, set shared goals, and created a plan for college savings and retirement that they both understood.

When couples can see the same picture, they can dream the same dream.