About Us
Todd A. Marley, President Marley Financial Group
I started in the insurance business in 1993 at Prudential Insurance in Washington Pennsylvania. I was 24 yrs old and had a lot of indirect experience in the industry because both my mother and father had been with Prudential for a combined 40 plus years. I personally thought Prudential was the greatest company in the world. The great rock of Gibraltar stood on my dad’s desk, and at the time Pru was one of the largest financial companies in the world. My naivety was realized when, thru training sessions I was “taught” (In the interest of the company) to utilize cash values and dividends to purchase additional insurance. When I informed my dad of the fantastic strategy to help clients, I was quickly taught the true nature of this business, I was scolded abruptly and then explained the consequences of what my superiors were teaching me and their new agents. I then made it one of my goals to understand the truly complex nature of the insurance and financial industry. I learned To look at each client’s situation in its entirety and apply all the resources available to me .Another important aspect that I learned is that no one company can address a clients situation in its entirety and therefore I left Prudential and became an Independent Representative so as to be able to honestly provide the best possible product and therefore the best possible solution to any client.
In 1998, I realized that Tax Planning can make up to a 50% difference in a clients potential income, especially during retirement years. I started utilizing tax planning as a valid tool when implementing retirement plans. Since then most of our clients greatly reduced the amount of exposure to their retirement portfolios due to the increased net income from proper tax planning and as a result very few suffered any form of market loss to their plans, including yrs 2000 thru 2003. My Basic philosophy is to create retirements, whether pre-retirement wealth accumulation or post retirement preservation, that are tax friendly, well rounded and competitively researched with an emphasis on safety and security.
In Feb 2006, I became president of Marley Financial Group located in Canonsburg Pa. The company on a whole is comprised of different members each with specialties of their own, ranging from comprehensive estate and tax planning to general business insurance and company benefits. We have a very strong support structure of three Field Marketing Organizations that coordinate product to ensure accurate data when obtaining quotes as well as a large network of professionals to quality assist in areas such as mortgages banking and legal concerns. I am very proud to say that I have been blessed with the fortune of having quality, real people represent my name and my company and to Him I’m thankful.
