Merle Gilley

Employee Benefits & Retirement Planning Specialist

Virginia Beach, VA

My team specializes in the GOALL (Growth Only Automated Life & Legacy) Program that helps businesses thrive by providing competitive benefits that attract, retain & tether their top talent while protecting them from life’s risks.

What is your biggest challenge?

  • Hiring Top Talent

  • Employee Retention

  • Tethering Top Talent

  • Saving on Benefit Cost

  • Reducing Taxable Income

I can help with all of these challenges a business owner faces with a solution that addresses your employees wants. We are having great success with business owners often saving them 40% on their employee benefit costs.

Let’s connect and explore how the GOALL Program can help you achieve better benefits, lower costs, and higher employee retention—without disrupting your cash flow.

The GOALL Difference

The GOALL Program offers a powerful solution for achieving financial security. It can help individuals buy their first home, cover medical expenses, pay for college tuition, build a retirement fund, and more.

Unlike traditional retirement plans, the GOALL Program provides greater financial protection. While standard plans offer tax-deferred growth and employer-matching contributions, they leave employees vulnerable to market downturns. Additionally, traditional plans impose penalties for early withdrawals before age 59½, limiting financial flexibility.

With most retirement plans, there is also a high likelihood that Social Security benefits will be taxed. The GOALL Program eliminates compliance fees for employers and offers superior benefits, including a "loyalty match". In the event of injury, chronic illness, terminal illness, or critical illness, participants receive significantly more financial support compared to standard employer benefit plans. Unlike most traditional plans, which often discontinue benefits in retirement, the GOALL Program ensures continued coverage for life.

About Merle

Merle Gilley is the Founder of TriQuest and a Retirement & Employee Benefits Specialist with over 20 years of experience. Through the GOALL (Growth Only Automated Life & Legacy) Program, Merle and his team provide innovative benefits solutions that attract, retain, and tether top employees while significantly reducing expenses—often saving business owners up to 40% on benefit costs.

A recognized expert in Index Universal Life (IUL) and tax-efficient retirement planning, Merle helps business owners not only secure their financial futures but also create competitive, cost-effective benefits packages that give them an edge in today’s market. His expertise extends to tax-advantaged strategies that lower taxable income while ensuring both business continuity and long-term employee loyalty.

Before entering the financial services industry, Merle served in the U.S. Air Force’s Strategic Air Command (SAC) as a B-52 crew chief with the 93rd Bomb Wing. After his military service, he and his wife, Monica, built a successful family business in Virginia Beach, VA—giving him firsthand insight into the challenges entrepreneurs face in growing and sustaining a business.

Merle’s passion for helping business owners thrive is rooted in his own journey. After selling his first business, he sought secure ways to invest his earnings and discovered the power of IUL and alternative benefits solutions. Realizing that these strategies could help business owners protect their wealth, reduce risk, and provide financial security for their employees, he founded TriQuest to bridge that gap.

Through education and customized financial solutions, Merle empowers business owners to cut costs, optimize benefits, and build lasting financial security—allowing them to focus on what matters most: growing their business and leaving a lasting legacy.