For over two decades, Merle Gilley has helped individuals take control and optimize their finances using the MoneyTrax Spending Game. Widely recognized as one of the nation’s leading experts on Index Universal Life (IUL), Merle has been instrumental in product innovation and has served as a trusted advisor to some of the country’s top insurance companies.

Before entering the financial world, Merle served with distinction in the U.S. Air Force’s Strategic Air Command (SAC) as a B-52 crew chief with the 93rd Bomb Wing. After completing his military service, he returned to his hometown of Virginia Beach, Virginia, where he and his wife of 40 years, Monica, built a thriving family business from the ground up. Seeking a safe and reliable way to invest the proceeds, he discovered the untapped potential of IUL.