About Us

Retirement Planning Agency Eighty Four, PA

About

Marley Financial Group in Eighty Four, PA is a full-service independent life, health and retirement planning agency. Our goal is to provide to you the most cost-effective and prudent solutions, customized to fit your individual needs. Focused on the faith-based community, we only offer providers that do not support actions that may go against your spiritual and moral code.

Our business is designed to give you peace of mind, and our professional demeanor reflects as much. As the President, Todd Marley, always says: “My dad often told me to always do more than what is expected of me.” And so, this is instilled into the core of our business.

A Message From Our President

I started in the insurance business in 1993 at Prudential Insurance in Washington, Pennsylvania. I was 24 years 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+ 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 through 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 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 client’s situation in its entirety, and therefore I left Prudential and became an Independent Representative.

In 1998, I realized that tax planning can make up to a 50% difference in a client’s 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. 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 February 2006, I became president of Marley Financial Group located in Eighty Four, 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. In 2008, I realized that our country’s financial and economic course was unsustainable, and have been working hard to provide solutions to the risks associated with the continuation of Quantitative Easing and have since established Protective Precious Metals as a means to provide low premium physical Gold and Silver for our clientele. Lastly, 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.

Todd A. Marley
President

Micah Livanos

Insurance Agent

It took me quite a few years to find somewhere that allowed me provide superior product and solutions to my clients, without having to compromise my moral and ethical stance. Marley Financial Group is that place. As a health insurance and retirement planning specialist, MFG has allowed me to grow not only as an agent and manager, but also a well-rounded and versed professional.

A native of Canonsburg, PA I currently live in Pittsburgh with a wonderful family. Zeina my wife, Anissa and Kalliopi my daughters, are the driving force behind my work. I graduated from Canon McMillan Highschool in 2007, attended Clarion University, and enlisted in the Army National Guard in 2008, where I currently still serve. I have been in the insurance industry since 2014.

Robert “Bob” Byers

Life, Health & Annuity Agent, Medicare Manager

Has a BSBA from Strayer University, started in the insurance industry in 1996 at GEICO. Moved to life health and annuity only to focus on retirement planning with an emphasis in Medicare when his grandfather took ill. His willingness to go that extra mile and do what is best for his clients has endeared him to them. His ability to explains the rights and options helps his client make the best decision for their situations. He is more than willing to help you with all your insurance needs.

Mark Losego

Insurance Agent

After serving the construction industry for over 20 years, Mark now focuses on providing high quality health care and retirement solutions for companies and individuals from all industry backgrounds. After researching and learning about the current state of our healthcare, Mark has quickly become an advocate for change in uncovering the importance of Healthcare transparency. He believes in educating clients on how to use the available healthcare programs to the best advantage of the consumer. Mark is a veteran of the United States Army and Pennsylvania National Guard, serving our country during the Gulf War years. Raised in the Valley Forge area, before a family move to an Idaho cattle ranch, Mark now resides in Venetia, PA with his wife of 15 years, and their daughters, Ava and Melina.

Cari Losego

Office Manager

Cari Losego wears “many hats” at Marley Financial Group.

She has been in the health insurance industry for 22 years and has been proudly serving clients at Marley Financial Group for the last three as a client advocate. She has a strong background in consumer satisfaction and is always committed to ensuring that our clients and prospective clients receive the help and direction they need when a concern arises. She is a crucial asset to our client family and our organization.

Cari is married and the mother of two beautiful daughters, Ava and Melina. She enjoys spending time with her family, watching football and cooking.

Strategic Partners

Marley Financial Group is proud to work with Strategic Partners that help provide our clients with the lowest rates for insurance plans. This enables our ability to guarantee you have total coverage, the way you want it, at prices that work for your budget. Below are just a few of the companies we are grateful to work with:

Americas Benefit

is a life and health insurance company that provides training and support for those seeking employment in the life and health insurance field.

Protective Precious Metals

is a gold and silver brokerage firm that allows buyers to invest in solid metals.

Surgery Center of Oklahoma

Free Market Medical Association

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Receive a Free Quote

For more information about our insurance and retirement plans or to receive a free quote, contact us at 724-884-1496 today!”

Pro-Life Insurance Eighty Four, PA

We welcome anyone in the Southwestern Pennsylvania and Tri-state area!