We are dedicated to increasing your circle of wealth through the application of cutting edge financial strategies. To discover hidden wealth being transferred unintentionally, and systematically redirect this wealth to enhance your estate, improve lifestyle, and provide a comfortable rewarding retirement.

Equity for Life, LLC, is a comprehensive personal and business financial planning firm specializing in successful equity management strategies. It is a privately held company with offices located in Wilbraham, Massachusetts and Chesapeake, Virginia. The founders of the company are Scott Bergman and Merle Gilley.

Mr. Bergman has been a member of the Insurance and Financial Services Industry for over 30 years. He is a Certified Senior Advisor and member of the National Institute of Certified Estate Planners. He is also the current
owner and President of Retirement Planning Associates, LLC, a national brokerage firm managing and servicing hundreds of licensed general agents across the country. He is a General Partner and the President of Equity for Life, LLC.

Mr. Gilley founded and operated a successful advertising firm for 17 years. During that time he became an award winning National Sales Director for several Fortune 500 companies. He specializes in business administration,
marketing, system design and implementation. As the current owner and President of TriQuest Equity Management, LLC, he is also responsible for training and managing hundreds of general agents nationwide. He is a General Partner and the Vice President of Equity for Life, LLC.

Mr. Bergman and Mr. Gilley's combined expertise creates a unique synergy that is rarely seen in any professional partnership. Through their network of agents they hold comprehensive seminars on a national level. The objective of these seminars is to educate individuals on how to capitalize on their most valuable assets- their home and retirement plan. Attendants learn how to optimize one of the last remaining deductions on a tax return- the home mortgage interest deduction.

Equity for Life is based on the concepts of many of the brilliant financial minds of our time, including Marian Snow's "Stop Sitting On Your Assets" and Douglas Andrew’s best selling book “Missed Fortune”, "Missed Fortune 101", and "Last Chance Millionaire". We help individuals understand their most valuable assets in their estate, including their home and retirement plans and how taxation affects them.

A common misconception about the path to financial independence is that the best way to pay off a house is to pay extra principal payments on the mortgage. We can show you that no method of paying extra principal payments is the wisest or the quickest way to accomplish financial independence. A homeowner can accumulate the amount of cash needed to pay off a home just as soon or sooner by using a conservative, tax-deferred mortgage acceleration plan. The most important elements of home equity management are maintaining liquidity and safety of principal and creating the opportunity for home equity to grow in a separate side fund, where it is accessible in the event of an emergency.

We specialize in teaching our clients how to manage and optimize one of the last remaining tax deductions that we Americans have left, your home mortgage interest. You can actually pay off a home using a thirty-year mortgage in thirteen and a half years with the same cash outlay required to pay off a fifteen-year mortgage. And you can accomplish this by using some of Uncle Sam’s money instead of your own. By using our mortgage acceleration plan our clients have drastically enhanced their net worth and generated an extra million dollars or more by safely using lazy, idle dollars that was trapped in the equity of their homes.

Would you like to minimize your taxes? Would you like to keep more money in your estate? Would you like to reduce your current income tax outlay? We help you answer these questions.

We Teach You How To:

• Manage Home Equity Successfully
• Manage your Mortgage to Create Wealth
• Solve IRA & 401(Mk) Dilemma
• Structure Life Insurance to be a Superior Investment
• Access Your Money at Retirement Tax Free