Wealth Planning Across Generations: How One Family Achieved Six-Figure Growth with Ai Financial

Clients Success

Wealth Planning Across Generations: How One Family Achieved Six-Figure Growth with Ai Financial

June 30, 2025

Wealth planning isn’t just about numbers — it’s about trust, timing, and the people you rely on. A few years ago, Wendy approached investing with caution, unsure who she could truly trust with her financial future. That changed over a dinner conversation, when a close friend — someone she deeply respected — introduced her to Ai Financial. It was this referral, grounded in shared values and mutual trust, that sparked Wendy’s journey toward building lasting wealth. Starting from a simple TFSA account, she and her daughter would go on to execute a multi-account, multi-generational strategy with Ai Financial’s expert support, ultimately growing their combined assets into six figures.

A Trust That Started at the Dinner Table

A few years ago, Wendy was cautious about the financial markets. She believed investing was a professional’s game — but hadn’t found someone she could truly trust. That changed after a dinner conversation and a trusted friend’s recommendation.

“I trust Ai Financial (AiF) because my friend does.”

The turning point came from a long-time friend — someone thoughtful, like-minded, and careful with decisions. Because that friend trusted AiF, Wendy didn’t hesitate to start her journey with us.

She knew one’s circle reflects one’s values — and those worth trusting rarely offer random recommendations. That trust led her to start with a TFSA, then contribute consistently, even allocating part of her home sale proceeds. With AiF’s planning, she successfully applied for investment loans to boost her capital efficiency.

“Finding the right expert often depends on your own ability to recognize and trust them,” Wendy says.

A Ripple Effect: Extending Wealth Planning to the Next Generation

Wendy’s growing commitment was driven not just by performance, but by her deep appreciation for AiF’s planning philosophy. Naturally, she recommended AiF to someone she trusted most — her daughter.

Her daughter, Ms. W, didn’t hesitate due to her age or market volatility. Backed by her mother’s support, she secured two loans totaling $200,000 and added $105,000 of her own savings, confidently stepping into her own financial journey.

🔹 September 2022 | The First Step: TFSA Contribution

Wendy invested $24,000 of her own funds into a TFSA. With consistent annual top-ups:

Total Principal: $44,500
Total Market Value: $59,278
Total Profit: $14,778

🔹 Two-Pronged Approach｜Taking a Key Step Forward

At the same time, under AiF’s financial planning guidance, Wendy opened a Non-Registered account in 2022 with an initial investment of $76,000. As the portfolio showed steady performance, her trust in AiF deepened. She added $60,000 more in November of the same year, followed by another $40,000 in August 2023.
From testing the waters to doubling down, every step was backed by visible expertise and a trusted strategy.

Total Capital Invested: $176,000
Total Portfolio Value: $258,022
Total Profit: $82,022

🔹 2023｜Elevated Trust and First Use of Leverage

After more than a year of working with AiF, Wendy came to understand a key principle: while market volatility is beyond control, strategy and professionalism are reliable anchors.

When her AiF advisor introduced the Manulife Bank (MLB) investment loan program, she gradually learned how to use leverage wisely, rather than be used by it.

In 2023, she successfully secured a $100,000 loan through MLB and allocated it into a capital-protected mutual fund portfolio managed by Manulife.

This marked a major shift—from relying solely on personal capital to strategically leveraging borrowed funds. It reflected not only her understanding of financial tools, but her strong confidence in AiF’s wealth planning expertise.

✅ Investment Loan: $100,000 (MLB)
✅ Total Portfolio Value: $127,061

🔹 March 2024｜Deepening Trust, Another New Account

After multiple rounds of successful investments that confirmed the strength of AiF’s strategies, Wendy took initiative again in March 2024. She opened a brand-new Non-Registered account and invested $100,000 of her own funds.

This decision wasn’t driven by surplus cash, but by her growing trust in AiF’s professional capabilities. She believed that as long as the direction is right, continued investment is worthwhile.

Total Principal Invested: $100,000
Total Portfolio Value: $123,732
Total Profit: $23,732

🔹 July 2024｜Leveraging Again to Maximize Gains

With guidance from the AiF team, Wendy decided in July 2024 to take out a $100,000 investment loan from B2B Bank, further increasing her investment in the Canada Life guaranteed fund portfolio.

Investment Loan: $100,000 (CL)
Total Portfolio Value: $113,736
Interest Paid: $6,408
Net Investment Profit: $7,328

🔹 Daughter Joins In — A Legacy of Trust, A Continuation of Wealth

With the support of the AiF team, Ms. W followed in her mother’s footsteps and, in 2023, made her first investment by taking out a $100,000 loan from B2B Bank to invest in a Canada Life portfolio.

Investment Loan: $100,000 (CL)
Total Portfolio Value: $152,964
Interest Paid: $13,675
Net Investment Profit: $39,289

In 2024, with professional support from both WENDY and the AiF team, her daughter successfully secured a $100,000 investment loan from Manulife Bank (MLB), which she used to invest in a Manulife fund account. By leveraging this funding, she effectively expanded her investment size and further enhanced her growth potential.

Investment Loan: $100,000 (ML)
Total Portfolio Value: $104,236

In October 2024, WENDY’s daughter once again demonstrated strong confidence in AiF’s strategy. Without relying on external financing, she decisively contributed an additional $105,000 of her own capital to a non-registered Canada Life account. This move reflected not only her grasp of market opportunity, but also her continued trust in AiF’s professional judgment.

Total Capital Invested: $105,000
Total Portfolio Value: $107,253

Ready to Star Your Own Journey?

🌟 Key Takeaways: A Good Referral Is Worth More Than a Thousand Trials

✅ Referrals Are Not Luck — They Reflect Shared Values
WENDY chose to trust AiF not because of advertisements, but because of a friend’s recommendation. Someone you trust will only recommend what truly matters.

✅ Trust Is a Recognition of Both Competence and Character
People who earn recommendations are usually those open to learning, willing to take advice, and ready to act. Whether a professional can help you often depends on your willingness to believe in them.

✅ A Referral Is Not Just a Starting Point — It Amplifies Success
That single referral put both WENDY and her daughter on a path of disciplined investing, helping them build a clear strategy and strong financial confidence step by step.

📩 If you, too, want to:

✔️ Make strategic use of investment loans to unlock greater growth potential
✔️ Build a diversified portfolio to balance short- and long-term gains
✔️ Avoid costly mistakes and seize the right opportunities
✔️ Work with a professional team that reviews and adjusts your plan regularly

Connect with AiF — and let’s build a roadmap for sustainable wealth growth over the next seven years and beyond.